Michael Byrne
Mission Viejo,CA
Summary
Organized Mortgage Loan Officer with 33 years of experience in mortgage origination. Extensive real estate knowledge and excellent communicator.
Consistent top producer and proven performer.
Overview
35
35
years of professional experience
1
1
Certification
Work History
Senior Mortgage Banker
E Mortgage Capital
01.2022 - Current
- Originate conventional and government residential refinances and purchases
- Proficient in Encompass, Point and Arive
- Licensed in AZ CA CO HI IL MD NV VA WA
Vice President Of Mortgage Lending
Mutual Of Omaha Mortgage
01.2020 - 01.2022
- Originated conventional and government refinance and purchase transactions
- Costco preferred originator
- Licensed in 19 states
- Top 10% of company originators
Senior Loan Consultant
American Financial Network, Inc.
06.2019 - 01.2020
- Originated conventional and government refinance and purchase loans
Loan Consultant
MonsterLoans
02.2018 - 06.2019
- Originated conventional and government refinance and purchase loans
Senior Mortgage Banker
CapWest Mortgage
07.2015 - 08.2018
- Originated conventional and government refinance and purchase loans
- Top 10% of company originators
Mortgage Banker
Ladera Lending
07.2014 - 07.2015
- Originated conventional and government refinance and purchase loans
- Networked with realtors and current clients to generate referrals.
Mortgage Banker
Network Capital Funding Corporation
08.2011 - 06.2014
- Originated conventional and government refinance and purchase loans
- Top 10% of company originators
Asset Manager
Kondaur Capital Corporation
09.2009 - 07.2011
- Monitored litigation, foreclosure and portfolio liquidation proceedings to deliver maximum ROI to investors.
- Evaluated appraisals, broker opinions and current market data to derive internal valuations and implement property strategies from pre-foreclosure through sale of asset.
- Reviewed contract reports, bid proposals and requirements with senior management for accuracy and processing.
- Kept detailed track of asset maintenance and potential future costs to accurately portray data and advise clients.
Owner
Arco Mortgage, Inc
05.1999 - 09.2009
- Operated small mortgage brokerage originating conventional, government and sub prime mortgages
Vice President of Sales
Mortgage Direct, Inc.
01.1995 - 04.1999
- Managed 20 agents and 5 processors and increased volume by 200%.
- Restructured commission schedules for greater profitability
- Assisted in placement and sale of closed loans to secondary market
Vice President of Production-Wholesale
Security Financial Acceptance
02.1990 - 01.1995
- Managed all Southern CA wholesale reps
- Developed new sub prime loan products
- Solicited So Cal brokers for sub-prime business
- Packaged and sold closed loans to secondary market
Branch Manager
Beneficial Finance
10.1987 - 12.1989
- Originated and approved real estate and personal loans
- Collected delinquent accounts
- Managed office staff
- Ran reports for district office
Education
Associate of Arts -
06.1985
High School Diploma -
06.1982
Skills
- Proficient with Encompass, Point and Arive
- Credit review and placement
Certification
- Licensed NMLS# 320159, CA DRE #01207734
Timeline
Senior Mortgage Banker - E Mortgage Capital
01.2022 - Current
Vice President Of Mortgage Lending - Mutual Of Omaha Mortgage
01.2020 - 01.2022
Senior Loan Consultant - American Financial Network, Inc.
06.2019 - 01.2020
Loan Consultant - MonsterLoans
02.2018 - 06.2019
Senior Mortgage Banker - CapWest Mortgage
07.2015 - 08.2018
Mortgage Banker - Ladera Lending
07.2014 - 07.2015
Mortgage Banker - Network Capital Funding Corporation
08.2011 - 06.2014
Asset Manager - Kondaur Capital Corporation
09.2009 - 07.2011
Owner - Arco Mortgage, Inc
05.1999 - 09.2009
Vice President of Sales - Mortgage Direct, Inc.
01.1995 - 04.1999
Vice President of Production-Wholesale - Security Financial Acceptance
02.1990 - 01.1995
Branch Manager - Beneficial Finance
10.1987 - 12.1989
Saddleback College - Associate of Arts,
Mission Viejo High School - High School Diploma,
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