Teresa Srmack Brinkman

• - Founded and scaled OwnEZ, driving expansion into 11 markets and growing assets to $60M+.
• - On track to deliver $30M+ in yearly loan origination through innovative underwriting and referral strategies.
• - Managed all compliance licensing and regulatory adherence across federal and state levels.
• - Strengthened loan performance, reducing defaults through data analytics and proactive portfolio oversight.
• - Co-developed a proprietary underwriting algorithm, boosting speed and precision in risk assessments.
• - Cultivated B2B relationships with real estate agents, building a reliable referral network and increasing origination funnel.
• - Led brand development and recognition campaigns, increasing visibility and establishing market leadership.
• - Built and led high-performing teams across origination, underwriting, and compliance functions.
• - Implemented process improvements to reduce cycle times and ensure operational scalability.

• - Streamlined loan origination process, improving approval times and client satisfaction.
• - Integrated market feedback to refine product offerings and increase profitability.
• - Collaborated across teams to enhance workflow coordination and operational efficiency.

- Resolved complex FHA loan challenges, while answering 60-75 calls per day.

• - Completed advanced FHA underwriting certification and training.
• Maintained up-to-date knowledge of industry regulations and compliance standards, ensuring accurate and legally compliant lending practices.

• - Guided clients through mortgage options, improving conversion and referral rates.
• - Partnered closely with realtors to expand client base and market presence.
• - Made 100 -125 cold calls per day looking for new business
• Explained different types of loans pertaining to client situations.

• - Educated borrowers on mortgage program options and oversaw seamless loan processing.
• - Supported underwriting and processing teams to streamline closing timeline.

• - Managed loan applications and optimized turnaround and customer satisfaction.
• - Enhanced communication strategy to improve loan experience and retention.
• - Explained different types of loans pertaining to client situations.
• - Structured loans creatively to address unique borrower situations and maximize approval chances without compromising compliance standards.
• - Developed strong relationships with real estate agents, increasing referral business and expanding client base.

• - Ensured compliance and reduced underwriting defects through diligent oversight.
• - Contributed to a 12% increase in client satisfaction via process enhancements.
• Made approval and denial recommendations by determining accurate risk levels.
• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.

• - Led highest-producing branch out of 27 for three years.
• - Managed a team of 20—loan officers and processors—exceeding sales and profitability targets.
• - Established a high-performance culture within the team by setting clear expectations and providing regular feedback on individual performance contributions.
• Fostered strong relationships with key clients, leading to repeat business and a significant increase in customer satisfaction ratings.