Summary
Overview
Work History
Education
Skills
Timeline
MY TIME
Generic
TODD HOWER

TODD HOWER

Scottsdale,AZ

Summary

Dynamic senior leader with over 20+ years of success in banking and financial services sales leadership. Expertise in driving revenue growth, expanding market share, and enhancing client retention while ensuring compliance with risk and regulatory standards. Proven ability to lead large teams through digital transformation, forge fintech partnerships, and implement customer-first strategies that yield measurable business outcomes. Recognized for strategic vision, operational excellence, and the development of high-performing sales organizations that consistently exceed targets.

Overview

23
23
years of professional experience

Work History

Purchase Production Leader

loanDepot
09.2024 - Current
  • Build out national purchase mortgage teams to support strategic expansion and operational scalability in Arizona
  • Worked side by side with senior leadership to align our sales game play with the company's big-picture goals as we ramp up quickly to gain our market share and company position.
  • Developed and implemented sales strategies to achieve or exceed sales goals
  • Developed strategic solutions, resolving complex operational challenges effectively
  • Led cross-functional teams to identify areas of improvement within the production line, affiliate partners, and implement necessary changes.

Director of Sales

PenFed Credit Union
03.2022 - 07.2024
  • Developed and launched a new 'Leads Channel' through partnerships with lead aggregators, driving substantial growth in customer acquisition and market penetration.
  • Introduced smarter use of CRM tools and sales automation, making it easier for my team to track prospects, shorten the sales cycle 3-5 days, and close more deals with confidence.
  • Created a coaching and career development program that turned sales reps into confident, high-performers with a clear game plan for success, while strengthening culture and rallying the team around what we're building together.
  • Spearheaded collaboration with partners to develop sales dashboards for employees to senior leaders
  • Enhanced sales processes, achieving measurable operational efficiency
  • Managed and motivated sales team to increase fee revenue by 15% in 2025.


Vice President

MUFG Americas
07.2020 - 03.2022
  • Led call center mortgage sales team, boosting loan origination through strategic sales initiatives
  • Optimized budget management and resource planning, ensuring cost efficiency and maximum ROI/conversion 2 fund
  • Oversaw lead generations specialist to efficiently capture higher conversion for sales teams
  • Implemented process improvements, reducing underwriting times by 10%
  • Executed plans aligning with organizational goals, enhancing market competitiveness
  • Collaborated with executives on key initiatives, ensuring strategic alignment


Regional Vice President

Freedom Mortgage
06.2015 - 03.2019
  • Directed daily call center operations to optimize loan origination processes, resulting in measurable improvements in team productivity and performance.
  • Mentored and developed a high-performing sales team, fostering a culture of excellence that resulted in marked gains in overall productivity
  • Cultivated a positive team environment, encouraging open communication and collaboration among Sales Leaders and Mortgage Loan Officers


National Call Center Mortgage Leader

State Farm Bank
09.2016 - 09.2018
  • Oversaw the development of a national mortgage call center, as well as a conduit to the State Farm Insurance agent mortgage needs
  • Developed sales dashboard reporting to manage daily activities, metrics, and goals
  • Designed innovative marketing strategies that elevated inbound call volume
  • Hire, Train, and Coach all levels
  • Build partnership collaborations between all departments and cross sale opportunities


E-Commerce Mortgage Sales Leader

Chase
01.2003 - 01.2014
  • Expanded the Internet-to-E-Commerce mortgage sales platform to incorporate lead aggregation, streamlining customer acquisition and enhancing sales funnel efficiency
  • Led 30+ sales agents to exceed sales targets, boosting revenue and market position.
  • Streamlined lead management, improving conversion rates and market share.
  • Spearheaded digital transformation in mortgage application processes through e-commerce strategies, boosting customer adoption and satisfaction

Education

MBA - Global Business Management

University of Phoenix
Scottsdale, AZ
06.2001

Skills

  • Emotional Intelligence
  • Leadership
  • Change Management
  • Strategic Forecasting
  • Decision Making
  • 5S methodology

Timeline

Purchase Production Leader

loanDepot
09.2024 - Current

Director of Sales

PenFed Credit Union
03.2022 - 07.2024

Vice President

MUFG Americas
07.2020 - 03.2022

National Call Center Mortgage Leader

State Farm Bank
09.2016 - 09.2018

Regional Vice President

Freedom Mortgage
06.2015 - 03.2019

E-Commerce Mortgage Sales Leader

Chase
01.2003 - 01.2014

MBA - Global Business Management

University of Phoenix

MY TIME

  • A: Strategic Planning
  • B: Communication
  • C: Financial Management
  • D: Performance Monitoring
  • E: Networking
  • F: Team Leadership

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