RJ Hartnett

Clear Mortgage Capital is a mortgage broker and banker licensed in 12 states. I am the Branch Manager and Sales Manager for the Phoenix, AZ office located in Paradise Valley, AZ.

• Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
• Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
• Obtained new borrowers and retained existing borrowers to maintain consistent growth in volume and revenue.
• Obtained new real estate agent referral partners in 4 western states through social media and online presentations.
• Managed and inspired team members to perform to full potential, driving branch profitability.
• Established and built customer relationships through targeted outreach and initiatives.
• Supported outside sales force in servicing and obtaining new business.
• Planned work schedules to maintain adequate staffing levels.
• Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
• Enhanced financial performance metrics by networking to create successful and sustainable relationships.
• Developed annual branch business plan for maximum profitability and effectiveness.
• Boosted sales and customer loyalty through incentive programs.
• Developed and delivered polished sales presentations in order to highlight product and service quality.
• Implemented service improvements to enhance sales cycle.
• Top 5 company producer in volume and revenue in Arizona, California and Oregon.

E Mortgage Capital is a direct lender and mortgage broker licensed in 23 states. I managed the Irvine, CA sales office.

• Fostered relationships with customers to expand customer base and retain business.
• Demonstrated product features to align with customer needs.
• Leveraged CRM system to manage sales activities and track sales performance.
• Presented products and services to prospective and existing customers to meet client needs.
• Resolved customer complaints to maintain high level of satisfaction.
• Managed branch sales, customer service, finances and recordkeeping.
• Worked directly with customers and associates to handle internal and external complaints and objections.
• Maintained up-to-date knowledge of competitor products and pricing in market served.
• Sold over $37M in volume annually, exceeding sales goals.

• Oversaw sales and underwriting processes of mortgage lending office.
• Worked with underwriters to fix application problems and resolve issues.
• Reviewed loan files and updated to match current standards.
• Fielded customer complaints and provided solutions.
• Explained different types of loans pertaining to client situations.
• Implemented sales strategies that established relationships with realtors and CPAs.
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
• Proactively identified solutions for customers experiencing credit issues.
• Established plans and payoffs for customers' loans, prioritizing control of overall costs.
• Consistently ranked in the top 10% of sales agents on a monthly basis.

Stearns Lending was the largest privately held mortgage banking firm in the US.

• Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
• Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
• Performed daily maintenance of loan applicant database.
• Adhered to federal and state compliance guidelines relative to retail mortgage lending.
• Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
• Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
• Met with applicants to obtain information for loan applications and answer questions about process.

AFN is a mortgage banking firm located in California with offices accross the Western US.

• Examined customer loan applications for loan approvals and denials.
• Originated, reviewed, processed, closed and administered customer loan proposals.
• Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
• Created reports on deteriorating trends and fiscal year-end losses.
• Developed and maintained relationships with local real estate agents.
• Received regional branch recognition award for 120% sales increase year over year.

Lending Tree is mortgage lead provider and Lending Tree Loans is national mortgage banker.

• Showcased product features to customers and discussed technical details to overcome objections and lock in sales.
• Visited customer locations to evaluate requirements, demonstrate product offerings and propose strategic solutions for diverse needs.
• Established fair pricing structures and finalized contracts to complete purchase agreements with customers.
• Interacted with approximately 25-30 customers daily to provide personalized product guidance, resolve issues and open new accounts.

Natural Data is a national IT Consulting and Staffing firm.

• Built and strengthened relationships with new and existing accounts to drive revenue growth.
• Negotiated sales deals between customers and agency, resulting in mutually beneficial agreements and cultivated relationships.
• Executed successful sales strategies to convert leads into customers.
• Stayed up-to-date on emerging industry and product standards and trends to revitalize accounts.
• Personally opened new corporate client accounts with Fortune 500 companies.
• Clients: UPS, Motorola, CNA Insurance, Northwestern University.
• Successfully negotiated terms and was added to national It vendors list: UPS, Motorola, CNA, Chicago Board of Trade, Broadcom