Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Kristopher Wirth

Metro Detroit Area

Summary

Dynamic Mortgage Banker with a proven track record at Hall Financial, excelling in loan origination and client communication. Recognized in the top 1% for production, I leverage strong financial analysis and sales strategies to drive results and foster lasting client relationships. Committed to delivering exceptional service and achieving organizational goals.

Overview

12
12
years of professional experience

Work History

Mortgage Banker

Hall Financial
09.2024 - Current
  • Assist clients in completing loan applications and collecting necessary documentation.
  • Analyze borrowers' financial information (income, assets, credit history) to assess their ability to repay the loan and determine loan eligibility.
  • Submit completed loan applications to the underwriting department for review and approval.
  • Communicate with underwriters to address any questions or concerns regarding the loan application and facilitate the approval process.
  • Top 1% in Production, Most Loans Closed.
  • Top Converter

Assistant Branch Manager

Comerica Bank
01.2023 - Current
  • Provide effective customer service onboarding and engagement by routinely strengthening new customer relationships.
  • Introducing new and existing customers to Comerica’s products and services.
  • Follow Up with customers on a timely basis.
  • Ensure Clients financial needs are met.
  • Continuously meet sales goals.
  • Coordinated with the Branch Manage to ensure smooth day-to-day operations across sales and service teams.
  • Responsible for balancing and maintenance on ATM.
  • In absence of Branch Manager, performed assigned duties of Branch Manager.
  • Worked with Branch Manager to develop strategies and objectives to maximize productivity.

Senior Relationship Banker

Cornerstone Community Financial Credit Union
05.2024 - 08.2024
  • Identified Member needs and provide financial solutions, processing financial transactions, and educating members about products and services.
  • Resolved Member issues and ensuring compliance with relevant regulations.

Senior Relationship Banker

Huntington Bank
12.2021 - 11.2022
  • Performed outbound phone sales to customers that have existing Huntington relationships.
  • Average 50-100 calls daily through a combination of dialer and manual outbound calls.
  • Built and broadened existing customer relationships through sales and referrals of all products and services.
  • Developed strong relationships with clients through providing personalized banking solutions.
  • Collaborated with other departments to ensure customer satisfaction and compliance with all banking regulations.

Senior Relationship Banker

Citizens Bank
04.2018 - 05.2021
  • Top 10% of all colleagues in sales.
  • Proactively work existing book of branch clients.
  • Coach and trained colleagues in sales and operational technique.
  • Scheduling and reporting directly to the regional manager regarding daily and Quarterly sales goals.
  • Strong understanding of products and services.
  • Assist walk in clients with their questions and concerns.
  • Exceeded sales goals.
  • Ensure clients financial needs are met.
  • Process financial transactions, including balance transfers, HELOC applications, CD's, cashier’s checks, cash advances, etc.
  • Conduct proactive outbound calls and helped lead call night activities for the market to help drive loans and investments.

Senior Relationship Banker

Flagstar Bank
02.2018 - 03.2018
  • Proactively work existing book of branch clients.
  • Strong understanding of products and services offered.
  • Assist walk in clients with their 1 on 1 needs.
  • Exceeded sales goals.
  • Ensure clients financial needs are met.
  • Process financial transactions, including balance transfers, HELOC applications, CD's, cashier’s checks, cash advances, etc.
  • Created financial opportunities to help clients with investment needs.
  • Set appointments and held joint appointments with the financial consultant.
  • Conduct proactive outbound calls and helped lead call night activities for the market to help drive loans and investments.

Senior Mortgage Banker

Capital Mortgage Funding
10.2016 - 08.2017
  • Loan Origination.
  • Coordinated the loan process for clientele between processing and underwriting.
  • Responsible for recruiting.
  • Maintained client referral relationships.
  • Analyze applicants’ financial status, credit, and property evaluation to determine loan feasibility.

Director of Mortgage Banking

Homesite Mortgage LLC
02.2015 - 10.2016
  • Manage the Regional Lending Headquarters.
  • Recruited mortgage loan originators, and any office staff that was needed.
  • Trained and mentored new MLO’s.
  • Tracked production metrics.
  • Maintained the best practices as prescribed by upper management.
  • Maintained adherence with all company policies and procedures.
  • Wrote script(s) for all MLO’s that the company adopted and still use.
  • Improved productivity and morale by initiating systems for accountability and by effective training programs.
  • Managed 10+ MLO’s, and office personal.
  • Set Schedules, and made sure payroll was correct.

Licensed Mortgage Banker

Quicken Loans
07.2013 - 07.2014
  • Represented the highest-rated residential lender in the country.
  • Consulted with clients about current and future needs in achieving their financial goals.
  • Delivered world-class client service and established ongoing financial service relationships.
  • Interviewed clients to gather information about their unique financial situations, needs, and objectives.
  • Conducted credit, underwriting, and financial analyses to qualify clients for various loan programs.
  • Educated and advised clients on the home buying processes.
  • Ongoing communication throughout the entire loan process to ensure exceptional client experiences.
  • Top Converter 3 months in a row.

Education

2 Years of General Education - mathematics and science

Oakland Community College
Royal Oak, MI

Skills

  • Program Management
  • Loan origination
  • Regulatory compliance
  • Client communication
  • Sales strategies
  • Financial analysis
  • Team collaboration
  • Loan servicing
  • Custom Reporting
  • Data Management
  • Email Marketing
  • Third Party Integrations
  • Software Administration
  • Training and Development
  • Metrics Tracking

References

Available Upon Request

Timeline

Mortgage Banker

Hall Financial
09.2024 - Current

Senior Relationship Banker

Cornerstone Community Financial Credit Union
05.2024 - 08.2024

Assistant Branch Manager

Comerica Bank
01.2023 - Current

Senior Relationship Banker

Huntington Bank
12.2021 - 11.2022

Senior Relationship Banker

Citizens Bank
04.2018 - 05.2021

Senior Relationship Banker

Flagstar Bank
02.2018 - 03.2018

Senior Mortgage Banker

Capital Mortgage Funding
10.2016 - 08.2017

Director of Mortgage Banking

Homesite Mortgage LLC
02.2015 - 10.2016

Licensed Mortgage Banker

Quicken Loans
07.2013 - 07.2014

2 Years of General Education - mathematics and science

Oakland Community College

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Kristopher Wirth