Kristopher Wirth
Eastpointe,MI
Summary
Dynamic manager with extensive experience in banking and mortgage sectors. Proven track record of driving revenue growth, exceeding sales goals, and cultivating strong customer relationships. Committed to leveraging expertise in program management and customer service to contribute to organizational success.
Overview
13
13
years of professional experience
Work History
Home Equity Officer
Unlock Technologies
11.2025 - Current
- Explain Home Equity Agreement (HEA) products, terms, and investment estimates clearly to clients.
- Managed client pipeline and pursued referrals to drive revenue growth and achieve sales goals.
- Coordinated with processing and underwriting teams to clear file conditions and ensure compliance with requirements.
- Collected, organized, and reviewed homeowner documentation to facilitate application processing.
- Acted as the first point of contact for prospective and existing customers via inbound/outbound calls and emails.
Mortgage Banker
Hall Financial
09.2024 - 11.2025
- Achieved top 1% production rank in loan closings by effectively managing client relationships and processes.
- Recognized as a top converter by successfully transforming leads into loans through strategic engagement and follow-up.
- Analyze borrowers' financial information (income, assets, credit history) to assess their ability to repay the loan and determine loan eligibility.
- Guided clients through loan application process, ensuring collection of all necessary documentation for timely submissions.
- Submit completed loan applications to the underwriting department for review and approval.
- Collaborated with underwriters to resolve questions or concerns about loan applications, expediting approval processes.
Senior Relationship Banker
Cornerstone Community Financial Credit Union
05.2024 - 08.2024
- Managed client accounts and provided tailored financial solutions.
- Identified member needs and provided tailored financial solutions, processed transactions, and educated members on product offerings.
- Resolved member issues while ensuring adherence to relevant regulations, enhancing overall member satisfaction.
- Developed strong relationships with members to understand their banking needs.
- Conducted financial assessments to guide members in loan applications.
Assistant Branch Manager
Comerica Bank
01.2023 - 04.2024
- Collaborated with Branch Manager to develop strategies and objectives that maximized productivity.
- Coordinated with the Branch Manager to ensure smooth day-to-day operations across sales and service teams.
- In the absence of the Branch Manager, I performed the duties of the Branch Manager.
- Continuously meets sales goals.
- Ensure Clients financial needs are met.
- Provide effective customer service onboarding and engagement by routinely strengthening new customer relationships.
- Introducing new and existing customers to Comerica’s products and services.
- Followed up with customers to address inquiries and enhance satisfaction in a timely manner.
- Managed ATM balancing and maintenance to ensure operational efficiency.
Senior Relationship Banker
Huntington Bank
12.2021 - 11.2022
- Expanded customer relationships through targeted sales and referrals of diverse products and services.
- Developed strong relationships with clients through providing personalized banking solutions.
- Conducted outbound phone sales to existing Huntington customers to deepen engagement.
- Executed 50-100 calls daily using dialer and manual methods to reach potential clients.
- 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.
- Managed relationships with existing branch clients to enhance service delivery and client satisfaction.
- Achieved sales targets consistently through effective strategies.
- Led proactive outbound calling campaigns and organized call night activities to drive loan and investment growth in the market.
- Coordinated with regional manager on daily and quarterly sales goals to align branch performance with strategic objectives.
- Coach and train colleagues in sales and operational technique.
- Demonstrated in-depth knowledge of product offerings and service capabilities.
Senior Relationship Banker
Flagstar Bank
02.2018 - 03.2018
- Achieved and surpassed sales goals by implementing effective sales strategies.
- Managed existing book of branch clients to strengthen relationships and address individual financial needs.
- Guided walk-in clients through personalized consultations to identify and fulfill their specific financial requirements.
- Ensure clients' financial needs are met.
- Developed tailored financial opportunities to meet clients' investment goals.
- Set appointments and held joint appointments with the financial consultant.
- Conduct proactive outbound calls and help lead call night activities for the market to help drive loans and investments.
- Strong understanding of products and services offered.
- Process financial transactions, including balance transfers, HELOC applications, CDs, cashier’s checks, cash advances, etc.
Senior Mortgage Banker
Capital Mortgage Funding
10.2016 - 08.2017
- Analyze applicants’ financial status, credit, and property evaluation to determine loan feasibility.
- Facilitated loan origination process for clients, ensuring timely and accurate submissions.
- Coordinated loan process for clientele, bridging communication between processing and underwriting to enhance efficiency.
- Cultivated and maintained client referral relationships to drive repeat business and client satisfaction.
- Recruited candidates for various positions.
Director of Mortgage Banking
Homesite Mortgage LLC
02.2015 - 10.2016
- Manage the Regional Lending Headquarters.
- Managed 10+ MLOs, and office personnel.
- Recruited and onboarded mortgage loan originators and office staff to build a high-performing team.
- Trained and mentored new MLOs to enhance their skills and integrate them into company culture.
- Improved productivity and morale by initiating systems for accountability and by effective training programs.
- Implemented best practices prescribed by upper management to ensure compliance and operational excellence.
- Wrote scripts for all MLOs that the company adopted and still uses.
Licensed Mortgage Banker
Quicken Loans
07.2013 - 07.2014
- Achieved top converter status for three consecutive months by effectively managing client relationships and loan applications.
- Conducted credit, underwriting, and financial analyses to qualify clients for various loan programs.
- Consulted with clients to identify current and future financial needs and goals.
- Interviewed clients to gather information about their unique financial situations, needs, and objectives.
- Educated and advised clients on the home buying processes.
- Delivered exceptional client service, establishing long-term financial service relationships.
- Communicated consistently throughout loan process to provide outstanding client experiences.
- Represented the highest-rated residential lender in the country.
Education
2 Years of General Education - mathematics and science
Oakland Community College
Royal Oak, MISkills
- Home Equity Solutions
- Loan processing
- Loan Processing Coordination
- Credit assessment
- Financial documentation
- Client Engagement
- Customer relationship management
- Sales Strategy
- Financial Product Expertise
- Data Management
- Software Administration
- Program Management
- Mentoring Staff
- Effective communication
- Problem solving
- Problem solving
Timeline
Home Equity Officer
Unlock Technologies
11.2025 - Current
Mortgage Banker
Hall Financial
09.2024 - 11.2025
Senior Relationship Banker
Cornerstone Community Financial Credit Union
05.2024 - 08.2024
Assistant Branch Manager
Comerica Bank
01.2023 - 04.2024
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