Todd Smith
26900 N 110th PL,AZ
Summary
A combination of specialized training and broad experience provides excellent qualifications as a MANAGER OF MORTGAGE BANKING, SENIOR MANAGER and DIRECTOR OF SALES. A pro-active and assertive sales specialist who welcomes a broad scope of responsibilities and the opportunity to increase sales and profits. Command excellent interpersonal and communications skills. Function effectively in high-pressure situations and rapidly changing environments. Emphasize quality customer service with the ability to meet or exceed client expectations. Company-oriented and customer-focused. Present a superior work ethic and a history of achievement.
Overview
28
28
years of professional experience
Work History
Accredited Mortgage Professional
Fairway Independent Mortgage Corp
12.2017 - Current
- Developed and deepened relationships with clients and self sourced associated professionals such as Real Estate Agents, Builders, B2B HR Affinity, Lead Aggregators, CPA's and Title.
- Expedited closings by collaborating closely with realtors, inspectors, appraisers, title, escrow and internal team of professionals involved in the transaction process.
- Participated in continuous professional development opportunities within the mortgage industry staying abreast of evolving policies and best practices.
- Developed a strong referral network by maintaining excellent relationships with past customers, real estate agents, title and escrow, B2B, CPA mortgage and other industry professionals.
RETAIL LOAN CONSULTANT
Imortgage Dba Loan Depot
01.2017 - 11.2017
- Responsible for managing and building relationships through self sourced realtor partners, builders and business-to-business development
- Manage a Team of PA's, processors, underwriters, vendor relationships and funding in connection with partnerships to ensure service levels and communication throughout the loan process
- Was the first team to convert over to a new proprietary software to test pilot and report feedback
- Built a double digit referral platform within 7 months converting over from a call center role to retail
DIRECTOR OF SALES
Guaranteed Rate
10.2015 - 10.2016
- Oversaw a team of 3 Managers, 89 Mortgage Specialists and Assistant Mortgage Specialists
- Interviewed, hired, trained both managers and sales representatives
- Achieved a NPS Score of 84% (compared with industry average of 39.75%)
- Maintained 80% retention following a merger from Discover Financial
- Received Top Performer Measures and Award Recognition
- Doubled Unit Conversions within12 months
- Built the company's portfolio to $1 billion in funded loans
- Rolled-out call recording technology and scripting.
SENIOR MANAGER
Discover Financial Services
10.2014 - 10.2015
- Directed a sales team of 100+, including 4 Managers for Nationwide Loans, in selling $2 billion in funded loans
- Set up incentives and contests that included weekend vacations, sports games tickets, dinners and Las Vegas trips to motivate the sales team to achieve all goals
- Turned the company profitable from a loss by Discover
- Achieved profit for 7 of 8 months
- Spearheaded the 'Welcome Back Bonus,' a new initiative to retain previous clientele
- Established policies, and set a timeframe for lower costs
- Promoted the program through an e-mail campaign
- After successfully launching the program in the West Coast, the program was then adopted by the Louisville Office for the East Coast Call Center.
SITE MANAGER
Discover Financial Services
10.2013 - 10.2014
- Managed the company's Personal Loan Operations Site
- Opened the Irvine location
- Interviewed, hired, and trained a team of 37 Underwriters, Managers and Team Leads
- Traveled to call centers in IL, UT and AZ to consult with leaders on sales approaches
- Test-ran the new site with experienced professionals versus historical trained up individuals
- Implemented sales training and developed strategies to launch operations across all sites
- Through collaborating work force management, directed a disciplined call center with 89% adherence to availability to meet forecasted demand of calls
- Increased Basis Points by 600%, which resulted in increases of up to 400% at all other sites following the implementation of the new process.
MANAGER - MORTGAGE BANKING
Lendingtree Loans
01.2007 - 10.2013
- Selected by the company President to take over the lowest producing team
- Built staff relations and a new foundation
- Engaged in extensive call monitoring and staff coaching
- Identified each person's positives and negatives
- Set accountability standards, incentives and contests
- Led the team to a #2 ranking companywide (up from #9 ranking)
- Mentored Mortgage Bankers to develop 4 new Managers (the highest development company-wide)
- Converted the proprietary technology from Chloe to SOL
- Worked closely with consultants, IT staff and developers
- Provided feedback to optimize the system to specific company needs.
MANAGER - MORTGAGE BANKING
Home Loan Center
04.2004 - 01.2007
- Built relationships as part of a counterpart management team with the Processing, Underwriting, Funding, Marketing, Secondary and Capital Markets Departments
- Promoted from Mortgage Banker
- Handled loans nationwide
- Ranked in the Top 10% of Producers companywide.
CREDIT MANAGER
Secured Funding
04.2003 - 04.2004
- Originated loans in all 50 states from an inbound call center
- Ranked in Top 10% companywide in Production.
DEPARTMENT MANAGER
Chick's Sporting Goods
05.1996 - 04.2003
- Supervised a staff of 10-15 employees in the Golf, Tennis and Kiosk Departments
- Interviewed, trained and scheduled staff
- Measured performance standards, and set individual employee goals for customer service and sales
- Received promotion from Sales Associate.
Education
Studied - Business Management & Marketing
California State University, San Bernardino
San Bernardino, CASkills
- Windows & Apple/Mac OS, Word, Excel, Outlook, Access, PowerPoint, Photoshop, PageMaker, Encompass, MELLO, ADP, Workday
- Experienced in training, mentoring and motivating staff and developing managers
- Specialize in assessing operations and creating strategies to turn around underperforming teams
- Strong background leading and retaining staff through company mergers
- Effectively lead all stages of proprietary software conversions
- Well-versed in all rules and regulations relating to the mortgage industry
- Combine exemplary presentation skills with strong marketing, sales and closing abilities
- Utilize in-depth industry and product knowledge to build rapport with clients and coordinate the entire loan process
Availability
OPEN TO TRAVEL/RELOCATION
References
Available upon Request
Timeline
Accredited Mortgage Professional
Fairway Independent Mortgage Corp
12.2017 - Current
RETAIL LOAN CONSULTANT
Imortgage Dba Loan Depot
01.2017 - 11.2017
DIRECTOR OF SALES
Guaranteed Rate
10.2015 - 10.2016
SENIOR MANAGER
Discover Financial Services
10.2014 - 10.2015
SITE MANAGER
Discover Financial Services
10.2013 - 10.2014
MANAGER - MORTGAGE BANKING
Lendingtree Loans
01.2007 - 10.2013
MANAGER - MORTGAGE BANKING
Home Loan Center
04.2004 - 01.2007
CREDIT MANAGER
Secured Funding
04.2003 - 04.2004
DEPARTMENT MANAGER
Chick's Sporting Goods
05.1996 - 04.2003
Studied - Business Management & Marketing
California State University, San Bernardino
Similar Profiles
Catushia IenniCatushia Ienni
Loan Officer Assistant /Jr. Processor at Fairway Independent Mortgage CorpLoan Officer Assistant /Jr. Processor at Fairway Independent Mortgage Corp
Deb GaustadDeb Gaustad
Loan Officer at Fairway Independent Mortgage Corp. NMLS#293746Loan Officer at Fairway Independent Mortgage Corp. NMLS#293746
DeAnna McKennaDeAnna McKenna
Senior FHA DE/VA SAR Mortgage Underwriter at Fairway Independent Mortgage Corp.Senior FHA DE/VA SAR Mortgage Underwriter at Fairway Independent Mortgage Corp.