Ryan Scarborough
Wilmington,DE
Summary
Professional banker with consistent track record in real estate transaction management, regulatory compliance, and client relations. Known for strong team collaboration, adaptability to changing market conditions, and delivering results. Expertise in contract negotiation, risk assessment, and strategic planning. Reliable leader with reputation for integrity and excellence in service.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Broker of Record/Branch Manager NMLS #1089888
Highlands Mortgage, LLC
06.2019 - Current
- Research and produce policy and procedure for compliance: document security, anti-money laundering, third party vendors, state regulators
- Complete broker and correspondent lender packages for suitable loan products
- Manage three direct reports and twenty employees
- Interview potential employees, research background & extend job offers
- Manage pipeline of incoming lending inquiries, produce preapprovals and loan commitments and assign the production and origination of loans
- Streamlined brokerage processes, enhancing efficiency in transaction management and reporting.
- Negotiate and request proposals for software and tech stack
- Provided comprehensive training to junior brokers, improving their abilities in sales techniques and market analysis.
Senior Loan Officer
Movement Mortgage, LLC
03.2018 - 11.2018
- Originated 1st mortgages as a direct lender licensed in Delaware, Pennsylvania & Florida
- Funded Fannie & Freddie, VA & FHA conventional mortgages as well as non-conforming, non-warrantable and specialized broker products
- Consulted and advise self-originated clients obtain customized lending solutions
- Pursued new realtor & home builder referral relationships with the goal of obtaining new clients and expand current book of business
- Worked on Capital Markets team to execute packaged loan sales to Fannie & Freddie
- Assisted team with daily margin management and complex hedging of locked mortgage pipeline for sale on secondary market and to direct servicers
Regional Mortgage Sales Leader - Loan Officer
PNC Financial Services
11.2016 - 03.2018
- Worked with bank business partners at several branches to service and follow up with home loan inquiries
- Managed between 5-10 internal mortgage sales centers within bank branches
- Met with local realtors to establish new referral relationships
- Originated 1st and 2nd purchase mortgages
- Submitted applications for portfolio home equity loans and lines of credit
- Joined several local builder and real estate industry groups to help facilitate new business
- Enhanced product knowledge within the sales team through continuous training and workshops.
- Maximized lead generation efforts through targeted prospecting campaigns in collaboration with marketing teams.
- Optimized pricing strategies based on market research and competitor analysis, boosting profitability margins.
- Cultivated a winning sales culture that fostered teamwork, motivation, and shared success among team members.
Private Mortgage Banker - Private Bank
Wells Fargo Private Bank
06.2013 - 11.2016
- Originated a combined $90 Million+/per year in residential mortgages on a team with a senior banker and shared assistant
- Worked with buyers on obtaining mortgage financing for home purchases
- Cultivated realtor relationships by marketing to individual real estate agents and real estate brokerage offices
- Refinanced existing mortgage holders into mortgages with lower interest rates or by shortening the term
- Consulted with borrowers on best available options, review applications and financial documents and submit completed loans to underwriting
Short Sales Specialist - Legacy Asset Servicing
Bank of America
02.2012 - 06.2013
- Managed a portfolio of 65-110 loans per month that were under contract
- Negotiated offers by determining fees and countering to fair market value
- Requested foreclosure postponements
- Determined investor delegation and mortgage insurance coverage
- Analyzed offers and appraisals to determine positive mitigation for specific properties that are in the best interest of the investor to accept
- Collaborated with Palantir on the implementation of a custom tool that extracted value data in one program and analyzed the data for a similar software program
Claim Aversion Representative - Department of Education - US Treasury Department
Sallie Mae
01.2011 - 02.2012
- Serviced federal student loans owned by the Department of Education
- Processed loan forbearance and payments to bring past due accounts current
- Interacted with borrowers by phone and e-mail in regard to delinquent accounts
- Appointed mentor for Claim Aversion Representative new-hire training class
- Obtained position of public trust government security clearance - US Treasury Department
Senior Collections Manager - Collections Operations
Barclaycard US
07.2009 - 01.2011
- Managed a $10MM monthly queue of pre-charge off accounts
- Led cross-departmental initiatives aimed at minimizing bad debts exposure through early detection of warning signs in customer behavior patterns.
- Led focus groups tasked with improving daily and weekly processes
- Enhanced team performance through regular training, coaching, and feedback sessions.
- Developed customized payment plans for financially distressed customers, enabling successful debt recovery while maintaining customer satisfaction.
Education
Bachelor of Science - Public Policy, Hospitality Services And Information Technology Management,
University of Delaware
Newark, DE01.2006
Skills
- Excel
- Microsoft Word
- PowerPoint
- AS400
- Equator
- Google AdWords
- Google Analytics
- Micros Fidelio
- Microsoft Dynamics CRM
- Salesforce, Jungo
- AOW - CORE
- DOMO
- PC Lender Origination Software
- MCTLive!
- Lending Pad
- Calyx Point
- Total Expert
Accomplishments
- Supervised team of 18 staff members.
Delivered growth of gross business revenue by 90% YoY between 2020-2023
Computer Experience
Microsoft Office
- Excel
- Word
- PowerPoint
- Microsoft Teams
- Adobe Creative Cloud
- Adobe Acrobat
- AS400
- Equator
- Google AdWords & Google Analytics
- Micros Fidelio
- Microsoft Dynamics CRM
- Yardi
- Salesforce (Jungo)
- LeadMailbox
- CoStar
- AOW - CORE
- DOMO
- PC Lender Origination Software
- Pitchbook
- Lending Pad & Calyx Point
- Encompass
Certification
- Foundations of Digital Marketing and E-Commerce (Google)
- National Mortgage Licensing
- NMLS #1089888
Timeline
Broker of Record/Branch Manager NMLS #1089888
Highlands Mortgage, LLC
06.2019 - Current
Senior Loan Officer
Movement Mortgage, LLC
03.2018 - 11.2018
Regional Mortgage Sales Leader - Loan Officer
PNC Financial Services
11.2016 - 03.2018
Private Mortgage Banker - Private Bank
Wells Fargo Private Bank
06.2013 - 11.2016
Short Sales Specialist - Legacy Asset Servicing
Bank of America
02.2012 - 06.2013
Claim Aversion Representative - Department of Education - US Treasury Department
Sallie Mae
01.2011 - 02.2012
Senior Collections Manager - Collections Operations
Barclaycard US
07.2009 - 01.2011
Bachelor of Science - Public Policy, Hospitality Services And Information Technology Management,
University of Delaware
- Foundations of Digital Marketing and E-Commerce (Google)
- National Mortgage Licensing
- NMLS #1089888
Similar Profiles
Tina OliveTina Olive
Loan Officer at Highlands Residential Mortgage, Ltd.Loan Officer at Highlands Residential Mortgage, Ltd.
Jennifer LarriveeJennifer Larrivee
Loan Officer Assistant at Highlands Residential MortgageLoan Officer Assistant at Highlands Residential Mortgage
Madison WillkensMadison Willkens
Licensed Production Assistant at Highlands Residential MortgageLicensed Production Assistant at Highlands Residential Mortgage