Summary
Overview
Work History
Education
Skills
Timeline
Generic
Nicholas Smith

Nicholas Smith

Des Moines,IA

Summary

Professional Summary: Dynamic Residential Mortgage Loan Originator and Commercial Finance Broker with a proven track record, excelling in loan structuring and client management. Expertly negotiated eligible loan products, enhancing client retention and securing favorable closing terms efficiently. Recognized for fostering strong relationships and delivering exceptional service, resulting in increased loan approval rates and fast closings, all while driving successful outcomes and consistent repeat business.

Overview

20
20
years of professional experience

Work History

Commercial Finance Broker / Owner

Self-Employed
01.2012 - Current
  • Managed day-today business operations including a diverse portfolio of commercial loans and prospects, effectively minimizing risk while maximizing returns for clients.
  • Developed strong relationships with key investors and stakeholders, fostering trust and loyalty from both clients and lenders.
  • Applied expert negotiation tactics when liaising between clients and lenders to achieve mutually beneficial outcomes.


Mortgage Broker and Branch Manager

Team USA Mortgage, LLC
03.2009 - 11.2024
  • Secured lasting business relationships by providing exemplary customer service and support to clients.
  • Explained entire mortgage loan process to borrowers while assisting in improving their credit scores and overall financial standing, increasing their chances of loan approval and favorable terms.
  • Provided insightful market analysis reports that enabled both clients and brokers under management to make well-informed decisions.
  • Maintained friendly and professional customer interactions, while collaborating with different lenders to find best possible terms for homebuyers.
  • Managed all branch loan pipelines efficiently, promptly addressing any issues or concerns that arose during the mortgage process.
  • Facilitated smooth communication between all parties involved in transactions, resulting in successful loan closings and satisfied clients.
  • Enhanced successful client retention rates through timely resolution of issues and proactive relationship management and marketing efforts.

Licensed Mortgage Loan Originator

Iowa Mortgage Express, Corp.
03.2005 - 09.2009
  • Developed strong relationships with realtors, builders, and other referral sources to grow business opportunities and expand clientele.
  • Provided exceptional customer service throughout the entire loan process, earning repeat business and positive reviews from both clients and partners alike.
  • Remained up-to-date on industry regulations, guidelines, and loan program changes by attending continuing education, relevant training sessions and webinars regularly.

Education

Finance & Entrepreneurship Studies

University of Iowa
Iowa City, IA
05-2003

High School Diploma -

Woodward-Granger High School
Woodward, IA
05-1999

Skills

  • Over 20 years of industry experience without any regulatory actions

  • Credit assessment, budget expertise, loan structuring

  • Client relationship building, portfolio management & strategic investment planning

  • Proficient problem-solving & time management skills

  • Networking, leads prospecting, document management & overall market awareness

  • Referred by Kraig Peck and Colton Peck

  • *Other references provided upon request

Timeline

Commercial Finance Broker / Owner

Self-Employed
01.2012 - Current

Mortgage Broker and Branch Manager

Team USA Mortgage, LLC
03.2009 - 11.2024

Licensed Mortgage Loan Originator

Iowa Mortgage Express, Corp.
03.2005 - 09.2009

Finance & Entrepreneurship Studies

University of Iowa

High School Diploma -

Woodward-Granger High School

Similar Profiles

CREATE PROFILE