Summary
Overview
Work History
Education
Skills
Timeline

Kyle J Bates

Flowery Branch ,GA

Summary

  • Motivated Credit Risk Analyst and Sales Consultant with proven experience in the mortgage lending industry.
  • Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.
  • Demonstrates attention to detail and communication when coming up with wording for policies for organizations.
  • Accomplished Sales Manager offering years of experience developing and maximizing sales. Diligent in building and retaining accounts by providing support and attentive service. Expertise in marketing strategies, product promotion and merchandising to achieve market penetration. Successful record of expanding network connections through persuasive brand imaging.
  • Committed and motivated in maintaining cutting edge technical skills through continuing professional development.
  • Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

19
19
years of professional experience

Work History

Underwriting Analyst

HomePoint Corp
Remote
01.2020 - 12.2022
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Verified integrity of applicants' information to minimize fraud.
  • Evaluated loan applications with supporting documentation for income credit , determining creditworthiness, assessing risk and establishing loan conditions.

Loan Consultant

Loandepot
Atlanta, GA
01.2018 - 01.2020
  • Explained different types of loans pertaining to client situations.
  • Developed and implemented marketing campaigns to generate new business opportunities.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Worked with underwriters to fix application problems and resolve issues.
  • Participated in industry events and conferences to build relationships and gain market intelligence.

Financial Consultant

Ameriprise Financial; Edward Jones;
Atlanta, GA
07.2011 - 12.2017
  • Met with clients to discuss assets, expenses, and long-term and short-term investment goals to devise personalized financial plans.
  • Worked with clients to support understanding of rationale and details of financial strategies.
  • Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
  • Analyzed financial needs of clients and developed tailored strategies to meet goals.
  • Researched and evaluated potential investment products for clients.
  • Developed and maintained strong relationships with clients to maximize satisfaction.

Sales Manager/Loan Consultant/Underwriting Analyst

Countrywide Home; SunTrust; American Home Mortgage
Orlando, FL
01.2004 - 06.2011
  • Used various forms of marketing and advertising techniques to identify potential customers such as conducting information seminars, distributing flyers and brochures and telemarketing.
  • Reviewed customer applications closely to identify any opportunities for further development and revenue.
  • Built positive relationships with customers by offering best financing and product options.
  • Trained employees on branch operations and mortgage software
  • Accomplished President’s Club (2006) as one of the top 4% out of 3800 originators nationwide for the fastest growing mortgage company in the nation
  • Performed second-level review for loans recommended for denial by assisting with re-negotiations.
  • Advanced to Sales Achiever (2006 & 2007) as one of the top 10% most profitable
    loan pipelines in the country through development of long term and productive
    relationships with real estate companies
  • Stimulated my team of 10 loan officers by facilitating loans and generating
    marketing strategies relevant to our local community.
  • Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.

Education

Bachelor of Arts - Organizational Communication

University of Central Florida, Orlando, FL

Bachelor of Arts - Liberal Arts And Sciences (Math And Science)

University of Central Florida, Orlando, FL

Skills

  • Risk management and quality leadership: strong analytical and decision making/problem solving skills
  • Attention to detail
  • Negotiation and relationship builder
  • Team building
  • Customer Service-focused
  • Procedure development
  • Business development
  • In-depth knowledge of credit ratings and web-based reporting tools: Desktop Underwriter, Loan Prospector, WP2, Excel, MSP

Timeline

Underwriting Analyst - HomePoint Corp
01.2020 - 12.2022
Loan Consultant - Loandepot
01.2018 - 01.2020
Financial Consultant - Ameriprise Financial; Edward Jones;
07.2011 - 12.2017
Sales Manager/Loan Consultant/Underwriting Analyst - Countrywide Home; SunTrust; American Home Mortgage
01.2004 - 06.2011
University of Central Florida - Bachelor of Arts, Organizational Communication
University of Central Florida - Bachelor of Arts, Liberal Arts And Sciences (Math And Science)

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Kyle J Bates