Summary
Overview
Work History
Education
Timeline
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Michele Denise MacKinnon

Richmond,VA.

Summary

Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service. Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process.

Overview

22
22
years of professional experience

Work History

Home Loan Officer

Citibank
06.2022 - Current


  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Develop relationships with wealth advisors, bankers, realtors and clients to build strong network of referrals.


Private Mortgage Banker

Wells Fargo
08.2020 - 06.2022
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Worked with underwriters to fix application problems and resolve issues.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Originated over $44,000,000 in residential loans in 2021. Develop relationships with wealth advisors, bankers, realtors and clients to build strong network of referrals. Analyze loans for quality and compliance. Understand underwriting guidelines and structuring of loans to implement the right product for our customers. Working with non-conforming portfolio, conventional, FHA and VA loans. Self-motivated and assertive in developing new business.

Client Success Manager

TrueCar
07.2018 - 07.2020


  • Managed existing client renewals, keeping accounts, information and documents in conformance with compliance standards.
  • Assisted clients with strategic processes and provided with necessary tools to achieve success.
  • Developed and maintained strong relationships with 80+ dealerships throughout Virginia. Work closely with Dealer Principals, General Managers, GSM’s , Sales Managers, Internet/BDC Managers and Teams. Consulted with dealers regarding TrueCar services as well as a vast array of topics of importance within the automotive field. Conducted trainings, assisted with Best Practices and lent support to dealerships in establishing and sustaining dealer processes. Most recently while working remotely due to the COVID19 pandemic, our team was asked to sign 20% of our dealer network on our new remote retailing solutions product. In a 3 week period I was able to sign 50% of my book of business and attained number 9 throughout the Country. Also, remained in the top echelon of the Company during my time at TrueCar by meeting and exceeding TrueCar objectives.

Internet Director

Mercedes Benz Of Midlothian
08.2017 - 07.2018
  • Increased sales by developing a Service to Sales marketing strategy at the dealership from the ground up. Managed Internet Team processes and increased Internet Closing ratios by managing response times, communications and follow-up processes.
  • Negotiated with third-party providers to receive cost-effective services while staying on budget.
  • Strategized with online vendors and sales managers for successful implementation of advertising drives.
  • Monitored internet traffic and strategically managed email marketing campaigns to facilitate new sales.

Sales Manager/Internet Directo

Asbury Automotive
12.2008 - 06.2017
  • Leading a sales department to attain and maintain the highest closing ratio since the dealerships inception. Desking deals, creating monthly e-blasts and marketing promotions. Maintaining internet provider relationships and pricing. Leading sales meetings, counseling employees and preparing monthly reviews for employees. Delivering a strong level of ethical standards and follow up to create referral base. Promoted to this position from Corporate Recruiter position within Asbury Automotive where I began the start-up operation of recruiting for Asbury Automotive, (Florida Region). Recruited all levels of employees from Craigslist, Linkedin, Careerbuilder as well as a host of other career sites and social media sites. Followed through full-cycle recruiting process. Hosted career fairs at dealerships and universities for our MIT program. Interviewing candidates and recommending to dealerships. Recruited everything from Service Technicians to Sales Managers. Worked with ICIMS for r ecruiting database. I am also PI Certified and am very familiar with analyzing PI’s to determine strengths and weaknesses in the field I was recruiting for. Was promoted to Sales Manager at Palm Harbor Honda. Promoted to this position from Internet Sales Manager at Mercedes Benz of Ft. Pierce a division Asbury Automotive where I built client base via the internet and maintaining relationships with prior clients. Also created the lease portfolio program for that dealership. Top salesperson at Mercedes Benz of Ft. Pierce and won Most Admired at the dealership. Was promoted to Corporate Recruiter.
  • Resolved customer issues quickly to close deals and boost client satisfaction.
  • Conducted team meetings to reinforce goals and objectives and set clear expectations about policies and procedures.
  • Coached and counseled sales personnel, assisting with individual selling efforts and helping sales representatives reach targets.

Top Producing Branch Manager

Bankers Mortgage Trust
08.2001 - 09.2008
  • Leading a sales department to attain and maintain the highest closing ratio since the dealerships inception. Desking deals, creating monthly e-blasts and marketing promotions. Maintaining internet provider relationships and pricing. Leading sales meetings, counseling employees and preparing monthly reviews for employees. Delivering a strong level of ethical standards and follow up to create referral base. Promoted to this position from Corporate Recruiter position within Asbury Automotive where I began the start-up operation of recruiting for Asbury Automotive, (Florida Region). Recruited all levels of employees from Craigslist, Linkedin, Careerbuilder as well as a host of other career sites and social media sites. Followed through full-cycle recruiting process. Hosted career fairs at dealerships and universities for our MIT program. Interviewing candidates and recommending to dealerships. Recruited everything from Service Technicians to Sales Managers. Worked with ICIMS for r ecruiting database. I am also PI Certified and am very familiar with analyzing PI’s to determine strengths and weaknesses in the field I was recruiting for. Was promoted to Sales Manager at Palm Harbor Honda. Promoted to this position from Internet Sales Manager at Mercedes Benz of Ft. Pierce a division Asbury Automotive where I built client base via the internet and maintaining relationships with prior clients. Also created the lease portfolio program for that dealership. Top salesperson at Mercedes Benz of Ft. Pierce and won Most Admired at the dealership. Was promoted to Corporate Recruiter.
  • Assessed employee performance and developed improvement plans.
  • Engaged employees in business processes with positive motivational techniques.
  • Complied with regulatory guidelines and requirements.

Education

Mass Communications

Virginia Commonwealth University
Richmond, VA

Timeline

Home Loan Officer

Citibank
06.2022 - Current

Private Mortgage Banker

Wells Fargo
08.2020 - 06.2022

Client Success Manager

TrueCar
07.2018 - 07.2020

Internet Director

Mercedes Benz Of Midlothian
08.2017 - 07.2018

Sales Manager/Internet Directo

Asbury Automotive
12.2008 - 06.2017

Top Producing Branch Manager

Bankers Mortgage Trust
08.2001 - 09.2008

Mass Communications

Virginia Commonwealth University

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Michele Denise MacKinnon