STEPHEN James HARVEY III
Kelso,WA
Summary
Results-driven Mortgage and Financial Services Professional with 20+ years of experience in residential lending, consumer finance, loan servicing, loss mitigation, and customer relationship management. Extensive expertise in conventional, FHA, VA, USDA, reverse mortgage, and first-time homebuyers programs. Recognized for regulatory compliance, relationship building, problem-solving, and exceptional customer service. Proven leader with experience supervising teams of up to 21 employees while driving operational efficiency and customer satisfaction.
Overview
1
1
Certification
21
21
years of professional experience
Work History
Retail Sales Associate / Assistant Manager Backup
Pets, Pawns and Imports, LLC (PPI)
Longview, WA
01.2019 - Current
- Provide sales and customer service support in a fast-paced retail and pawn environment.
- Assist with store operations, inventory management, merchandising, and security procedures.
- Manage pawn transactions, documentation, collateral evaluations, and customer payments.
- Refurbish guitars and stringed instruments, create online product listings, and support revenue growth through e-commerce sales.
- Serve as primary management backup, opening and closing the store and supporting daily operations.
Mortgage Consultant
Life Mortgage, Division of Mann Mortgage
Kelso, WA
01.2018 - 01.2019
- Originate purchase and refinance loans across conventional, FHA, VA, USDA, reverse mortgage, and first-time homebuyer programs.
- Guide clients through the lending process from application through closing.
- Develop referral relationships with Realtors and industry professionals.
- Ensure compliance while delivering exceptional customer service.
Loss Mitigation Specialist / Customer Relations Representative
Seterus, Inc. (Contract through Aerotek)
01.2015 - 01.2018
- Reviewed loan modification applications and supporting documentation for accuracy and compliance.
- Assisted borrowers, attorneys, and third parties with servicing, foreclosure alternatives, and bankruptcy matters.
Collector III, Credit Card Collections & Deceased Account Management
Wells Fargo Bank
01.2013 - 01.2015
- Managed estate-related account resolutions and assessed collectability while maintaining regulatory compliance.
Prior Mortgage Lending Roles
01.2006 - 01.2013
- Held mortgage origination positions with Sterling Bank, Wells Fargo Home Mortgage, Bank of America Home Loans, Columbia Mortgage, and Countrywide Home Loans.
- Originated purchase, refinance, HELOC, construction, lot/land, reverse mortgage, and government-backed loans while building referral networks and educating borrowers on financing options.
Education
High School Diploma -
Lower Columbia College
Longview, WA01-1975
Skills
- Mortgage Loan Origination
- Conventional, FHA, VA, USDA & Reverse Mortgages
- Consumer Lending & Credit Analysis
- Loan Modifications & Loss Mitigation
- Regulatory Compliance
- Customer Relationship Management
- Collections & Bankruptcy Processes
- Referral Partner Development
- Team Leadership & Coaching
- Teamwork and collaboration
- Time management
- Customer engagement
- Retail sales
- Store opening and closing
- Flexible schedule
- Money handling
- Stocking and receiving
- Relationship building
- Phone etiquette
- POS system operations
- Conflict resolution
- Customer needs assessment
- Transaction processing
- Sales expertise
- POS system operation
- Customer Service Excellence
- Customer service
- Teamwork
- Problem-solving
- Policy and procedure adherence
- Interpersonal and written communication
- Display setup
- Product recommendations
Certification
Nationwide Multistate Licensing System (NMLS) Licensed Mortgage Loan Originator
Timeline
Retail Sales Associate / Assistant Manager Backup
Pets, Pawns and Imports, LLC (PPI)
01.2019 - Current
Mortgage Consultant
Life Mortgage, Division of Mann Mortgage
01.2018 - 01.2019
Loss Mitigation Specialist / Customer Relations Representative
Seterus, Inc. (Contract through Aerotek)
01.2015 - 01.2018
Collector III, Credit Card Collections & Deceased Account Management
Wells Fargo Bank
01.2013 - 01.2015
Prior Mortgage Lending Roles
01.2006 - 01.2013
High School Diploma -
Lower Columbia College
LEADERSHIP & PROFESSIONAL DEVELOPMENT
- Supervised and developed teams of up to 21 employees.
- Managed operations within budget guidelines.
- Completed professional training in leadership, customer service, communication, conflict resolution, compliance, change management, and process improvement.
ADDITIONAL EXPERIENCE
- Weyerhaeuser Employees’ Credit Union
- AccuBanc Mortgage Corporation
- Check ’n Go, Inc.
- Cowlitz Bank/Bay Mortgage
- Portland Mortgage
- Sterling Savings Bank
- Washington State DSHS, Eoff Electric and Rent-A-Center