richard caldwell

retail branch manager

About

Career Profile: Bachelor of Business Administration with a Finance Major Master of Business, Finance General Studies Over 25 years of successful financial service experience Award winner for outstanding performance in revenue generation Expertise in all facets of sales and marketing. Career built in highly competitive business environment Strong experience in lending and credit operations Accomplished leader Comprehensive understanding of business and operations management Expertise in all facets of effective marketing plan development and implementation Leader and developer of highly efficient staffs Extensive background in client relations and account management Notable presenter, facilitator and speaker

Country

united states

City

harlingen

Industry

financial services

Skill

mortgage lending, loans, fha, credit, real estate, loan origination, banking, first time home buyers, sales, finance, customer service, credit analysis, underwriting, consumer lending, sales management, negotiation, refinance, portfolio management, team building, residential mortgages, commercial lending, construction loans, home equity loans, mortgage banking, strategic planning, new business development, fha financing, va loans, mortgage underwriting, mortgage, va, operations management, analysis, marketing strategy, product marketing, customer relations, advertising, residential, accounting, retail banking, contract negotiation, credit risk, budgeting, small business lending, excel, word, servicing, purchase, problem solving, microsoft office

Experience

president

caldwell mortgage group

1996-1 - Present · 30 yrs 9 mos

operations supervisor

kleberg bank

1993-1 - 1996-4 · 3 yrs 4 mos

Supervised Mobile Bank Staff and Commercial Tellers for Bank. Respsonsbility include audit of all Vault, and teller drawers along with bank Regulations.

senior mortgage banker

cobalt mortgage

2013-8 - 2014-10 · 1 yr 3 mos

branch manager

stonegate mortgage corporation (nyse: sgm)

2014-11 - 2015-6 · 8 mos

* Residential Home Lending, Credit Analysis, Mortgage Planning * Exceptional experience in providing optimal customer services for mortgage lending and sales Wide knowledge of all governmental guidelines for mortgage process * Sound knowledge of closing procedures and underwriting * Wide knowledge of FHA, VA, FNMA, and FHLMC guidelines * Immense knowledge of sales and marketing of consumer products * Proficient with Microsoft Windows, Excel, Word, and Outlook * Ability to analyze complex financial data to provide alternatives * Recruit Mortgage Loan officers to originate loans * Train all Mortgage Loan Officers

vice president and mortgage banker

bank of texas

2012-1 - 2013-7 · 1 yr 7 mos

* Residential Home Lending, Credit Analysis, Mortgage Planning. * Work closely with referral partners to generate business growth and acheive and exceed goals. * Speciality in New Construction, FHA, VA, Conventional Lending * Financial Statment analysis * Million dollar producer

vice president and mortgage officer

bank of america

2009-11 - 2012-1 · 2 yrs 3 mos

* Residential Home Loans, FHA, VA, Conventional. Credit analysis,Marketing. * Establish postive relationships with referral partners and business development * million dollar producer.

president

mariners mortgage

2003-1 - 2008-12 · 6 yrs

* Started-up and operated statewide residential and commercial mortgage brokeage venture. * coordiante with multipule banks and lending guidelines. * Direct and Supervise Team of Loan Officers while also managed internal operations staff * Continous business development with referal sources( Realtors, Brokers, CPAs and Financial Advisors) * Active member in Chamber of Commerce to promote buiness as well as others

branch sales manager and district training manager

hsbc

1996-4 - 2003-1 · 6 yrs 10 mos

* Initally hired as a cosumer loan officer/collector and acheved succesive promotions within first 2 yrs to Branch Manager of large Texas office. * Launched new branch in New Braunfels, Texas market and promoted to larger office within 6 months. * Drove San Antonio office to 10MM in A/R. * Directed/Supervised office overseeing consumer lending, real estate lending, collections. * Orchestrated effective branch marketing efforts * Developed and controlled branch budget * Designated to National Six Sigma Team for HSBC * Won Several Top Honors as manager

retail branch manager

planet home lending, llc

2018-8 - Present · 8 yrs 2 mos

branch manager

crosscountry mortgage, inc.

2015-6 - 2016-1 · 8 mos

* Manages the branch staff in all aspects of the loan origination process from origination to closing. * Solicits new business through contacts with realtors, builders and customer referrals within the branch’s geographical area. * Recruit retail loan originators for the sales team. Identify candidates well suited to represent the branch with potential to grow market share. Develop and mentor staff to increase productivity. * Establishes and controls branch budget and production and income goals within the company’s guidelines. * Stays informed on trends and developments in the local real estate market, as well as changing rules and regulations pertaining to both conventional and government-insured mortgages