Michael Halik
Rancho Santa Margarita,California
Summary
Experienced Mortgage Loan Officer and Branch Manager with 13 years of success in loan origination, pipeline management, and team leadership. Skilled in credit analysis, loan products, and closing processes, with a strong focus on operational efficiency, strategic growth, and customer satisfaction. Proven ability to lead teams, manage financial operations, and adapt to dynamic market needs. Known for exceptional time management, problem-solving, and a commitment to delivering results. Passionate about empowering teams, exceeding service expectations, and driving business performance.
Overview
23
23
years of professional experience
Work History
Branch Manager
West Capital Lending
07.2024 - Current
- Built and managed strong relationships with mortgage brokers, guiding them through loan structuring, pricing, and product selection for conventional, FHA, VA, non-QM, and DSCR programs; consistently educated partners on guidelines and submission best practices.
- Reviewed and submitted complete loan files through LOS platforms (Encompass, LendingPad, Calyx Point), collaborating with processing and underwriting teams to resolve conditions and ensure efficient, compliant closings.
- Ensured exceptional customer service by addressing client concerns promptly and effectively, leading to high customer satisfaction and retention rates.
- Oversaw branch budget, managed expenses, and implemented cost-effective measures to enhance profitability.
Mortgage Loan Originator
Ladera Lending Inc
08.2017 - 06.2024
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
- Provided exceptional customer service throughout the entire loan process from initial consultation to closing day.
- Worked closely with borrowers experiencing financial hardship, helping them explore alternative financing options or refinancing solutions.
- Managed a pipeline of mortgage applications, prioritizing tasks to ensure timely closings and meet clients'' needs.
- Assisted clients in understanding complex mortgage terms, facilitating informed decisions about their financing options.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Structured loans creatively to address unique borrower situations and maximize approval chances without compromising compliance standards.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Loan Partner 1
Summit Funding
03.2016 - 05.2018
- Contributed to team success by consistently surpassing performance goals in loan closures and application completions.
- Managed a diverse pipeline of loans, prioritizing tasks effectively to meet deadlines and maintain quality standards.
- Enhanced borrower satisfaction by providing exceptional customer service throughout the entire loan process.
- Increased referral business through proactive outreach efforts and exemplary client relationship management skills.
- Conducted regular pipeline reviews with management to assess progress toward team goals and identify areas for improvement.
- Minimized instances of missing or incomplete documentation by implementing a thorough file review process prior to submission for underwriting approval.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
Sr. Loan Officer
American Heritage Lending
10.2005 - 01.2008
- Daily discipline of originating new business, taking applications through Calyx Point, running credit checks and pricing loan scenarios.
- Worked directly with clients on their mortgage refinance loans addressing questions and concerns while providing excellent custome service.
- Maintained a steady pipeline with proper daily time management and worked directly with processing to ensure loans closed quickly and efficiently.
Loan Officer
Bridge Capital Corporation
01.2002 - 10.2005
- Mortgage Loan Originating.
- Outbound dialing 100+ calls daily.
- Application taking, structuring and pricing loans, gathering stips and preparing file for submission to processing.
Education
Diploma -
Trabuco Hills High School
Skills
- Loan structuring
- Pipeline Management
- Underwriting guidelines
- Loan Origination
- Customer Service
- Attention to Detail
- Document Preparation
- Referral Generation
Timeline
Branch Manager
West Capital Lending
07.2024 - Current
Mortgage Loan Originator
Ladera Lending Inc
08.2017 - 06.2024
Loan Partner 1
Summit Funding
03.2016 - 05.2018
Sr. Loan Officer
American Heritage Lending
10.2005 - 01.2008
Loan Officer
Bridge Capital Corporation
01.2002 - 10.2005
Diploma -
Trabuco Hills High School
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