Branch Manager Customer Service

BETTY J. GIBSON

**** ******** ****, **********, ** 27405 / Cell 336-***-**** / Email:aduedg@r.postjobfree.com

Professional Summary

Enthusiastic and ambitious mortgage executive with substantial proven results in all aspects of retail, correspondent, and wholesale mortgage operations and origination. Significant results include profitable product development; credit risk management that ensured loan quality, reduced delinquencies and mitigated losses; improved operational efficiencies that increased productivity and cost controls that strengthened the bottom line. Through hands-on quality control and audit management, ensured regulatory compliance in all areas while also meeting company, investor and secondary market requirements. By developing and leading teams that understand the value of hard work and the impact to the business of every decision, ensured the success of the team, the department and the organization.

Qualification Highlights

Trained Operations staff, Sales staff and clients

By developing risk-based mortgage programs, underwriting policies and pricing, ensured meeting the company’s objectives for quality growth, product mix, risk and profitability in all market types.

Obtained Seller/Servicer approval with Fannie Mae and Freddie Mac

Obtained Ginnie Mae approval.

Improved profitability by reducing loan delivery from over 30 days from date of funding to less than fifteen days by cross-training staff and streamlining processes. Contributed to 10% overall cost reduction.

Led changes to Underwriting processes that ensured compliance with loan policy, improved credit risk management and at the same time increased productivity by 25% without loss of quality.

Improved productivity of Post-Closing and Document Management areas by over 25% while also attaining over 5% reduction in staffing levels with no loss of quality. This included Funding, Pre / Post Closing Audit, Document Imaging and Control and File Management.

Through daily/weekly contact with the Sales Teams, Business Partners and Clients, ensuring that Inside Teams developed and delivered the products, service and communication that the Outside Sales Teams and Clients needed for success.

EXPERIENCE

2022 – 2022 Vice President Recruiter/Non-producing Branch Manager, Cross Country Mortgage, LLC

Responsible for recruiting for North Carolina, South Carolina, Virginia, Georgia, Florida, Tennessee & Maryland. Monitor expense and profit performance. Directing, coaching, managing and developing branch managers. Ensure branches achieve success through branch manager coaching and leadership. Carry out overall recruiting strategy. Identify and resolve challenges in a timely manner by gathering and analyzing information, in order to make sound decisions.

2021 - 2022 Regional Director/Branch Manager, Universal Mortgage & Finance

Responsible for overall performance of branches to include managing the Greensboro branch. Monitor expense and profit performance. Directing, coaching, managing and developing branch managers. Ensure branches achieve success through branch manager coaching and leadership. Carry out overall recruiting strategy. Identify and resolve challenges in a timely manner by gathering and analyzing information, in order to make sound decisions.

2006-2020 President/Director of Mortgage Lending, Blue Ridge Bank, N.A. f/k/a River Community Bank

Opened a new correspondent/wholesale division and took control of the retail production and operations. Responsible for product development, all hiring, underwriting, secondary market, accounting for the mortgage division and establishing policies and procedures for this division of the bank. Startup responsibilities included getting set up with all investors, developing, maintaining and establishing growth in a broker and retail base environment enabling high production, while still maintaining profitability.

Skills:

Leadership

Problem Resolution

Exceptional Customer Service

Supervision

Excellent Communication

Microsoft Excel, Word and Outlook

Encompass

Underwriting experience in Conventional, FHA, VA loans.

Proficient in Loss Mitigation, maintaining the negative impact of foreclosure/loss to a minimum.

FHA DE designated Underwriter – Chums# BD44

Veteran Administration (VA) LAAP/SAR designated Underwriter # 012063

NMLS# 98403 – License - North Carolina, South Carolina, Virginia, Maryland, Florida, and Tennessee

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