Kimberley Kerns
New Smyrna Beach,FL
Summary
Professional entrepreneur with robust background in business development, strategic planning, organization and relationship development. Proven ability to drive growth, enhance operational efficiency, and work well with teams Known for adaptability and strong problem-solving skills, and consistent achievement of objectives. Striving to continue to grow and develop. Strength in communication, sales and customer service experience.
Overview
23
23
years of professional experience
Work History
Loan Originbation Sales
Cardinal Financial
06.2025 - Current
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
- Proven ability to learn quickly and adapt to new situations.
- Excellent communication skills, both verbal and written.
- Passionate about learning and committed to continual improvement.
- Worked flexible hours across night, weekend, and holiday shifts.
Loan Originations Sales
Cross Country
04.2024 - 11.2024
- Currently building my self-generated business
- Closed 956,000.00 in May.
- Ran systems to close loans
Loan Originator
Cardinal Financial
10.2020 - 04.2024
- Leaded as top of the team doing consumer direct and licensed in 12 states
- Excellent customer service
- Took about 40-50 applications a month and was used to managing a large pipeline
- Closed 8-13 loans per month in 2021 and 2022.
Loan Originator
Guaranteed Rate Inc
10.2019 - 10.2020
- I had my best Month in December and continue to grow my business
- I look forward to the future as I continue to grow and learn as an originator.
Mortgage Loan Originator
First Choice Loan Services | Port Orange, FL
06.2018 - 10.2019
- My experience here has been a lot of learning
- I have been able to use my sphere of influence to originate and close loans
- I opened the first Florida office
- There was a buyout.
- Provided comprehensive mortgage loan advice and guidance to potential borrowers.
- Researched and evaluated various loan products to determine the best fit for each customer.
- Advised customers on their financial options, including credit repair services and refinancing opportunities.
- Maintained a thorough knowledge of current lending regulations, policies, and procedures.
- Reviewed borrower documents such as tax returns, bank statements, employment history. to verify accuracy and completeness.
- Analyzed financial information provided by customers in order to determine eligibility for loans.
- Processed loan applications in accordance with established guidelines and standards.
- Coordinated with lenders to ensure timely processing of all required paperwork.
- Conducted follow-up activities with borrowers throughout the entire loan process.
- Negotiated terms of loans with borrowers or their representatives while adhering to company policies and procedures.
- Prepared closing documents according to state legal requirements prior to funding loans.
- Submitted approved files for final review prior to closing date.
- Assisted customers in obtaining necessary documentation needed for loan approval purposes.
- Attended industry events, seminars, workshops for professional development purposes.
- Ensured compliance with federal and state laws when originating mortgages.
- Promoted mortgage products through marketing campaigns using multiple channels such as email blasts, social media posts.
Company Owner and Operator
Suite 7
04.2012 - 02.2018
- Went to closings.
- Sales and Liquidations
- Invoices, Quotes, Floor planning design, scheduling and coordinating, installing and delivering
- Customer service, troubleshooting and problem solving.
- Relationship Building
- Owner and Operator
- Created repeat business with excellent service
- Warehouse Management
- Managed Team of 4 to recreate office environments
- Created income stream from sales of repurposed items
Sales
Medtel 24 | Orlando
01.2010 - 04.2012
- Educate, brand and sell a monitoring system to cardiology offices
- Present the model to doctors and office managers
- Develop prospect lists
- Distributed product samples and literature
- Set up accounts, billing and coding
- Follow up and maintain accounts.
- Presentations face to face of business models
- Created business in a green territory and new model
- Large territory outside sales
- Met all expectations monthly
Real Estate Agent
Coldwell Banker | Winter Springs, Florida
01.2002 - 01.2009
- Follow Leads, Service Customers, File applications and paperwork, customer service, team work
Education
Bachelor of Science - Nutrition
Kaplan University
06.2012
AA Degree - undefined
Daytona Beach Community College
06.1995
Skills
- Strong Work Ethic
- Self Awareness
- Problem Solving
- Relationship Building
- Patience
- Self-motivated
- Networking
- Time Management
- Communication
- Strong analytical skills
- Effective communication abilities
- Team leadership experience
- Interpersonal Communication
- Attention to Detail
- Teamwork and Collaboration
- Customer Service
- Application Process Management
- Dedicated Work Ethic
- Finalizing contracts
- Sound Judgment
- Processing documents
- Proficient in [Software]
- Financial Assessment
- Document Review
- Documentation
- Verifying information
- Client Coaching
- Customer relations
- Business development
- Business growth
Timeline
Loan Originbation Sales
Cardinal Financial
06.2025 - Current
Loan Originations Sales
Cross Country
04.2024 - 11.2024
Loan Originator
Cardinal Financial
10.2020 - 04.2024
Loan Originator
Guaranteed Rate Inc
10.2019 - 10.2020
Mortgage Loan Originator
First Choice Loan Services | Port Orange, FL
06.2018 - 10.2019
Company Owner and Operator
Suite 7
04.2012 - 02.2018
Sales
Medtel 24 | Orlando
01.2010 - 04.2012
Real Estate Agent
Coldwell Banker | Winter Springs, Florida
01.2002 - 01.2009
AA Degree - undefined
Daytona Beach Community College
Bachelor of Science - Nutrition
Kaplan University
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