Steve Hicks
Dublin,CA
Summary
Accomplished leader of production at the Regional Bank, Credit Union and Mortgage Lender business model. Successful at recruiting, achieving budget goals, training and retention. Customer service oriented and driven. Experience with internal and external audit compliance responses as well as board reporting
Overview
20
20
years of professional experience
Work History
Manager, Internal Home Loan Consultants
Patelco Credit Union
Dublin, CA
07.2022 - Current
- Led team of 12 internal Home Loan Consultants
- Responsible for recruiting and training of Home Loan Consultants
- Created streamline process for turn-time improvement by partnering with Operation staff to ensure files moved smoothly and without unnecessary delays
- Implemented and trained internal purchase Loan Consultant team
- Led adjustments to daily pricing for both internally held portfolio as well as Fannie Mae pricing
- Worked daily with Marketing to ensure marketing spend was performing to our goals and recommending adjustments when necessary based on analytical review of each marketing channel
- Worked with passed referral sources to introduce the Credit Union's branding into the market by presenting at Realtor marketing meetings and Title Company events
Director, Retail Sales
Fremont Bank
Livermore, California
11.2015 - 01.2022
- Oversaw Retail team of 3 Managers and 24 Loan Agents spread between a Call Center and 21 Fremont Bank branch locations
- Oversaw Customer Care Call Center of 9 Representatives and Sales Support Executives
- Averaged 2-3 billion of production annually within our Residential Lending Retail Sales team
- Assisted in increasing annual purchase funding volume year over year through establishing and leading external partnerships
- Recruited, trained and created annual budgets for Residential Retail Lending Loan Agents
- Oversaw and ensured refinance, home equity line of credit and purchase volume met budgeted Retail funding goals annually
- Responsible for FDIC audit responses as well as creating passing responses to yearly internal compliance audit
- Worked daily with Secondary Pricing team to post retail interest rates
- Oversaw annual portfolio funding's of $700,000,000
- Presented loans for review to our Board Loan Committee
- Worked closely with Marketing to drive increases in lead volume daily by adjusting marketing spend through reviewing trends and online analytics
- Ensured Branch production goals met annual budget requirements for cross sell initiatives
- Worked closely with our Wholesale Lending teams to ensure retention goals were met
Mortgage Loan Agent
Fremont Bank
Livermore, CA
03.2011 - 11.2015
- Annually exceeded $150,000,000 in production
- Created Call Center Purchase Team and built production to over $300,000,000 annually
- Increased Call Center portfolio lending by over $200,000,000 annually
- Mentored new Loan Agents
- 2015 Presidents Circle Award Winner
Mortgage Loan Officer
E-LOAN
Pleasanton, CA
11.2001 - 02.2011
- Originated refinance, home equity and purchase loans
- Top producer on our Zip Realty partnership which built Realtor relationships and marketing sales agreements
- Proficient in operations, underwriting and compliance
- Gained knowledge of warehouse line lending and secondary pricing
Education
Bachelor of Science - Business Administration And Management
Chico State University
Chico, CA04.2001
Skills
- Meeting Sales Goals
- Performance Evaluations
- Strong Communication and Interpersonal Skills
- Recruiting
- Budget Preparation
- Cross Selling
- Proficient In All Microsoft Products, Multiple LOS Systems, Servicing, Marketing, Blend and Tableau
- Wholesale Modeling Experience
Timeline
Manager, Internal Home Loan Consultants
Patelco Credit Union
07.2022 - Current
Director, Retail Sales
Fremont Bank
11.2015 - 01.2022
Mortgage Loan Agent
Fremont Bank
03.2011 - 11.2015
Mortgage Loan Officer
E-LOAN
11.2001 - 02.2011
Bachelor of Science - Business Administration And Management
Chico State University
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