Matthew Ray
Trussville,AL
Summary
With a proven track record at Regions Bank, I excel in leveraging problem-solving and relationship-building skills to exceed sales targets. My leadership in developing referral networks and expertise in residential mortgage lending regulations has significantly boosted loan processing efficiency and customer satisfaction.
Overview
20
20
years of professional experience
Work History
Mortgage Loan Originator
Regions Bank
06.2023 - Current
- Make sales calls on potential and existing customers to develop new business or retain existing business.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Prepare files for underwriting review.
- Developed network of referral partners to source new mortgage loan opportunities.
- Worked with underwriters to fix application problems and resolve issues.
- Problem solved to determine issues for complex files.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
Mortgage Loan Originator
Ixonia Bank
02.2023 - 06.2023
- Make sales calls on potential and existing customers to develop new business or retain existing business.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Prepare files for underwriting review.
- Developed network of referral partners to source new mortgage loan opportunities.
- Worked with underwriters to fix application problems and resolve issues.
- Problem solved to determine issues for complex files.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
Mortgage Loan Originator
Regions Bank
04.2019 - 02.2023
- Make sales calls on potential and existing customers to develop new business or retain existing business.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Prepare files for underwriting review.
- Developed network of referral partners to source new mortgage loan opportunities.
- Worked with underwriters to fix application problems and resolve issues.
- Problem solved to determine issues for complex files.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
Mortgage Loan Originator
Wells Fargo Bank, N.A.
02.2012 - 04.2019
- Make sales calls on potential and existing customers to develop new business or retain existing business.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Prepare files for underwriting review.
- Developed network of referral partners to source new mortgage loan opportunities.
- Worked with underwriters to fix application problems and resolve issues.
- Problem solved to determine issues for complex files.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
Mortgage Loan Originator
First Federal Bank of Tuscaloosa
03.2010 - 02.2012
- Make sales calls on potential and existing customers to develop new business or retain existing business.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Prepare files for underwriting review.
- Developed network of referral partners to source new mortgage loan opportunities.
- Worked with underwriters to fix application problems and resolve issues.
- Problem solved to determine issues for complex files.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
Branch Manager / Mortgage Loan Originator
Norstar Mortgage Group
06.2005 - 03.2010
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Managed staff pipeline and loans assignments.
- Tracked branch performance and reported to senior management.
- Collaborated with team members to resolve and determine solutions for complex and/or unique client files.
- Complied with regulatory guidelines and requirements.
- Complied with established internal controls and policies.
- Make sales calls on potential and existing customers to develop new business or retain existing business.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Prepare files for underwriting review.
- Developed network of referral partners to source new mortgage loan opportunities.
- Worked with underwriters to fix application problems and resolve issues.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
Education
Associate Degree in Business Management - Business Management
Jefferson State Community College
Birmingham, AL05-2003
Associate Degree in Business Administration - Business Administration
Jefferson State Community College
Birmingham, AL05-2003
Skills
- Problem Solving
- Loan processing
- Sales professional
- Residential mortgage lending regulations
- Relationship building
- Pipeline management
- Underwriting guidelines
- Leadership
- Communication
- Sales Compliance
Accomplishments
- Wells Fargo Bank, N.A. - 2016 Leaders Club
- Wells Fargo Bank, N.A. - 2017 Leaders Club
- Wells Fargo Bank, N.A. - 2018 Leaders Club
- Regions Bank - 2019 Horizon Award Winner
- Regions Bank - 2020 Top Performer
- Regions Bank - 2021 Chairman's Club.
Timeline
Mortgage Loan Originator
Regions Bank
06.2023 - Current
Mortgage Loan Originator
Ixonia Bank
02.2023 - 06.2023
Mortgage Loan Originator
Regions Bank
04.2019 - 02.2023
Mortgage Loan Originator
Wells Fargo Bank, N.A.
02.2012 - 04.2019
Mortgage Loan Originator
First Federal Bank of Tuscaloosa
03.2010 - 02.2012
Branch Manager / Mortgage Loan Originator
Norstar Mortgage Group
06.2005 - 03.2010
Associate Degree in Business Management - Business Management
Jefferson State Community College
Associate Degree in Business Administration - Business Administration
Jefferson State Community College
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