Scott Keller
Goodyear,Az
Summary
Seasoned sales professional with over 25 years experience in the mortgage industry, encompassing both sales and management. Extensive knowledge of Agency Loan Guidelines and compliance. Established in Business Development, Account Management, Marketing Strategies, B2C, Sales Presentations. Skilled in analyzing clients financial positions and providing creative and profitable solutions. Consistent Top Producer, with ultimate goal at increasing the bottom line. Effective Team Builder with strong analytical and organizational skills, ability to inspire team to meet and exceed company production guidelines. Knowledge of Point and Encompass Loan Operating Systems, Velocify Lead Tracking, Excel and PowerPoint
Overview
32
32
years of professional experience
Work History
Sr. Mortgage Loan Originator
Loandrone, Inc.
01.2021 - Current
- Generate new business through targeted marketing efforts, leading to an increase in loan originations.
- Average 8+ loan fundings per month
- Utilize Encompass Loan Software to manage an average monthly pipeline of 15 loans
- Exceed funding over 90% of loans submitted to underwriting
- Review an average 15+ loan files per week
- Collaborate with underwriters to expedite loan approvals and resolve any issues or discrepancies during the review process.
Mortgage Broker
OmniFund, Inc
01.2020 - 01.2021
- Managed daily operations of individual broker office
- Established marketing channels for business development
- Generated over $25MM in loan volume
- Funded loans of all product types (Conforming ,Jumbo, Heloc, Non-Conforming, VA, FHA).
Mortgage Loan Originator
USA Loans (American Financial Network)
01.2017 - 01.2020
- Mortgage Loan Originator in newly established Consumer Direct Call Center
- Responsible for loan originations of VA, FHA, Conforming and Jumbo loan products from direct live transfers and direct mail campaigns
- Highest lock to close ratio in company, 77% of locked loans are closed
- Ranked in top 10% of annual volume producers each year
Residential Mortgage Loan Originator
GenEquity Mortgage
01.2016 - 01.2017
- Recruited to establish new lending presence in the Rancho Santa Margarita office
- Tasked with researching and establishing new marketing channels for business development
- Generated business from existing account base, responsible for originations of both refinance and purchase loans
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs
Sr. Mortgage Loan Officer
Guild Mortgage
01.2015 - 01.2016
- Recruited by competitor to retail branch office for Nationwide Mortgage Lender that originated residential loan products in purchase and refinance channels
- Co-initiated a marketing plan that increased leads to the branch by more than 20%
- Specialized in Investment property financing, which accounted for more than 40% of funded transactions
- Worked with clients to provide most beneficial solution to their financing needs
- Reviewed credit, income and debt positions to structure the most cost effective loan
- Price negotiation with secondary marketing department to maximize corporate profit margins and client satisfaction.
Sales Manager /Sr. Loan Officer
Multi State Home Lending (Everbank / NewLeaf Lending)
01.2007 - 01.2015
- Broker closed down his side of business at Multi State Home Lending, team was recruited to help start new retail units at Everbank and ultimately NewLeaf Lending
- Was Sales Manager with Multi State Home Lending and became Sr
- Loan Officer upon moving to new companies
- At Multi State was a producing sales manager for a unit of 5 inside Loan Officers
- Personally achieved top loan production 5 0f 6 years at Multi State
- (2008-2013)
- Originated 235 loans for over $63MM for the years 2009-2012
- Instrumental in establishing FHA Mobile Home Lending Channel in 2008 that would generate more than 550 funded loans for the company
- Jumbo ARM expert with Everbank
- Generated Loan originations from Affinity Groups and Internet Leads at NewLeaf
- Worked with CRM (Salesforce) to track client account base, leads and pipelines
- Consistently exceeded production goals.
Net Branch Manager
NovaStar Home Mortgage
01.2003 - 01.2006
- Responsible for branch management of 6 loan officers and 2 processors, establishing productivity goals, marketing and promotional work, developing workflow for loan files, recruitment, and customer relations
- Reviewed Budgets and Profit and Loss analysis
- Branch surpassed $60MM in funded loan volume 2 of 4 years in existence
- Branch consistently exceeded production goals, achieving top 15 loan status 5 times (company consisted of more than 75 branches, many of which were greater than 10 loan officers)
- Trained branch staff on new Loan Operating system installed - Point.
Loan Originator
KastlePoint Mortgage
01.1999 - 01.2002
- Responsible for originations, marketing of loan services, lead generation, reviewing and packaging loan files for submission to underwriting
- Worked with broker to establish company marketing campaigns for business development
- Consistently exceeded production goals
- Originated loans for both conforming and non-conforming loan products, 1st and 2nd lien positions
- Personal Loan production was instrumental in owner expanding to a fully staffed brokerage.
Sales Manager
Fremont Investment and Loan
01.1997 - 01.1998
- Recruited by former Vice President at Ford Consumer Finance to develop new Retail Lending Unit, consisting of 8 loan officers and 2 processors
- Responsible for creating department workflow
- Establishing marketing campaigns for new business, and process for retaining existing account base
- Created marketing campaign for New Business Unit that was generating over $4MM in volume after 3 months
- Developed customer retention relationship with servicing department that within 4 months was savings over 10% of all company payoff requests.
Sales Manager
Ford Consumer Finance
01.1992 - 01.1996
- Responsible for managing day to day sales operations and production for 11 loan officers, establishing sales goals, staff evaluation, staff meeting coordination, and other sales management-related functions
- Units sales production consistently exceeded companywide goals, averaging 45 units funded on a monthly basis
- Developed referral process with servicing department, resulted in refinance of an average of 14 delinquent loans per month.
Education
B.A., Business Administration -
California State University, Fullerton
Skills
- Loan origination expertise
- Residential mortgage lending regulations
- Sales Development
- Staff Management
- Pipeline Management
Additionalinformation
212066, Saddleback Church, Traffic Ministry, Glastonbury High School, Glaastonbury, CT, KSBR Radio (Saddleback College, Mission Viejo, Ca)
Timeline
Sr. Mortgage Loan Originator
Loandrone, Inc.
01.2021 - Current
Mortgage Broker
OmniFund, Inc
01.2020 - 01.2021
Mortgage Loan Originator
USA Loans (American Financial Network)
01.2017 - 01.2020
Residential Mortgage Loan Originator
GenEquity Mortgage
01.2016 - 01.2017
Sr. Mortgage Loan Officer
Guild Mortgage
01.2015 - 01.2016
Sales Manager /Sr. Loan Officer
Multi State Home Lending (Everbank / NewLeaf Lending)
01.2007 - 01.2015
Net Branch Manager
NovaStar Home Mortgage
01.2003 - 01.2006
Loan Originator
KastlePoint Mortgage
01.1999 - 01.2002
Sales Manager
Fremont Investment and Loan
01.1997 - 01.1998
Sales Manager
Ford Consumer Finance
01.1992 - 01.1996
B.A., Business Administration -
California State University, Fullerton
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