Mark Bradford
Lee's Summit,MO
Summary
Dedicated and seasoned Mortgage Manager and Originator with over 26 years of comprehensive experience in the financial industry. Proven track record of success in managing mortgage processes from origination to closing, adept at navigating complex regulations and delivering exceptional customer service. Skilled in cultivating strong client relationships, analyzing financial data, and guiding clients through the mortgage process with clarity and professionalism. Adept at leading teams to achieve ambitious targets and ensuring compliance with industry standards. A results-oriented professional committed to excellence in all aspects of mortgage management and originations."
Overview
26
26
years of professional experience
Work History
West Region Sales Manager
Hawthorn Bank
Lee's Summit, MO
12.2022 - Current
- Instructed regional sales staff on effective techniques, streamlined processes, and innovative products.
- Provided recommendations for enhancing regional sales teams' procedures and practices.
- Delivered actionable intelligence on competitor strategies by closely monitoring regional activities.
- Effectively handled customer inquiries, ensuring satisfactory resolutions in relation to sales and service.
- Established and fostered strong professional connections with referral partners and key clients, driving continuous business growth.
- Motivated and guided team to surpass revenue objectives through continuous coaching and support.
- Boosted sales figures through effective support provided to both new and inactive customers, leading to increased revenue.
- Supported sales team members to drive growth and development.
- Implemented strategic expense management techniques, optimized product turns, increased closing rates, and effectively managed budget and overhead to drive significant improvements in profit margins.
- Provided leadership to ensure effective management of sales operations.
Supervisor of Loan Origination
Nutter Home Loans
Kansas City, MO
02.1998 - 11.2022
- Reviewed loan applications, analyzed credit reports and calculated financial ratios to determine borrower eligibility.
- Developed relationships with real estate agents, builders, attorneys and other professionals involved in the mortgage industry.
- Negotiated terms of loans with customers, such as interest rate and repayment schedule.
- Explained various types of loan products available to customers based on their needs and financial situation.
- Assisted borrowers through the entire loan process from application to closing.
- Maintained current knowledge of federal regulations regarding residential lending practices.
- Provided guidance on loan qualification criteria to potential borrowers.
- Analyzed customer's income and debt levels to determine maximum affordability for a mortgage product.
- Conducted regular follow-up calls with clients throughout the mortgage process to ensure timely completion of documents or steps needed for approval or closing.
- Responded promptly to customer inquiries regarding their loan status or any additional information needed by the lender.
- Monitored progress of loans in processing stage until they are closed successfully.
- Gathered information such as borrower credit reports and other information to pre-qualify clients and offer pricing information.
- Negotiated loan terms and conditions with customers.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Tracked and managed new leads and followed up on referral business.
- Managed pipeline for originated loans through closing and complete required management reports.
- Delivered high levels of customer service to facilitate smooth processes.
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
- Performed daily maintenance of loan applicant database.
- Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
Education
Bachelor of Science - Criminal Justice
University of Central Missouri
Warrensburg, MO05-1987
Skills
- New Business Development
- Credit History Analysis
- Customer Service
- Professionalism
- Lead Identification and Generation
- Client Relationship Management
- Networking Events
- Excellent Communication
- Sales plan implementation
- Strategic account development
- Attention to Detail
- Self Motivation
- Multitasking
Accomplishments
- President of Mortgage Bankers Association 2018
- First for Youth Award, 2016Lees Summit Parks and Recreation Volunteer
References
References available upon request.
Timeline
West Region Sales Manager
Hawthorn Bank
12.2022 - Current
Supervisor of Loan Origination
Nutter Home Loans
02.1998 - 11.2022
Bachelor of Science - Criminal Justice
University of Central Missouri
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