MICHAEL BRETTELL
Valley Center,CA
Summary
Dynamic Reverse Mortgage Agent with a proven track record at Mutual of Omaha, recognized as a top performer in funded loans. Expertise in financial analysis and risk assessment, delivering exceptional customer service while effectively managing loan processes. Committed to achieving client goals through strategic communication and comprehensive product knowledge.
Overview
16
16
years of professional experience
Work History
Reverse Mortgage Agent
Finance of America
02.2022 - 01.2025
- Oversight and accountability for all aspects of the loan process including but not limited to: client documentation, appraisal, title report, lenders submission guidelines, and loan funding
- Managed fast paced, multiple transactions, with a high level of customer satisfaction
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals
Reverse Mortgage Agent
Mutual of Omaha
02.2020 - 01.2022
- Top 10 agent in funded loans
- Provided clients exceptional customer service while educating them through Reverse Mortgage process
- Analyzed potential risks and evaluated loan products to identify suitable options for customers
- Reconciled missing loan documents, assisting customers on all phases of the application process, and offered guidance from initiation to the funding process
Reverse Mortgage Agent
American Advisors Group
04.2018 - 01.2020
- Managed pipeline of loans in excess of 40+ loans, closing 5-10 each month
- Communicated conditions, requirements, and decisions
- Analyzed credit, income, compliance, title documents, estate planning, and corporate ownership filings and appraisals during underwriting process
Executive Sales Representative
Monex Deposit Company
03.2009 - 03.2018
- Managed activity levels of over 100+ calls every day
- Remained knowledgeable and up to date on products and changes in the industry on a daily basis
- Prioritized top sales activities through regular CRM tracking
Mortgage Agent
CashCall Mortgage
03.2016 - 01.2018
- Funded 5-10 loans monthly
- Analyzed DTI, verified credit histories
- Followed up with clients on missing loan documents
- Providing guidance on application process
- Delivered excellent customer by providing prompt and accurate loan status
Education
Associate of Arts - Business
Saddleback College
Mission Viejo, CA06-1987
Skills
- Loan processing
- Customer relationship management
- Financial analysis
- Risk assessment
- Regulatory compliance
- Credit analysis
- Effective communication
- Goal oriented
References
References available upon request.
Timeline
Reverse Mortgage Agent
Finance of America
02.2022 - 01.2025
Reverse Mortgage Agent
Mutual of Omaha
02.2020 - 01.2022
Reverse Mortgage Agent
American Advisors Group
04.2018 - 01.2020
Mortgage Agent
CashCall Mortgage
03.2016 - 01.2018
Executive Sales Representative
Monex Deposit Company
03.2009 - 03.2018
Associate of Arts - Business
Saddleback College
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