Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Kevin Sadik

West Bloomfield,MI

Summary

Results-oriented mortgage banking knowledgeable about wide range of loan products. Professionally works with different customers to meet individual needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing sales opportunities. Attentive Loan Specialist with background in assessing credit history data and finding appropriate solutions perfect for customer needs. Ready for new position where loan evaluation background can be best utilized.

Overview

19
19
years of professional experience
1
1
Certification

Work History

Mortgage Banker

Goldwater Bank
Livonia, MI
12.2023 - Current
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Met with new clients and completed pre-qualification procedures.
  • Built positive relationships with realtors to produce client referrals.
  • Put together and executed loan documents.
  • Assisted customers in selecting appropriate loan products based on their individual needs.
  • Managed pipeline of loans from origination through closing process while monitoring progress regularly.
  • Advised customers on various mortgage products available from the bank.
  • Negotiated terms of loans with customers based on their financial situation.
  • Provided customer service to clients by responding to inquiries, addressing concerns and resolving issues.
  • Attended seminars and workshops to stay abreast of industry trends and changes in lending laws.
  • Conducted credit checks on potential borrowers and reviewed results with management team.
  • Developed relationships with referral sources such as realtors, builders and attorneys.
  • Generated referrals from existing customer base through cross-selling activities.
  • Prepared loan closing packages ensuring that all documents were complete and accurate.
  • Analyzed financial information provided by customers to determine appropriate loan products for their needs.
  • Ensured compliance with federal regulations such as TRID, RESPA, FHA and VA guidelines.
  • Submitted applications to credit analysts.
  • Educated customers regarding actions and strategies for debt repayment.

Branch Manager

Cornerstone Capital Bank
Fort Collins, CO
04.2024 - 11.2024
  • Increased efficiency and drove branch revenue by optimizing daily operations.
  • Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
  • Assigned duties to employees and examined work for accuracy, neatness and timeliness.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Prepared and submitted complete loan application packages accurately.
  • Located and suggested loan packages that met client needs and priorities.
  • Identified valuable solutions for customers with credit problems.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Provided exceptional customer service throughout the entire loan process.
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Conducted comprehensive financial analysis for loan underwriting process.
  • Delivered detailed explanations of complex lending concepts to clients.
  • Managed loan portfolio to ensure timely payments and risk reduction.

Branch Manager

Guaranteed Rate
Farmington Hills, MI
02.2020 - 09.2022
  • Managed and inspired team members to perform to full potential, driving branch profitability.
  • Planned work schedules to maintain adequate staffing levels.
  • Increased efficiency and drove branch revenue by optimizing daily operations.
  • Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
  • Assigned duties to employees and examined work for accuracy, neatness and timeliness.
  • Disciplined employees to encourage compliance with company policies and procedures.
  • Established and built customer relationships through targeted outreach and initiatives.
  • Worked cross-functionally to plan and establish branch goals, supporting strategic objectives.
  • Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
  • Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
  • Grew business banking relationships through proactive outreach.
  • Maintained consistent growth in accounts and receivables by obtaining and retaining loan borrowers.
  • Identified opportunities for process improvement initiatives within the branch.
  • Reviewed loan applications to ensure accuracy and compliance with regulations.
  • Provided feedback on employee performance evaluations conducted by supervisors.
  • Managed staff scheduling, hiring and training processes.
  • Provided guidance and support to team members regarding problem resolution and customer service issues.
  • Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
  • Monitored financial performance of the branch on a monthly basis.
  • Coordinated promotional campaigns for new products or services in order to boost sales revenue.
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Met with new clients and completed pre-qualification procedures.
  • Built positive relationships with realtors to produce client referrals.
  • Put together and executed loan documents.
  • Advised customers on various mortgage products available from the bank.
  • Negotiated terms of loans with customers based on their financial situation.
  • Performed loan processing duties including ordering appraisals, title reports, verification of employment and other related tasks.

Mortgage Loan Originator

Homesite Mortgage
Novi, MI
01.2017 - 03.2020
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Reviewed loan agreements to confirm completeness and accuracy.
  • Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
  • Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
  • Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
  • Managed pipeline for originated loans through closing and complete required management reports.
  • Tracked and managed new leads and followed up on referral business.
  • Provided consultation on various mortgage programs, including fixed-rate, adjustable-rate, FHA and VA loans, construction loans, and jumbo loans.
  • Collaborated with business development team to grow under-construction loans while balancing sub-sale, refinancing and under-construction business segment.
  • Reviewed construction documents prepared by other team members for accuracy and completeness before submitting them for approval.
  • Actively participated in post-construction reviews in order to assess performance levels achieved by various teams involved in the project.
  • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.
  • Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
  • Provided customer service support throughout the entire process from application through closing.
  • Assisted in the development of new products and services for loan customers.

Store Manager

Happys Pizza
Southfield, MI
05.2015 - 01.2017
  • Monitored staff performance and addressed issues.
  • Enforced customer service standards and resolved customer problems to uphold quality service.
  • Completed thorough opening, closing, and shift change functions to maintain operational standards each day.
  • Trained employees on additional job positions to maintain coverage of roles.
  • Assigned tasks to associates to fit skill levels and maximize team performance.
  • Recruited and hired qualified candidates to fill open positions.
  • Completed day-to-day duties accurately and efficiently.
  • Informed customers of delayed food items and offered estimated times to fill orders.
  • Facilitated daily team meetings to discuss promotions, issues, service standards and team collaboration.
  • Collaborated with corporate office on initiatives related to operations.
  • Monitored quality assurance standards for all products served.
  • Reviewed daily sales reports to ensure accuracy and identify areas of improvement.
  • Developed strategies for increasing customer satisfaction and loyalty.
  • Resolved customer complaints promptly and professionally.
  • Coordinated scheduling of employees to meet peak demand times.
  • Established relationships with local businesses as potential customers.
  • Organized catering events for large groups throughout the community.
  • Hired, trained, supervised, and evaluated staff members.
  • Ensured compliance with food safety regulations.
  • Developed marketing campaigns to promote special offers and discounts.

Escrow Officer

First American Title Insurance Co
Saginaw, MI
03.2013 - 04.2015
  • Ordered title reports for issuing title insurance, identified and resolved title defects and satisfied existing liens and encumbrances against property or principals.
  • Prepared closing documents with care to eliminate errors or delays in processes.
  • Acted as liaison between parties within home buying and selling ecosystem and communicated and kept parties fully apprised of closing status.
  • Coordinated transaction documentation by ordering title reports, completing forms and statements and gathering existing documents.
  • Reviewed documents for accuracy and verified funds.
  • Collaborated with internal banking and accounting teams to maintain escrow accounts and records and approved funds disbursements.
  • Consulted with title department to resolve tax liens, boundary disputes and encroachments.
  • Made public relations calls, attended industry-related functions and earned word-of-mouth recommendations.
  • Complied with purchase contract terms and conditions, prepared accurate settlement statements and complied with state and federal laws governing escrow transactions.
  • Oversaw complete real estate closing process and adhered to all related process guidelines, company standards, and title requirements.
  • Mastered escrow process, title process, financial transactions, company policies and procedures and regulatory requirements.
  • Reviewed contracts, commitments and orders to prepare for closing and assembled documents to prepare files and facilitate smooth final transactions.
  • Worked with customers, realty professionals and lender representatives to complete smooth and efficient process.
  • Closed purchase transactions in multi-state, high-volume environment and satisfied customer expectations by meeting timelines and communicating proactively.
  • Guided training team to build training material and job aids to replicate property transaction knowledge and standardize processes.
  • Promoted first-time-right and on-time mentality to eliminate errors and rework, resulting in satisfied customers with no surprises.
  • Ensured that all parties involved in a transaction were properly represented before any funds were released from an escrow account.
  • Gathered information necessary for processing transfers including deeds, mortgages, titles and encumbrances.
  • Collaborated closely with lending officers throughout the loan approval process.
  • Managed multiple files simultaneously while ensuring adherence to deadlines.
  • Reviewed and verified documents to ensure compliance with laws, regulations, and contractual provisions.
  • Processed payments related to mortgage loans, taxes, insurance premiums and other fees associated with the sale of a property.

Loan Officer

Michigan Mutual
Southfield, MI
02.2006 - 03.2013
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Delivered high levels of customer service to facilitate smooth processes.
  • Reviewed loan agreements to confirm completeness and accuracy.
  • Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Performed daily maintenance of loan applicant database.
  • Collected past due loans, keeping credit and collateral exceptions within policy ranges.
  • Approved loan within specified limits or referred to appropriate approval level.
  • Met with applicants to obtain information for loan applications and answer questions about process.
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
  • Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
  • Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
  • Managed pipeline for originated loans through closing and complete required management reports.
  • Tracked and managed new leads and followed up on referral business.
  • Improved loan applications and documentation by informing applicant of additional requirements.
  • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.
  • Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
  • Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
  • Adhered to federal and state compliance guidelines relative to retail mortgage lending.
  • Assisted in the development of new products and services for loan customers.
  • Provided customer service support throughout the entire process from application through closing.
  • Interacted with underwriters, appraisers, title companies. during the processing of a loan application.
  • Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
  • Identified opportunities for cross-selling additional products and services.
  • Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
  • Conducted risk analysis to identify potential losses associated with certain loans.
  • Negotiated terms and conditions of loan contracts.
  • Processed payments received from borrowers in accordance with established policies and procedures.
  • Participated in community events to promote bank's consumer lending services.
  • Explained various types of loans available to customers and their associated terms and conditions.

Education

Associate of Science - Business Administration

Oakland Community College
Bloomfield Hills, MI
06-2003

High School Diploma -

West Bloomfield High School
West Bloomfield, MI
05-1999

Skills

  • Qualifying Customers
  • Closing procedures
  • Goal Planning
  • Evaluating programs
  • Federal lending guidelines
  • Purchasing Processes
  • Loan Processing
  • Document Preparation
  • Escrow management
  • Relationship Management
  • Portfolio Management
  • Credit analysis
  • Underwriting expertise
  • Real estate lending processes
  • Loan Servicing
  • Negotiating terms
  • Comparing products
  • Generating referrals
  • Mortgage lending
  • Bottom Line LoanMaster Loan Servicing
  • Collections proficiency
  • Safe Act of 2008 Certification
  • Financial Assessment
  • Team Player
  • Sales expertise
  • Database Management
  • Financial Services
  • Business Development
  • Document analysis

Certification

  • NMLS 200435

Timeline

Branch Manager

Cornerstone Capital Bank
04.2024 - 11.2024

Mortgage Banker

Goldwater Bank
12.2023 - Current

Branch Manager

Guaranteed Rate
02.2020 - 09.2022

Mortgage Loan Originator

Homesite Mortgage
01.2017 - 03.2020

Store Manager

Happys Pizza
05.2015 - 01.2017

Escrow Officer

First American Title Insurance Co
03.2013 - 04.2015

Loan Officer

Michigan Mutual
02.2006 - 03.2013

Associate of Science - Business Administration

Oakland Community College

High School Diploma -

West Bloomfield High School

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Kevin Sadik