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Click here or scroll down to respond to this candidate Candidate's Name
PHONE NUMBER AVAILABLE
EMAIL AVAILABLE
www.kenyonmichael.com
Summary
Driven Mortgage Loan Officer with more than seven years experience in representing a mortgage corporation in
originating residential real estate mortgage loans, second liens and home equity credit lines. Monitor loan life cycle
meticulously from origination through post-closing. Evaluate loan applications, pre-approve customers for their applied
mortgage, and review credit history to determine loan risk. Oversee the timely completion of required loan elements from
interior company departments and external third party vendors. Help borrowers determine the best loan product for their
budgetary needs, provide expert consultation and aggressively sell mortgage products. Adept at working in fast paced
environments and employing strong organizational skills with attention to detail. Incorporated a comprehensive social
media platform, including a weekly mortgage blog, Facebook, Twitter, and LinkedIn profiles for the purpose of retaining,
expanding and educating past and potential clients and the general public. Demonstrated additional skills in:
Analytical and problem solving Strategic planning
Financial management Process improvement implementation
Risk assessment and prevention Customer service
Conflict management Strong communication
Professional Experience
Senior Loan Officer
Intercoastal Mortgage Company (IMC), Fairfax, VA
March 2007 - Present
Collaboratively produced over $300 million in residential mortgage loans through effective networking
and marketing strategies
Collectively managed a monthly pipeline upwards of $12 million in residential mortgage loans
Demonstrate sales ability and skill in marketing products to the real estate community with experience
as a commissioned producer
Quantifiable/documented growth in unit and dollar volume year over year:
2008 - 10 units closed; $2,754,591 total dollar volume; 9 purchases, 1 refinance
2009 - 26 units closed; $8,048,360 total dollar volume; 16 purchases, 10 refinances
2010 - 32 units closed; $9,780,893 total dollar volume; 15 purchases, 17 refinances
2011 - 33 units closed; $11,983,784 total dollar volume; 21 purchases, 12 refinances
2012 - 74 units closed; $24,078,827 total dollar volume; 44 purchases, 30 refinances
2013 - 49 units closed; $16,316,711 total dollar volume; 30 purchases, 19 refinances
All business organically produced (no leads or company provided book of business)
Originate, process, underwrite, and fund loans with a life cycle ranging from 8 days to over 180 days
Chosen from a group of 30 loan officers to represent IMC at a realty company due to demonstrated
production, leadership skills, effective management of quality control processes, and continuously
maintaining a multimillion dollar pipeline
Successfully negotiate interest rates with clientele in a highly competitive mortgage marketplace,
proving to be an income generating asset to the company
Achieve and maintain a high borrower approval rating for providing unparalleled customer service; one
of the highest scores in the company
Consistently meet frequently altering Fannie Mae, Freddie Mac, HUD, investor guidelines, and
automated underwriting findings
Increase company revenue by marketing and conducting mortgage seminars for previous and first time
home buyers and real estate investors
Prepare and conduct credit repair seminars for potential borrowers coming out of short sales,
foreclosures, bankruptcies, and recently released from liens and judgments to position attendee for a
future transaction, sometimes several years in the future
Analyze and assess each loan applicants' credit report and apply that information to current loan
guidelines
Through credit analysis, determine the borrowers' ability to repay and qualify for their applied mortgage
Evaluate, explain, educate, recommend and repair client credit reports so borrowers can qualify for their
applied mortgage
Successfully liaised with IT specialists during the implementation from LoanQuest to Encompass;
effectively communicate with IT for process improvements
Originate first and second mortgage loans by establishing successful relationships with third parties such
as realtors, builders, financial professionals, and the general public
Extensive knowledge of company products including, but not limited to Conforming, High-Balance
Conforming, Non-Conforming, FNMA, FHLMC, FHA, VA, Jumbo FHA, and Jumbo VA fixed and
ARM loan products
Review income tax returns for individuals and corporations; offer suggestions for tax planning and study
tax laws for potential savings
Create and execute an innovative, detailed business and marketing plan
Maintain a weekly mortgage blog that informs readers of changes in mortgage polices, trends in rates,
global economy, and more
Assistant Branch Manager
Washington First Bank, Reston, VA
December 2006 - March 2007
Achieved sales goals by effectively promoting products and services
Administered banking operations for the in-store branch
Identified opportunities for cross-selling of value-added bank products and services
Assistant Studio Director
KBDI PBS Channel 12, Denver, CO
July 2005 - May 2006
Established client relationships and expanded customer service skills
Liaised with local community leaders, guests, and station management
Intern
U.S. Senator Wayne Allard, Loveland, CO
January 2004 - May 2004
Prepared and authored outgoing Congressional correspondence to local community leaders and
constituents
Collected and processed constituent casework claims on all government matters
Professional Licenses
Nationally licensed mortgage loan originator
Maryland, Virginia, and Washington, DC licensed mortgage loan originator
Computer/Technical Skills
Extensive knowledge of Microsoft Office Suites, including but not limited to Outlook, Excel, Word,
PowerPoint, etc.; Desktop Underwriter and Loan Prospector automated underwriting systems; Mercury
appraisal ordering platform; LoanQuest and Encompass loan origination platforms
Education
Bachelor of Arts with a double major in Speech Communication and Political Science
December 2004
University of Northern Colorado, Greeley, CO |
