Michael Virostick
Shelby Charter Twp,MI
Summary
Results-driven Wholesale Sales Manager with expertise in team leadership and strategic networking. Led initiatives that met sales targets and streamlined operational processes. Knowledgeable in TRID compliance and focused on building client relationships to enhance B2B sales growth.
Overview
1
1
Certification
24
24
years of professional experience
Work History
WHOLESALE SALES MANAGER
Michigan Mutual Wholesale
Port Huron, MI
03.2020 - Current
- Managed sales team to consistently achieve growth and hit sales targets.
- Established and trained team of Account Executives for B2B sales in prospecting, originating, TRID, QM, guidelines, and loan process structure, resulting in improved sales performance.
- Developed sales team through motivation, counseling, and product knowledge training, increasing team effectiveness and sales outcomes.
- Worked with and trained a team of 25 Loan officers building a pipeline averaging 28 million in closed loans per month
- Managed pipeline,training in compliance, product knowledge, phone skills, sales techniques and marketing.
- Built and maintained broker relationships across mortgage channels and regional markets, expanding business reach and collaboration.
- Analyzed trends and results to determine annual unit and gross-profit plans.
- Prepared budgets to guide and control budget expenditures.
ACCOUNT EXECUTIVE
Michigan Mutual Wholesale
Southfield, MI
03.2011 - Current
- Established relationships with outside mortgage brokers and loan officers to facilitate collaboration. Provided pricing and guidelines for Fannie Mae, Freddie Mac, USDA, FHA, VA, and Jumbo products, ensuring informed decision-making.
- Managed broker accounts for Michigan Mutual Wholesale insurance submissions, ensuring compliance and efficient processing.
- Quoted new business following carrier guidelines and wholesale underwriting rules to support accurate underwriting decisions.
- Reviewed applications for completeness and accuracy before submission.
LOAN OFFIER
Michigan Mutual Wholesale
Southfield, MI
05.2002 - 03.2012
- Managed loan process from marketing to closing, ensuring timely execution of residential mortgage transactions.
- Reviewed loan applications, income documents, credit reports, and asset statements.
- Reviewed loan applications, income documents, credit reports, and asset statements to assess borrower eligibility.
- Communicated underwriting conditions and file status to brokers and borrowers, providing clarity and support throughout the process.
Education
BACHELOR OF ARTS (B.A.) - RESTURANT/HOTEL BUSINESS MANAGEMENT
Oakland University
Rochester, MI05-1990
BACHELOR OF ARTS (B.A.) - RESTURANT/HOTEL BUSINESS MANAGEMENT
Oakland University
Rochester, MI05-1990
Skills
- Loan origination
- TRID compliance
- Loan processing
- Contract negotiation
- Pipeline management
- Sales strategy
- B2B sales strategies
- Market analysis
- Market pricing analysis
- Budget analysis
- Client communication
- Key relationship management
- Client rapport
- Team leadership
- Team building
- Sales presentations
- Process optimization
- Regulatory compliance
- Strategic networking
- Loan guidelines adherence
- Loan processing
Personal Information
Title: Wholesale Sales Manager
Certification
NMLS 1387862
Timeline
WHOLESALE SALES MANAGER
Michigan Mutual Wholesale
03.2020 - Current
ACCOUNT EXECUTIVE
Michigan Mutual Wholesale
03.2011 - Current
LOAN OFFIER
Michigan Mutual Wholesale
05.2002 - 03.2012
BACHELOR OF ARTS (B.A.) - RESTURANT/HOTEL BUSINESS MANAGEMENT
Oakland University
BACHELOR OF ARTS (B.A.) - RESTURANT/HOTEL BUSINESS MANAGEMENT
Oakland University