Michael Klier

Innovative Executive Mortgage Banking Manager with over twenty years supervisory and managerial experience in the retail and wholesale channels with both employees and account management. Corporate and business knowledge in sales, marketing, research and competitive analysis of competitors, and clients. Skilled administrator with proven abilities in production planning and operational direction. Experienced developing and implementing new and strategic policies and procedures. Very meticulous in developing mortgage lenders, understanding strengths and weaknesses, utilizing skills to make them the best and most profitable lender. I am a goal oriented manager with a demonstrated and proven ability to train, motivate, and lead a group of lenders to meet and exceed competitive and communicated management expectations. I bring a proven track record for increasing productivity in areas and regions throughout the country while maintaining profit and loss responsibility for overall growth and management of mortgage companies and divisions.

• Originated loans salable to Fannie Mae and Freddie Mac
• Originated high quality portfolio loans to be held directly by credit union
• Participated in branch meetings and events
• Assisted Sales Manager in Real Estate Agent educational outreach initiatives
• Responsible for overall growth of Mortgage Department.
• Developed and maintained relationships with delegated investors
• Implemented new software and third party vendors.
• Recruited, hired, and trained retail officers for TX, CO & OK.
• Management of Productions and Operations.
• Developed Executive Summary and Revenue Plan for Development.
• Revised Secondary Market Policy
• Interfaced daily with Co- Workers, Clients, and Third party vendors.
• Educated Loan Officers on new programs and industry changes.
• P & L responsibility and cost- center management.
• Managed and over saw the production of9 Bank Branches in Amarillo and surrounding areas
• Recruited, hired, and trained new HMC's with little to no Mortgage experience
• Implemented hands on training for all HMC's to increase personal production in assigned Bank branches and within their Realtor assigned data base
• Increased Wells Fargo Home Mortgage Amarillo market share to number #3
• Increased production in Amarillo by over400% within first6 months of employment
• Analyzed credit and offered debt elimination solutions to clients
• 80 to100 Outbound calls per day as well as20-30 inbound calls
• Processed files quickly and efficiently according to company guidelines
• Provided superior customer service and client follow up maintain effective communication
• Management of Production and Operations for Wholesale Branches in California.
• Worked directly with the Secondary Division to enhance Marketability & necessary product changes.
• P & L responsibility and cost-center management.
• Recruit and train Account Executives.
• Recruited and developed a sales team of9 Account Executives
• Increased loan production to600% in12 months.
• Averaged monthly productivity in Orange County of40mm per month.
• Daily interfaced with professionals, staff, and co-workers at all levels.
• Hired, trained and supervised over23 Account Executives for all of Southern California, Arizona and Nevada. Increased productions in San Diego by more than300% within the first90 days of employment.
• Instituted automation of several changes in regards to pricing, guidelines, programs, and marketing strategies.
• Implemented hands on training for all field Account Executives to increase production.
• Averaged a monthly production of $30 million.
• Earned rookie of the year award in1996 for averaging over $4.1 million in personal production.
• Promoted to Regional Sales Manager in6 months.
• Directly responsible for increasing loan production in San Diego County by over450% within a6-month period.