NICHOLAS MCKINNEY
Aubrey,TX
Summary
Experienced branch manager and senior loan consultant with a proven track record in the mortgage industry. Demonstrated expertise in loan origination, portfolio management, and effective team leadership. Consistently surpasses production goals while prioritizing customer satisfaction and successfully navigating complex regulatory environments. Performance-driven professional consistently exceeding expectations and delivering exceptional results.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Senior Loan Consultant
Newrez
12.2023 - 10.2024
- Specialized in maintaining loan retention for a diverse portfolio, ensuring client loyalty.
- Consult with borrowers, providing expert advice on loan products and services to meet their financial needs
- Maintain comprehensive knowledge of loan programs, guidelines, and regulations to offer accurate and timely solutions
Producing Branch Manager
American Mortgage Network
01.2023 - 01.2024
- Oversee day-to-day operations of the branch, managing all personnel and loan processes from inception to completion
- Recruit, mentor, and develop a high-performing team exceeding expectations in customer service, production, and community reputation
- Stay current with lending policies, procedures, guidelines, and regulations through continuous training and licensing
- Managed a diverse pipeline of purchase and refinance loans
- Provided expert consultation to borrowers, evaluating needs and presenting suitable loan options
- Maintained comprehensive knowledge of loan programs and financing solutions
Senior Loan Consultant
Stearns Lending
01.2020 - 01.2021
- Pre-qualified borrowers, ran automated underwriting systems, calculated income, and secured locked interest rates
- Conducted pipeline management, including reviews, tracking, and status updates to ensure timely loan closures
- Communicated effectively with all stakeholders to align expectations and meet deadlines
Senior Loan Consultant
First Guaranty Mortgage
01.2019 - 01.2020
- Originated mortgages from existing portfolios through efficient data entry and client interactions
- Utilized portfolio leads to generate mortgage loan production and engaged in proactive outbound calls
- Focused on consumer direct and portfolio retention strategies
- Collected and processed client information to originate mortgages from existing portfolios
- Leveraged leads to generate loan production through outbound calling efforts
- Prioritized consumer direct and portfolio retention efforts
Senior Loan Consultant
Nationstar Mortgage
01.2015 - 01.2016
- Managed multiple portfolios simultaneously, achieving a productivity rate50% faster than expected
- Set proper borrower expectations and facilitated seamless loan processing transactions
- Emphasized consumer direct and portfolio retention through high-volume call handling
Senior Account Executive
Loan Depot
01.2014 - 01.2015
- Assessed customer eligibility for loans, performed credit checks, and conducted background investigations
- Delivered excellent customer service and presented lending products to potential customers
- Maintained high call volumes, focusing on consumer direct and portfolio retention
Mortgage Consultant
Capital One
01.2012 - 01.2014
- Developed and followed up on sales leads for mortgage products, managing a high volume of inbound and outbound calls
- Collaborated with loan teams to ensure accurate assessment and compliance with industry regulations
- Adhered to regulations including the Fair Credit Reporting Act, RESPA, and Truth-in-Lending laws
Loan Servicing Specialist II
Bank of America
01.2010 - 01.2012
- Evaluated customer eligibility for loans, conducted credit checks, and background assessments
- Provided exceptional customer service to existing clients and prospective borrowers
- Managed high call volumes and serviced portfolio clients efficiently
Education
College Certificate - Culinary Arts
Collin County College
Plano, TX01.2015
B.A. - Business Administration & Management
Arkansas Baptist College
01.2007
Skills
- Advanced sales abilities and expertise in mortgage loan origination
- In-depth knowledge of pricing and underwriting requirements for various mortgage insurance companies
- Proficient in underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors
- Comprehensive understanding of local, state, and national laws including zoning ordinances, Truth-in-Lending, RESPA, and energy audit requirements
- Strong financial analysis and data interpretation skills
- Adaptable Decision-making
- Strong negotiation skills
- Superior customer service
- Debt settlement
Certification
- Active NMLS:970103
- Licensed in (20) states with the ability to obtain additional state licenses as needed
Timeline
Senior Loan Consultant
Newrez
12.2023 - 10.2024
Producing Branch Manager
American Mortgage Network
01.2023 - 01.2024
Senior Loan Consultant
Stearns Lending
01.2020 - 01.2021
Senior Loan Consultant
First Guaranty Mortgage
01.2019 - 01.2020
Senior Loan Consultant
Nationstar Mortgage
01.2015 - 01.2016
Senior Account Executive
Loan Depot
01.2014 - 01.2015
Mortgage Consultant
Capital One
01.2012 - 01.2014
Loan Servicing Specialist II
Bank of America
01.2010 - 01.2012
B.A. - Business Administration & Management
Arkansas Baptist College
- Active NMLS:970103
- Licensed in (20) states with the ability to obtain additional state licenses as needed
College Certificate - Culinary Arts
Collin County College
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