Sales Manager
Resume:
valenkephart@yaho
o.com
Valentine Kephart
Summary of Extensive knowledge of the mortgage environment,
Qualifications with over 18 years covering nearly all aspects of
the loan process from Origination to Underwriting
to Sales and Branch Management. I came into this
industry through managing restaurants/bars and
retail service with Nordstrom's.
Closing loans should not be the only objective, I
take pride in a Nordstrom style of customer
service. Receiving the "Thank you" in the end is
as much of the reward.
Titles Held;
Sales Manager
Branch Manager
Sr. Underwriter
Wholesale Account Executive
Originator
Processor
Proficient knowledge of
Correspondent banking techniques
FNMA, FHLMC and many Investor's Alt and Sub Prime
underwriting guidelines
Handpicked to;
Open processing branch for Chase Manhattan in
Beverly Hills.
Open, hire, train and manage all staff for a
satellite branch of Associated Mortgage Bankers.
Completely versed on any modern computer systems /
software
Automated underwriting, DO/DU, LP, Clues, Assetwise
and nearly all retail processing software as well
as a consulting Beta Tester
Experience Management & Origination Section:
2008 - 2009 Worked for a Staffing Service as an
Underwriter and a couple of local Brokers as a
Consultant.
Please also see Underwriting section below.
2004 - 2008 Carteret Mortgage Corp
Centreville, VA
Originator
2003 - 2004 Weichert Financial
Dulles, VA
Originator
2003 - 2003 NovaStar
Laguna Hills, CA
Wholesale Account Executive . Northern NJ territory
Developed and maintained ongoing relationships.
Managed existing pipeline and encouraged new
business by working with the Broker to best
structure their loans.
Liaison between Broker and operations teams to
better serve the Broker and to ensure their
experiences were positive ones.
2001 - 2003 IndyMac Bank
Pasadena, CA
B2B Sales / Relationship Manager . National
territory
Developed and maintained ongoing relationships with
existing IndyMac Customers.
Trained Brokers in the use of e-Mits to develop a
more profitable relationship for the Broker.
Managed existing pipeline and encouraged new
business by working with the Broker to best
structure their e-Mits loans and enhancing pricing
and/or turning denials into approvals.
1999 - 2001 Interstate Financial
Los Altos, CA
Sales Manager / Originator
Solicit mortgage loans from referral, realtor,
builder and other networking avenues.
Developed and implemented marketing ideas and
materials, developing and maintaining relationships
with customers and increase volume and marketing.
Recruit and retained productive loan originators.
Trained all new and seasoned loan originators on
new products and programs, and conduct sales/staff
meetings.
1997 - 1998 Aatrix Mortgage
Woodinville, WA
Sales and Processing Manager / Originator
Responsible for identifying and acquiring new
business.
Solicit mortgage loans from referral, realtor,
builder and other networking avenues.
Manage the development, implementation and training
of the processing and sales departments.
Involved in providing operational and technical
training, developing training materials and review
of Company goals and objectives.
Developed and implemented marketing ideas and
materials for the retention of repeat customer
relationships.
1996 -1997 Cross Country Lending Santa
Barbara, Ca
Mortgage Originator
Procured fundable loans from, nationwide marketed
leads.
Developed remote position and helped company expand
licensing and branches to the southeast and
volunteered to move to WA state to open a satellite
office.
1993 -1995 Associated Mortgage Bankers
Oxnard, Ca
Regional Sales Manager - Wholesale
Primarily responsible for increasing production
within branch region, and improving Broker
penetration.
Recruit and retained productive loan originators,
trained all new and seasoned loan originators on
new products and programs, and conduct sales/staff
meetings. Ensured sales staff received production
goals. Maintained level of branch profitability
developing goals and objectives designed to meet
and exceed monthly sales objectives. Effectively
implementing sales techniques and ensuring customer
satisfaction. Completing and submitting accurate
and timely daily and weekly reports. Establishing
and managing a defined customer base in order to
ensure growth and profitability.
Developed and maintained markets for branch
product/services
Managed the development, implementation and
training of processing department personnel.
Involved in providing operational and technical
training, developing training materials and review
of department goals and objectives. Set-up and
prepare materials for training of new personnel.
Responsible for the day-to-day operations of the
processing department. Including the implementation
of underwriting and quality control guidelines, and
the delivery of the loan package to underwriting.
1990 -1993 Gunnarson and Assoc. Westlake
Village, Ca
Assistant Sales Manager / Originator
Solicit mortgage loans from referral, realtor,
builder and other networking avenues.
Developed and implemented marketing ideas and
materials. Developed and maintaining
relationships with customers and increased volume
and marketing.
Responsible for identifying and then acquiring new
business. Responsible for acquiring of all
necessary documentation to fund a loan and worked
hand in hand with underwriting to clear up
stipulations.
Responsible for helping to develop company goals
and outlining a course of action in which to reach
them. Responsible for helping to coach and worked
with sales staff to ensure the Company's and
personal Originator's goals are not only met but
exceeded.
Contract Underwriter / Auditor Section:
1993 - 2009 (Intermittent) Various Clients (see
below) LA, SB & SF, CA, NJ & MD
Countrywide Securities, Sr. Underwriter for the Due
Diligence and Fraud division. Reviewed closed
loans to ensure they met stipulations of bulk sale
and individual guidelines. Investigated defaulted
loans for fraud, errors of sale and made
recommendations to the board for their loss.
PMI/RMIC/GE Mortgage Insurance Companies,
Underwrote and provided MI for GMAC, CitiMortgage,
HSBC, Homeside, SunTrust, Chase Manhattan Mtg, Bank
of America, FlagStar. InterFirst and other major
lenders.
Contracted to Norwest, IMCO, Coast Federal Bank and
Larger Correspondent utilizing many major
investors.
First Bank Mortgage,. Underwrote conforming, jumbo
and construction loans. Also responsible for
auditing previously closed loans for due diligence
and responsible for suggesting guidelines to reduce
the Banks risk, reporting directly to the Vice
President and Loan Committee.
Chase Manhattan Mortgage, Initially assigned to the
Woodland Hills branch and then requested to open
the processing center in Beverly Hills.
Contact this candidate