Michael Horrigan
West Tisbury,MA
Summary
Self Motivated, Successful banker with over 25 years of proven experience in building strategic client relationship through effective sales and marketing initiatives. Knowledgeable and innovative finance, sales and marketing professional, whose success is based on integrity, exceptional customer service, efficiency and ambition. Consistent top producer and a strong leader with ability to motivate others, maintain positive attitude and work as team player.
Overview
20
20
years of professional experience
Work History
Vice President Senior Loan Officer
Cambridge Savings Bank
06.2004 - Current
- Originate and close residential loans in Massachusetts
- Create and maintain external relationships with centers of influence including real estate brokers, attorneys, CPA's, financial planners and other referral sources.
- Involved in all phases of residential lending sales cycle in accordance with bank policies, procedures and regulations.
- Collects and reviews required customer financial information to determine creditworthiness, structures loan application, completes initial processing, and prepares credit package that complies with all federal guidelines.
- Executes loan origination process, including ordering credit reports, appraisals, preliminary title reports, insurance information and flood certificates as appropriate.
- Collaborate closely with customers, colleagues and outside parties to ensure smooth process start to finish.
- Spearheaded organizational restructuring initiatives, streamlining operations and reducing overhead costs.
- Proven history of using sound judgement and leadership to accomplish and exceed goals.
Education
Bachelor of Science - Business
University of Phoenix
Skills
- Debt and credit analysis
- Excellent communicator
- Detail-oriented
- Deal Sourcing
- Loan Feasibility Assessment
- Financial Accounting
- Teamwork and Collaboration
- Energetic
- Sales expertise
- Customer service-focused
Accomplishments
● Closed over $250 million first mortgages and over 500 units in last 5 years.
● Strong mathematical capabilities, as well as a superior understanding of credit analysis and loan documentation
● Ability to interpret policies, contracts, credit, and financial/legal documents and efficiently explain processes to customers.
● Develop and teach First Time Homebuyers Classes; guiding potential buyers through the home purchase process.
● Experience working closely with low to moderate income buyers, as well as Housing Authority staff, educating all parties on the lending process and policies.
● Volunteer at community and chamber events promoting bank presence
Timeline
Vice President Senior Loan Officer
Cambridge Savings Bank
06.2004 - Current
Bachelor of Science - Business
University of Phoenix
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