Malaa McDaniel

• Handled customer relations issues, enabling quick resolution, and client satisfaction.
• Resolved customer issues quickly to close deals and boost client satisfaction.
• Increased sales revenue by developing and implementing effective sales strategies.
• Originated Conventional, FHA/VA and Portfolio mortgage loans with an 98% pull through.
• Built long-lasting client relationships through excellent customer service and consistent follow-ups.
• Closed lucrative sales deals using strong negotiation and persuasion skills.
• Met with clients, delivering presentations, and educating on product and service features and offerings.
• Acted as the Community Outreach and Mortgage Banker for the Retail Mortgage Division in Alabama/Georgia/Florida.
• Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
• Grew sales and boosted profits, applying proactive management strategies and enhancing sales training.
• Managed key accounts with strategic planning and relationship building, resulting in increased customer loyalty and repeat business.
• Overcame objections from potential clients by addressing concerns effectively and offering customized solutions based on their unique needs.
• Developed compelling presentation decks to gain approval for ideas and communicate results.
• Drove sales by developing multi-million dollar contract sales.
• Established and cultivated solid business relationships with new or existing customers with a new 100% CRA Mortgage Product.
• Developed comprehensive product knowledge, enabling tailored solutions for clients'' specific needs.
• Analyzed market trends to identify new business opportunities, leading to expansion into profitable territories.
• Attended industry shows, conventions, seminars and other meetings to expand market opportunities.
• Collaborated with marketing teams to create targeted promotional campaigns, driving customer engagement and sales growth.
• Created compelling presentations that highlighted product features/benefits to potential clients while addressing their pain points directly.
• Achieved sales goals and service targets by cultivating and securing new customer relationships.

• Cultivated strong relationships with key stakeholders, including customers, vendors, regulators, and community leaders to promote collaboration and long-term success.
• Demonstrated proficient leadership skills to motivate employees and build competent teams.
• Collaborated with senior management to develop strategic initiatives and long term goals.
• Established performance goals for department and outlined processes for achievement.
• Established a culture of continuous improvement, fostering innovation and driving sustainable growth across the organization.
• Leveraged technology to automate workflows and streamline processes, resulting in increased productivity and cost savings across the organization.
• Conducted weekly meetings with sales team members to discuss pipeline status, address any challenges, and share best practices.
• Managed the pipeline of mortgage applications, ensuring timely processing and closing to meet customer expectations and deadlines.
• Increased mortgage sales by implementing effective training programs and coaching techniques for the sales team.
• Coordinated with marketing team on promotional strategies tailored specifically for the local market demographics.
• Maintained knowledge of loan products, underwriting, processing procedures and general guidelines.
• Held first-time home buyer seminars with attorneys and realtors to provide education on home buying process.
• Recruited, hired , and led team of 8 loan officers to produce $200 million in funded loans.
• Collaborated with upper management to implement continuous improvements and exceed team goals.
• Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
• Prepared sales presentations for clients showing success and credibility of products.
• Achieved established KPI for company, regional team and individual performance through teamwork and focus on customers.
• Drove sales by developing multi-million dollar contract sales.
• Originated/Produced 36 Million in closed volume.
• Maximized revenue opportunities by cross-selling other banking products and services to mortgage customers.
• Worked with underwriters to fix application problems and resolve issues.
• Evaluated client financial positions and identified most appropriate banking products.
• Boosted customer satisfaction by providing tailored mortgage solutions and exceptional service.
• Conducted thorough analyses of applicants'' financial status, credit, and property evaluations to determine loan feasibility.
• Maintained a high level of product knowledge, staying current with industry trends and regulations.
• Connected borrowers to appropriate resources for resolving credit issues when necessary, improving chances for future approval success.
• Led cross-functional teams for the successful completion of major projects, resulting in increased efficiency and client satisfaction.
• Used market insights to capitalize on key business opportunities for new advantageous partnerships.

Originated FHA, VA, Conventional, and Portfolio mortgage loans.

• Self-sourced loans through established referral partners, community organizations, housing agencies, local business leaders, realtors, and other referral sources
• Cultivated strong relationships with key stakeholders, including customers, vendors, regulators, and community leaders to promote collaboration and long-term success.
• Demonstrated proficient leadership skills to motivate employees and build competent teams.
• Collaborated with senior management to develop strategic initiatives and long-term goals.
• Led cross-functional teams to successfully complete major projects, resulting in increased efficiency and client satisfaction.
• Cultivated and maintained key market relationships focusing on goals related to CRA and Fair Lending growth and expansion.
• Increased sales revenue by developing and implementing effective sales strategies.
• Represented the Bank in community-based meetings and initiatives that primarily focus on providing services to low- and moderate-income communities.
• Conducted pre-qualification interviews with prospective borrowers to discuss the different loan programs and products that are available.
• Converted leads into applications, presented personalized mortgage solutions, produced required disclosure, and collected documents needed to satisfy loan conditions.
• Partnered with community, non-profit, and government agencies focused on affordable housing programs or minority communities.
• Coordinated and conducted home-buying training seminars for potential CRA and multicultural origination mortgage applicants.
• Promoted home ownership focusing on properties located in majority-minority census tracts.
• Negotiated high-value contracts that maximized profitability while mitigating risks for the organization.
• Increased sales by $50 mil through aggressive sales program overhaul, market campaigns, and new product launches.
• Monitored industry trends, keeping current on latest changes and competition in industry.
• Delivered strong financial performance despite challenging economic conditions by executing prudent risk management strategies throughout all aspects of business operations.

• Managed projects efficiently, ensuring timely delivery and high-quality results.
• Streamlined communication channels between departments, facilitating better collaboration on projects across the organization.
• Developed and maintained strong relationships with clients, underwriters, loan officers, and operations resulting in increased business opportunities.
• Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
• Successfully managed change within the organization, ensuring smooth transitions during periods of restructuring or process improvements.
• Promoted and led performance enhancement culture by actively coaching and mentoring direct reports.
• Conducted thorough market research to identify trends and opportunities for business expansion.
• Analyzed data to identify areas of improvement, implementing changes that resulted in greater operational efficiency.
• Cultivated strong relationships with key stakeholders, including customers, vendors, regulators, and community leaders to promote collaboration and long-term success.
• Led cross-functional teams to successfully complete major projects, resulting in increased efficiency and client satisfaction.
• Obtained CRA verifications, and HMDA determinations, and assisted loan officers and processors with pending items, following the loan review process.
• Excelled in meeting all pipeline, sales management, and new business generation goals to increase market share.
• Managed a team of 12 processors in the ability to complete all phases of the mortgage loan origination process and mastery of all loan products and regulations such as FHA, USDA, VA, CRA, and conventional residential mortgage loans.
• Achieved 100% CRA mortgage closed volume within the processing team.
• Streamlined operations to maximize business efficiency and profits on quality mortgage loans.
• Collaborated with senior management to develop strategic initiatives and long term goals.
• Established performance goals for department and provided methods for reaching milestones.
• Championed talent development programs, promoting employee engagement and retention while enhancing overall workforce capabilities.