Customer Service Retail Sales

BETTY J. GIBSON

Greensboro, NC ***** · 336-***-**** · ***********@*****.***

NMLS #98403 Licensed in NC, SC, VA, MD, FL, TN

PROFESSIONAL SUMMARY

Senior mortgage executive with 20+ years of leadership across retail, correspondent, and wholesale lending. Proven success in underwriting, credit risk, and regulatory compliance. Expert in building profitable mortgage operations, streamlining workflows, and leading multi-branch teams to achieve growth and efficiency. FHA DE Underwriter and VA SAR/LAAP certified.

CORE SKILLS & CERTIFICATIONS

Loan Officer Sales Staff

FHA DE Underwriter CHUMS# BD44

VA SAR/LAAP Underwriter ID# 012063

Mortgage Retail Sales, Operations & Risk Management

Staff Leadership, Training & Team Development

Customer Service

Pipeline Management & Process Optimization

Compliance & Regulatory Oversight

HMDA Audits

Encompass MS Excel, Word, Outlook

Collections & Loss Mitigation

Payroll & Budget Oversight

OCC Audits Mortgage Division

PROFESSIONAL EXPERIENCE

Sales & Operations Executive – Multiple Mortgage Lenders

Various Locations 2022 – 2025

Companies: EMM Loans LLC · Primary Residential Mortgage · Alcova Mortgage · Cross Country Mortgage

Recruited, coached, and led loan officers and branch managers across seven (7) states.

Oversaw regional branch performance, compliance, and P&L metrics.

Developed recruiting strategies and trained teams to meet production targets.

Assisted in structuring loans before submitting for processing

Ensured compliance with state/federal lending regulations

Regional Director / Producing Branch Manager

Universal Mortgage Finance Greensboro, NC 2021 – 2022

Managed daily operations for multiple branches and loan origination teams.

Led performance improvement, customer service, and profitability initiatives.

Reviewed and approved loan applications in compliance with lending policies.

President / Director of Mortgage Lending

Blue Ridge Bank, NA Greensboro, NC 2006 – 2020

Built and led a successful correspondent/wholesale & retail division from the ground up.

Directed product development, processing, underwriting, secondary market, payroll, and compliance.

Achieved investor approvals with Fannie Mae, Freddie Mac, and Ginnie Mae.

Reduced loan delivery times from 30+ to <15 days; improved productivity 25%+.

EDUCATION

High School Diploma – Ben L. Smith High School, Greensboro, NC

Additional studies at Guilford Technical Community College (GTCC)

Contact this candidate