Sr. Loan Officer

DAVID HOWES

SALES LEADER REAL ESTATE CONSULTANT MORTGAGE BANKER

Plano, TX 657-***-**** *****.********@*****.*** PROFILE SUMMARY

Award-winning sales leader and mortgage and real estate expert with 15+ years of success driving revenue growth, investment advisory, and loan production across competitive markets. Consistently ranked among top originators, securing $7M+ in monthly volume and closing over $5.3M in locked loans while maintaining industry-best lead-to-submission ratios. Recognized for delivering over 1,100 expert answers on Quora, demonstrating exceptional real estate knowledge and building national-level thought leadership. Specializes in residential lending strategies, purchase and refinance transactions, and real estate consulting for former clients and investors. Combines deep regulatory knowledge, CRM optimization, and team mentorship with a client-first approach that strengthens retention, boosts referral flow, and drives sustained growth. AREAS OF EXPERTISE

Real Estate Sales Mortgage Lending Loan Origination Buyer Representation Seller Representation Client Relationship Management Real Estate Market Analysis Loan Prequalification Strategic Sales Planning Property Valuation Credit Analysis Real Estate Negotiation Closing Coordination Contract Management CRM Software (Salesforce, HubSpot) Real Estate Compliance Business Development Pipeline Management Purchase & Refinance Transactions Financial Needs Assessment SIGNATURE ACHIEVEMENTS

• Ranked #1 in monthly performance among 28 loan officers by originating $7M+ in pre-processing volume and securing $5.9M in locked loans with a 3.3:1 lead-to-submission ratio.

• Converted 135 leads into 27 processing-stage loans in a single month, maintaining a 5.0 leads-per-loan efficiency while reducing cycle time across all funded applications.

• Generated 20+ loan submissions monthly on average, resulting in a consistent top-3 ranking in submission volume, contributing directly to over $6.9M in monthly loan production.

• Delivered 1,100+ detailed real estate answers on Quora, showcasing deep mortgage and housing expertise, and offering high- value insights rarely shared by industry peers.

• Closed multiple consecutive months as a top producer among 28 colleagues, driving superior lock ratios of 5 to 11 and averaging

$4.9M in monthly funded deals from active pipelines. PROFESSIONAL EXPERIENCES

Champions Funding – Frisco, TX 2025 – Present

Account Executive

• Build and strengthen partnerships with mortgage brokers and loan officers by providing tailored non-QM mortgage solutions, leveraging product knowledge, relationship management, and strategic account development.

• Support the full loan lifecycle by assisting partners with scenario structuring, documentation review, and pipeline coordination through underwriting and funding to ensure operational efficiency and loan quality.

• Demonstrate market and program expertise to help brokers navigate complex borrower income, credit, and qualification profiles, ensuring compliance with lending guidelines and risk assessment standards.

• Maintain high responsiveness and consultative communication to enhance broker satisfaction, improve client retention, and generate consistent referral-based business growth.

• Contribute to sales growth by identifying new account opportunities, conducting product presentations, and driving wholesale channel expansion across assigned territories.

• Utilize CRM systems and workflow tools to manage active broker relationships, monitor production trends, and track deal progress from submission to closing.

Barrett Financial Group – Glendale, AZ 2024 – 2025 Senior Mortgage Banker

• Contribute to operational and compliance-related initiatives while maintaining licensure and staying current with lending guidelines in preparation for a return to origination.

• Maintained active licensure while contributing to internal operations, compliance training, and readiness efforts in anticipation of a return to origination activities.

• Stayed current on evolving mortgage regulations, company workflow systems, and CRM platform updates to ensure smooth reintegration into full production responsibilities.

• Participated in team discussions, industry webinars, and compliance reviews to support alignment with current borrower engagement standards and regulatory protocols.

• Developed and maintained communication with industry professionals, including appraisers, title companies, and real estate agents, to preserve referral networks during this transitional phase. American Direct Lender – Laguna Hills, CA 2022 – 2024 Senior Loan Officer

• Collaborated with processing and operations teams to streamline document collection and borrower communications, improving processing readiness and internal communication.

• Oversaw and assisted with the management of a multi-million-dollar branch pipeline in a support capacity, helping maintain processing timelines and contributing to client satisfaction.

• Supported internal training and compliance efforts while ensuring adherence to lending policies, system protocols, and borrower documentation best practices.

• Provided operational insight on pipeline logistics and documentation workflows, contributing to smoother handoffs between origination, underwriting, and funding departments. Ladera Lending – Lake Forest, CA 2021 – 2022

Senior Loan Officer

• Achieved $4.2M in loan production in December 2022 by surpassing 82 of 84 peers through customized loan structuring, affordability analysis, and interest rate lock strategies tailored to diverse borrower and investment profiles.

• Maintained 100% compliance during simultaneous processing of multiple active files by leveraging AUS, Salesforce, eSign platforms, and remote closing tools, while mentoring junior staff on income verification, credit review, and asset documentation.

• Maximized funded loan volume through client education, closing cost explanation, and performance monitoring strategies that improved customer success outcomes and enhanced overall borrower experience. Lenox Financial – Santa Ana, CA 2019 – 2020

Mortgage Advisor

• Earned “Top Originator” recognition for seven consecutive months by managing refinance and purchase transactions from pre- qualification through closing, while guiding borrowers on fixed and adjustable-rate mortgage options.

• Ranked in the top four producers monthly by maintaining a high-performing pipeline through accurate loan application reviews, timely mortgage rate locking, and efficient loan-to-value ratio assessments.

• Lowered loan processing delays by ensuring Anti-Money Laundering compliance and delivering accurate affordability analysis throughout the full lifecycle of conventional and government-backed loan products. Forefront Capital – Costa Mesa, CA 2006 – 2019

Owner / Broker

• Amplified maximum property closings by leading contract negotiation, property valuation, and mortgage coordination while providing tailored advising based on local market trends and client financial objectives.

• Raised in successful investment transactions by aligning real estate finance expertise with risk management, legal documentation review, and personalized property budgeting consultations.

• Garnered agent productivity and client satisfaction by recruiting, training, and mentoring a high-performing sales team while overseeing daily office operations and performance tracking. HavaVacation.com – Costa Mesa, CA 2006 – 2019

Owner / Property Manager

• Launched and scaled a profitable short-term rental property management business, generating high occupancy rates through direct booking strategies before mainstream search engine optimization tools existed.

• Self-developed digital marketing systems and automated guest communications to maximize rental income and streamline operations across a portfolio of vacation properties.

• Operated two companies by applying strategic calendar management and pricing analysis to achieve sustained revenue growth in both mortgage and hospitality sectors.

EDUCATION & LICENSURE

Associate Degree Palomar Junior College, San Marcos, CA California Bureau of Real Estate (BRE) – Licensed

NMLS Licensed Mortgage Loan Originator

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