Patrick Kelly

Experience

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  Wachovia Mortgage Corp.

  Aug 1999 - Sept 2005

  Retail Lending Supervisor

  Originated, facilitated, and executed FHA, VA, and Conventional mortgage loan applications; communicated directly with clients to ascertain needs and recommend appropriate mortgage products and solutions to achieve goals. Approved and declined applications in accordance with underwriting Guidelines. Responsible for the bank’s CRA lending initiatives. Coordinated and led home ownership education and counseling seminars with the aid of power point presentations. Trained and educated real estate agents and business partners regarding new loan programs, guidelines and procedures. Consistently ensured efficiently and timely execution of loan applications through open and ongoing communications with underwriters, processors, and closing agents. Show less

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  Landmark Capital Mortgage

  Aug 2005 - Sept 2010

  Vice President- Operations Manager

  Orchestrated and directed daily operations for branch office of mortgage loan sales company; spearheaded underwriting, processing and credit analysis activities. Held regular proactive performance discussions with Loan Officers regarding production goals. Assessed applicants’ credit profiles and financial statements to identify credit worthiness for both residential and commercial mortgages. Analyzed applications for thoroughness and accuracy prior to underwriting. Communicated with clients regarding credit concerns. Recruited, trained, and motivated staff.. Supervised meetings with investors and financial institutions. Oversaw corporate budget; and advertising initiatives. Show less

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  Wells Fargo Home Mortgage

  Sept 2010 - Mar 2014

  Sales Manager

  Recruited, managed, coached and motivated Home Mortgage Consultants (HMC) to meet purchase production goals while generating quality loan applications. Ensured team compliance with S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Demonstrated and developed marketing plans to grow market share. Developed and maintained effective relationship with builders, realtors and various referral partners. Maintained niche market experience with down payment assistance, bond program and CRA lending. Demonstrated a high level of verbal and written communication skills with the ability to explain mortgage programs, loan terms, rates and points to customers and business partners. Monitored and reviewed Mortgage Consultant’s pipeline to establish monthly production goals. Collaborated with support team to ensure quality customer service, loan quality and timely closing of mortgage loans. Compiled and directed the performance evaluation process for Home Mortgage Consultants. Compiled and conducted weekly sales meeting with and accompany HMC’s on outside sales calls. Responsible for the branch operations in the absence of the branch manager. Show less

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  Residential Mortgage Services, Inc. -- NMLS#1760

  Mar 2014 - Apr 2015

  Sales Manager

  Recruited, hired, and motivated Loan Officer regarding the entire mortgage process, while generating quality mortgage applications. Developed and executed overall market strategy to increase retail volume, market share and profitability. Responsible for communication and implementation of company policies, procedures and general directions. Developed and maintained a solid working relationship with referral partners. Responsible for personal production volume above branch expectations. Promoted the RMS brand within assigned geographical areas with the aid of power point presentations, homebuyers seminars, fliers and regular meetings with various boards and non-profit organizations. Coordinated with Branch Manager to ensure the branch is maximizing retail production while maintaining efficient and accurate daily operations. Maintained an up-to-date working knowledge of FNMA and FHLMC guidelines and regulations. Show less

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  Homestead Funding Corp.

  Aug 2015 - Aug 2016

  Area Sales Manager

  Developed and execute strategic plans to grow market share and recruit purchase producers to meet purchase production goals while generating quality loan applications. Ensured team compliance with S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Developed business relationships with local Realtors, Attorneys and CPAs. Originate FHA, VA, Conventional and Bond programs. Educated customers on mortgage programs, processing and underwriting guidelines. Maintained niche market experience with down payment assistance, bond program and CRA lending. Demonstrated a high level of verbal and written communication skills with the ability to explain mortgage programs, loan terms, rates and points to customers and business partners. Monitor and review Loan Officer's pipeline to establish monthly production goals. Collaborated with support team to ensure quality customer service, loan quality and timely closing of mortgage loans. Compiled and directed the performance evaluation process for Loan Officers. Responsible for personal production goals. Show less

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  Carrington Mortgage Services-NMLS # 1538439

  Aug 2016 - Feb 2019

  Area Branch Manager

  Responsible for recruiting and developing the sales skills of a team of Mortgage Loan Officers Manage the loan process according to current legal and company guidelines and applicable federal state and local regulations.Maintain an in depth knowledge of various mortgage products, including but not limited to FHA, VA, USDA and Conventional products in order to provide the highest level of service for the clients.Collaborate with support team to ensure quality customer service, loan quality and timely closing of mortgage loans. Compile and direct the performance evaluation process for Mortgage Loan Officers. Collaborate with support team to ensure quality customer service, loan quality and timely closing of mortgage loans. Establish and maintain strong relationships with realtors, builders, non-profit organizations and other referral partners. Educate and inform clients and referral partners regarding loan status, rates and product updates.Follow up with prospective clients regarding document review, credit analysis and further research as required. Show less

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  Total Mortgage Services, LLC

  Feb 2019 - now

  Division Manager