Summary
Overview
Work History
Skills
Timeline
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Vicki Kempton

Santa Ana,CA

Summary

Client-centric and results-driven professional with extensive experience in analyzing client financial profiles, aligning loan products with borrower needs and ensuring compliance with institutional policies.

Strategic thinker with a track record of originating, processing, and closing residential mortgage products, including Conventional, FHA, VA, Non-QM, Reverse Mortgages and Hard Money Loans.

Recognized for exceeding performance benchmarks by generating high loan volumes through a combination of productive client relationships, strategic business development and expert-level sales execution.

Adept at navigating regulatory and compliance requirements, maintaining thorough documentation and collaborating with underwriters, processors, and escrow officers to ensure smooth loan execution.

Overview

26
26
years of professional experience

Work History

One Handsome Bastard Distillery

District Sales Manager
01.2025 - Current

Implement territory-specific sales initiatives and execute dynamic promotional events to strengthen brand presence, elevate consumer engagement, and accelerate revenue growth across key markets.

Strengthened partnerships with liquor retailers, grocery chains, and distribution outlets to improve brand visibility and negotiate premium shelf placement for One Handsome Vodka across competitive retail markets.

Senior Banker

Network Capital
02.2024 - 04.2024

Aligned loan offerings with client needs, maintained compliance and efficiency, and delivered mortgage services, including Conventional, VA, and FHA loans within a high-volume call center environment.

Analyzed client financial standing to ensure alignment with regulatory requirements, recommend personalized loan solutions, and integrate institutional lending policies for risk mitigation and compliance.

Sr. Loan Officer

Ladera Lending
04.2023 - 07.2023

Worked with inbound calls and generated new business, working on FHA, Conventional, VA and Non-QM loans. Offered FHA, Conventional and VA loans.

Sr. Loan Officer

Seville Mortgage
11.2021 - 01.2023

Worked with existing client list and self-generated new business, working on FHA, Conventional, VA and NON-QM while focusing on borrower’s specific needs insuring 100% customer satisfaction.

Loan Officer

Alterra Home Loans
07.2021 - 08.2021

Worked with inbound calls and generated new business, working on FHA, Conventional, VA and Non-QM loans Offered FHA, Conventional and VA loans.

Sr. Loan Officer

Sun West Mortgage
03.2021 - 06.2021

Worked with existing client list and generated new business using different sources. Offered FHA, Conventional, VA and Non-QM loan.

Senior Loan Originator

Americas Funding Group
06.2018 - 02.2021

Responsible for generating lead volume, tenured salesperson with robust client list.

Proficient in products relating to Non-QM, Reverse Mortgage, Conventional, VA FHA and Hard Money.

Senior Loan Originator/Office Lead

American Funding
06.2015 - 09.2019

Office lead, responsible for assisting new processors, while meeting demands of closing multiple loans.

Proficient in products relating to Non-QM, Reverse Mortgage, Conventional, VA FHA and Hard Money.

Direct Marketing/Lead Generation

CR BOGER CONSTRUCTION
01.2014 - 05.2015

Responsible for generating lead volume for CR Boger Construction using different marketing and sales methods while working independently with Retail Partners in their stores.

Excellent ability to connect with customers, easily promotes products and current promotion.

Mortgage Loan Processor II

USAA
01.2012 - 12.2013

Processed conventional loans from set up to submission, from conditions to close.

Reviews residential loan application files to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment.

Senior Loan Officer

First Choice Bank
01.2011 - 06.2011

Responsible for selling and marketing loan products to a diverse customer base.

Submit loan packages to proper authority, review conditions of approval process.

Privileged to work as a liaison between First Choice Bank and Costco members, offering exclusive pricing.

Senior Loan Originator

JDP Mortgage
03.2007 - 01.2011

Responsible for generating lead volume.

Proficient in products relating to Non-QM, Reverse Mortgage, Conventional, VA FHA and Hard Money.

Senior Loan Officer/Office Manager

PFG Mortgage
01.2000 - 10.2006

Recruited to service needs of the mortgage broker while managing all aspects of administrative office.

Motivated/mentored and tracked employee progress, ensuring goal attainment and implementing methods for improvement when indicated.

Received Outstanding Sales/Customer Service Performance Award for Exemplary Service.

Skills

  • Mortgage Guidelines
  • Credit Analysis
  • Pipeline Management
  • Lending Compliance
  • CRM Systems
  • Risk Assessment
  • Financial Analysis
  • Training & Documentation
  • Loan Application Review

Timeline

One Handsome Bastard Distillery

District Sales Manager
01.2025 - Current

Senior Banker

Network Capital
02.2024 - 04.2024

Sr. Loan Officer

Ladera Lending
04.2023 - 07.2023

Sr. Loan Officer

Seville Mortgage
11.2021 - 01.2023

Loan Officer

Alterra Home Loans
07.2021 - 08.2021

Sr. Loan Officer

Sun West Mortgage
03.2021 - 06.2021

Senior Loan Originator

Americas Funding Group
06.2018 - 02.2021

Senior Loan Originator/Office Lead

American Funding
06.2015 - 09.2019

Direct Marketing/Lead Generation

CR BOGER CONSTRUCTION
01.2014 - 05.2015

Mortgage Loan Processor II

USAA
01.2012 - 12.2013

Senior Loan Officer

First Choice Bank
01.2011 - 06.2011

Senior Loan Originator

JDP Mortgage
03.2007 - 01.2011

Senior Loan Officer/Office Manager

PFG Mortgage
01.2000 - 10.2006
Vicki Kempton