Russ Flock

Originate high quality residential mortgages in my assigned metropolitan territory which includes all 50 states.

• Collaborate with underwriters, processors, and other team members to ensure smooth transactions for all parties involved.
• Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
• Private Wealth Management and Construction Permanent Certified.
• Partner with assigned Private Wealth Manager within market.
• Top 5% in our Region for Home Equity Production.
• Increased loan application approvals by efficiently reviewing documents for accuracy and compliance.
• Managed a pipeline of mortgage applications, prioritizing tasks to ensure timely closings and meet clients'' needs.
• Structure loans creatively to address unique borrower situations and maximize approval chances without compromising compliance standards.
• Mentored colleagues in navigating complex mortgage industry procedures while sharing valuable insights gained from years of experience.

Originate high quality residential mortgages from various sources, which are compliant and provide excellent customer service.

Managed 6 Home Mortgage Consultants which were in the top 5% in production and customer loyalty for Region 7.

Developed relationships with our Private Mortgage Banking group.

• Developed strong partnerships with real estate agents, generating a consistent pipeline of referrals and new business opportunities.
• Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
• Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
• Cultivated lasting relationships with satisfied clients that led to repeat business as well as referrals from friends or family members.

To originate high quality residential mortgages.

• Educated first-time homebuyers on loan options available to them, guiding them through the entire application process seamlessly.
• Managed pipeline efficiently to meet strict deadlines for loan applications, underwriting, and funding.
• Streamlined communication between processing teams and external partners such as appraisers or title companies which resulted in efficient transaction coordination.
• Developed strong relationships with clients, realtors, and financial institutions to generate new business opportunities.
• Provided exceptional customer service by addressing client inquiries promptly and accurately.

Originate high quality residential mortgages that were compliant, and manage a team of 3 mortgage loan originators.

• Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
• Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
• Presented monthly reports to executive management, highlighting key metrics such as loan volume, delinquency rates, and overall portfolio performance.
• Developed and maintained a comprehensive knowledge of mortgage products, industry trends, and regulatory changes to provide expert guidance to both clients and colleagues.
• Developed relationships with real estate agents to increase referral business, leading to a significant boost in loan originations.
• Mentored junior staff members, providing guidance on best practices and industry regulations for professional development.
• Managed a team of mortgage professionals, ensuring high-quality customer service and timely loan closings.

Producing Sales Manager with a team of 6 Home Mortgage Consultants. Originate high quality residential mortgages that were compliant while maintaining excellent customer service.

• Collaborated with other supervisors to develop and implement operational improvements for increased efficiency.
• Oversaw daily operations of the sales team, delegating tasks appropriately to ensure smooth functioning at all times.
• Top 1% in Region 7 for customer loyalty
• Top 1% in Home Equity Production in Region 7
• Top 5% in 1st mortgage production in Region 7

• Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
• Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
• Increased loan application approvals by efficiently processing and reviewing documents for accuracy and compliance.
• Worked closely with borrowers experiencing financial hardship, helping them explore alternative financing options or refinancing solutions.

Originate high quality residential mortgages and to build referral sources with our assigned BHHS Florida Properties Group real estate offices.

• Educated first-time homebuyers on available financing options, guiding them through the entire process with patience and expertise.
• Collaborated with underwriters, processors, and other key stakeholders to ensure smooth transactions from origination through closing.
• Developed strong relationships with real estate agents and builders to generate referral business.
• Exceeded sales goals consistently while maintaining high levels of client retention and referrals.