Michael Troy
Murrieta,CA
Summary
Results-driven Mortgage Banking Professional leveraging underwriting expertise, loan origination production, and consultative financial sales experience to drive revenue growth and strengthen client relationships. Achieved production growth through strategic relationship development and client-centered lending strategies across Conventional, Government, and Non-QM lending platforms. Focused on delivering innovative lending solutions that align borrower goals with responsible financing strategies while managing high-volume pipelines and maintaining compliance integrity.
Overview
5
5
years of professional experience
Work History
Loan Officer
Mortgage Dove
Corona, CA
08.2025 - Current
- Consistently originate an average of 10–12 residential mortgage loans monthly, driving revenue growth through strategic referral cultivation and targeted lead conversion.
- Develop and maintain high-value professional relationships with real estate agents, wealth advisors, escrow officers, and past client networks to strengthen market presence and referral sustainability.
- Manage full loan lifecycle from pre-qualification through closing, ensuring regulatory compliance and delivering service excellence.
- Conduct consultative borrower financial assessments to evaluate creditworthiness, liquidity, debt structure, and align with long-term homeownership goals.
- Structure tailored mortgage solutions including Conventional, FHA, VA, Jumbo, and Non-QM loan products while optimizing loan performance and approval success rates.
- Perform complex income and asset analysis including self-employed borrowers, multi-entity business ownership, and layered income scenarios.
- Leverage CRM pipeline management systems and performance tracking analytics to uphold production benchmarks and ensure pipeline stability.
- Maintain a reputation for professionalism, responsiveness, and strategic problem-solving in fast-paced lending environments.
Owner & Core Member
Powersmith Solar
04.2021 - 12.2025
- Co-founded and scaled a residential solar sales organization focused on consultative financial and energy cost-savings solutions.
- Demonstrated entrepreneurial leadership by developing sales strategies, pipeline forecasting models, and performance training programs.
- Generated new business through strategic prospecting, referral marketing, and developing brand relationships, contributing to overall sales growth.
- Conducted in-depth in-home financial consultations to align renewable energy investments with homeowner budget strategies, enhancing client understanding of ROI.
- Closed high-value residential contracts while consistently exceeding sales production goals.
- Mentored and trained sales representatives in client engagement, negotiation strategy, and closing methodology.
- Managed client lifecycle communication, ensuring project success and installation completion to retain customer satisfaction.
Loan Officer
Planet Home Lending
Rancho Cucamonga, CA
06.2024 - 01.2025
- Originated retail mortgage loan production through a combination of outbound prospecting, corporate lead opportunities, and referral network expansion.
- Conducted comprehensive borrower qualification reviews including credit evaluation, income calculation, and asset verification.
- Structured compliant loan files and collaborated with processing and underwriting teams to ensure efficient file progression and timely funding.
- Strengthened borrower confidence by providing clear loan education and tailored financial strategy guidance.
- Maintained detailed pipeline follow-up strategies to enhance loan conversion ratios and elevate customer satisfaction.
- Ensured adherence to TRID, RESPA, and federal/state mortgage compliance regulations, reinforcing risk management and operational accuracy.
- Collaborated across functions to resolve underwriting conditions and expedite loan closing timelines.
Mortgage Loan Underwriter
First Republic Bank
San Diego, CA
02.2023 - 08.2023
- Underwrote complex residential mortgage loan transactions in accordance with agency, jumbo, and portfolio lending guidelines.
- Performed advanced income analysis including W-2 wage earners, self-employed borrowers, partnership income, K-1 distributions, and business cash flow reviews.
- Conducted comprehensive borrower risk analysis through evaluation of credit reports, asset reserves, collateral documentation, and liability structures.
- Calculated debt-to-income ratios, assessed layered risk factors, and identified compensating strengths to determine loan eligibility and approval conditions.
- Issued conditional loan approvals and communicated underwriting decisions with clarity, efficiency, and professionalism.
- Reviewed appraisal reports to ensure collateral compliance, property eligibility, and valuation integrity.
- Ensured compliance with regulatory guidelines and internal credit risk policies while consistently meeting aggressive underwriting turn-time standards.
- Partnered with loan originators and processors to resolve complex borrower scenarios and maximize loan approval opportunities.
- Achieved recognition for maintaining high accuracy, meeting productivity metrics, and adhering to quality control standards.
Skills
- Residential Mortgage Origination
- Agency, Government & Non-QM Lending
- Risk Assessment & Credit Decisioning
- Loan structuring
- Regulatory compliance
- Pipeline & Production Management
- CRM & Loan Origination Systems
- Financial analysis
- Referral Network Development
- Relationship-Based Business Growth
- Customer retention
- Performance optimization
- Team collaboration
- Self-employed analysis
Nmls Number
1594728
Timeline
Loan Officer
Mortgage Dove
08.2025 - Current
Loan Officer
Planet Home Lending
06.2024 - 01.2025
Mortgage Loan Underwriter
First Republic Bank
02.2023 - 08.2023
Owner & Core Member
Powersmith Solar
04.2021 - 12.2025