David Thomas Warter

ad0sfw@r.postjobfree.com • 831-***-****

LinkedIn • Los Gatos, CA

Mortgage Advisor

Experienced finance professional with a proven track record of success in securing financing for diverse businesses. Proficient in evaluating financial statements, conducting risk assessments, and tailoring loan solutions to meet client needs. Demonstrated ability to build and maintain strong client relationships, resulting in consistent business growth and high customer satisfaction. Adept at collaborating with internal teams and external partners to streamline loan processes and ensure optimal outcomes. Seeking opportunities to leverage expertise in helping businesses thrive through strategic financing solutions.

Areas of Expertise

Commercial Financing

Credit Analysis

Loan Origination

Financial Statement Analysis

Regulatory Compliance

Portfolio Management

Relationship Management

Market Knowledge

Team Building & Leadership

Career Experience

Xpert Home Lending, Roseville, CA October 2022 – Present

Mortgage Advisor

Maintain client databases and records for various stakeholders, including direct clients, real estate agents, financial planners, and accountants. Expand the referral partner network to include trust and estate attorneys. Specialize in assisting self-employed clients with real estate financing in collaboration with multiple accountants. Assess borrower qualifications based on income and asset documentation, collecting necessary data for loan underwriting, including tax returns, pay stubs, W2s, and asset information. Leverage lender database to identify optimal loan products. Deliver top-notch customer service while maintaining professional relationships to foster repeat business and referrals.

Develop customized loan strategies by preparing total cost analysis presentations offering four distinct loan options. These presentations are complemented by explanatory videos.

Implemented a new CRM system to engage clients and referral partners through weekly communication via email, direct mail, and telemarketing, resulting in enhanced business growth through existing relationships.

Provident Lending Group, Glendale, CA April 2022 – October 2022

Mortgage Advisor

Developed an expertise in assisting self-employed clients with real estate financing using non-conventional loan products. Developed comprehensive total cost analyses for each client, presenting four distinct loan options to cater to their specific needs. Accompanied these analyses with concise explanatory videos. Evaluated borrower qualifications by scrutinizing income and asset documentation, collating data essential for loan underwriting, such as tax returns, paystubs, W2s, and asset details. Utilized our lender database to identify the most suitable loan products. Delivered exceptional customer service and upheld professional relationships to ensure recurring business and referrals.

Originated and closed $5M in Non-Qualified Mortgage loans in June 2022.

Fairway Independent Mortgage, Campbell, CA October 2021 – April 2022

Mortgage Advisor

Maintained comprehensive client databases and records, encompassing both direct clients and real estate agents. Developed individualized total cost analyses for clients, offering four distinct loan options to cater to their unique requirements. Conducted borrower qualification assessments based on income and asset documentation, assembling the necessary data for loan underwriting, including tax returns, paystubs, W2s, and asset documentation. Utilized our lender database to match clients with optimal loan products.

Achieved 4th place in origination in February 2022 within Fairways' Northern California region.

Expanded the referral partner network to include financial planners and accountants, facilitating business growth by attracting high-net-worth clients.

Specialized in Reverse Mortgage loan products expanding my knowledge base and increasing production.

Cross Country Mortgage, San Jose, CA March 2020 – October 2021

Mortgage Advisor

Engaged a virtual assistant to conduct cold calls and schedule Zoom meetings with Real Estate Agents. Used the CRM Sales Force to Maintain comprehensive client databases and records, encompassing both direct clients and real estate agents. Generated customized total cost analyses for each client, offering four distinct loan options to suit their specific requirements. Evaluated borrower qualifications based on provided income and asset documentation, collecting necessary data for loan underwriting, including tax returns, paystubs, W2s, and asset documentation. Developed effective scripts and conducted Zoom meetings to expand the network and achieve a business growth rate of 100%.

Specialized in FHA and VA loan products expanding my knowledge base and increasing production.

Opes Advisors, Menlo Park, CA December 2017 – March 2020

Mortgage Advisor

Maintained comprehensive client databases and records, covering both direct clients and real estate agents. Evaluated borrower qualifications based on provided income and asset documentation, collected essential data for loan underwriting, including tax returns, paystubs, W2s, and asset documentation. Conducted lender database searches to identify the most suitable loan products for clients.

Specialized in non-owner-occupied lending for 1–4-unit properties, utilizing commercial background and client network featuring extensive real estate portfolios.

Chase Commercial Group, Woodside, CA November 2005 – December 2017

Client Specialist for Commercial Term Lending (CTL)

Primarily tasked with evaluating rent rolls and operating statements for apartment buildings to assess property eligibility. Managed comprehensive client databases and records, encompassing direct clients, mortgage brokers, and real estate agents. Scrutinized application packages for completeness, gathered all necessary documentation, and conducted meticulous assessments of borrower income records, financials, and external agency documents for precision. Aided borrowers in the completion of bank application materials, including leases, real estate schedules, and loan application forms, ensuring the accuracy and completeness of all documents. Collaborated closely with the Senior Loan Consultant to initiate the Letter of Interest, furnish rate and loan program quotations, furnish borrowers with updates on the status of pending loans, and collect loan application fees. Conducted sales outreach to brokers and borrowers under the purview of the Senior Loan Consultant, cultivating new business opportunities.

Functioned as a partner alongside a Senior Loan Consultant, serving as the key intermediary between borrowers and internal business associates.

Attained membership in the Presidents club for successfully funding over $400M in loans during the years 2014, 2015, 2016, and 2017.

Additional Experience

Loan Originator, SunPacific Mortgage, Soquel, CA

Education

Bachelor of Arts in Social Science, Minor in Economics

San Jose State University, San Jose, CA

Associate of Arts in Liberal Arts

Cabrillo College, Aptos, CA

Licenses

California Real Estate License, September 1998. NMLS, November 2017

Contact this candidate