Financial Analyst

Kevin Spencer

OBJECTIVE:

A highly experienced Mortgage Banking Professional who has demonstrated an ability to

lead diverse teams of professionals to new levels of success in this highly competitive

industry, cutting edge markets and fast-paced environments. Strong technical and business qualifications with an impressive track record of more than 10 years experience in sales, marketing, strategic planning, business unit development and pipeline management. Proven ability to successfully analyze an organization's critical business requirements, identify deficiencies and potential opportunities, and develop innovative and cost-effective solutions for enhancing competitiveness, increasing revenues, and improving customer service relations.

EXPERIENCE:

Union Bankers Mortgage Group

Dallas, Texas

Consultant / Partner

November 2008 to Present

Our clients rely on us for advice on responding to the current challenges they face and to help them identify market opportunities brought on by turmoil in the marketplace. Our depth of mortgage lending knowledge enables our team to deliver consulting advice that is practical as well as strategic. Our clients look to us for guidance to help them be both proactive and reactive to the market.

UBMG can address a full spectrum of strategic and tactical issues. We can assist on matters ranging from analyzing existing operations to creating new profit centers. A sample of our areas of service includes:

Mortgage loan repurchase demands and appeals

Forensic compliance and credit file reviews

Professional loss mitigation

Forensic fraud reviews

FHA expertise for approvals and responses to audits

Responses to state audits and consumer complaints

Warehouse and due diligence audits and

General operational and cost analysis

Spencer Mortgage and Investments

Dallas, TX

Broker / Gen Manager

January 1998 to October 2008

Operated and managed a medium sized mortgage brokerage. Originated FHA, VA as well as Conventional mortgage loan product. Managed a mortgage pipeline of approx. $3 million per month, closings were averaged at approximately 32% of pipeline per month. Supervised 2 full time and 1 part time mortgage loan officer(s) as well as 2 fulltime mortgage loan processors. Utilized an aggressive in house quality assurance designed and implemented by the company.

August 1996 Weyerhauser Equity Services

Woodland Hills, CA

Wholesale Account Executive

August 1996 to December 1997

Marketed and sold Sub Prime mortgage product to retail mortgage brokerage outlets. Coordinated the delivery of the various mortgage programs, wholesale pricing and addressed specific loan closing situations which needed individual attention. Was responsible for territories which included Texas, Arkansas, New Mexico, Oklahoma and Louisiana.

Pacific Southwest Bank / Pacific American Mortgage Company

Dallas, TX

Wholesale Operations Coordinator

March 1993 to August 1996

Managed the back office staff in an effort the effectively handle the submission and funding of national correspondents loan files. Supervised the quality assurance and flow management of table funded loan and closed loans by tracking the submission, underwriting, funding, audit and customer service setup. Was responsible for a department of 5 fulltime employees.

EDUCATION:

1993 Northlake Community College

Irving, TX

Mortgage Banking Certification Mortgage Banking

1991 Baylor University

Waco, TX

BBA Finance / Marketing

1986 J.F. Kimball High School

Dallas, TX

High School Diploma

PERSONAL:

Hobbies include weight lifting, walking, horse back riding and Community Activities

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