Experience

Hallmark Home Mortgage NMLS#53441

• United States
• Financial Services
• 100 - 200 Employee

• Mortgage Loan Officer

  • May 2012 - Present

  Although I have been in the mortgage business for just two years, I have 25 years of experience as an underwriter for auto lending and 29 years overall of sales and credit experience. In the auto loan industry, I have developed over 30 new markets and managed underwriters and sales people across the country. I hold a degree from Indiana University in labor relations and personnel management. I was born and raised in Indianapolis and have had the opportunity to live in a wide range of cities, including Boise; Kansas City; Philadelphia; Portland, OR and Vancouver, WA. I enjoy hiking, travel, reading, music and spending time with family and friends. I also enjoy business networking, and through the Carmel Dad’s Club, I had the opportunity to coach my daughter’s soccer team. I bring to Hallmark Home Mortgage a philosophy of “customer first, service first.” My goal is to provide my clients with the best rates, excellent communication and outstanding service. Hallmark is a great company with top people and the highest levels of professionalism. With a wide range of products and efficient, streamlined processes, Hallmark does everything possible to help me help my clients.



Fairway Mortgage - Loans By Kelly B

• Financial Services
• 1 - 100 Employee

• Private Mortgage Banker

  • Feb 2010 - Apr 2012

  As the main contact for Clarion Federal Credit Union, I developed relationships with realtors for full residential mortgage services. As the main contact for Clarion Federal Credit Union, I developed relationships with realtors for full residential mortgage services.



CitiFinancial Auto

• Account Manager

  • Aug 2004 - Apr 2008

  Responsible for marketing indirect loan packages, service contract and gap programs to dealers in Portland and surrounding areas. Managed a 20% increase in volume during first full month with the company. After six months increased volume by 75% over summer months. Finished 2006 volume at 113% and Dealer Penetration over 70%. Transferred to Indianapolis, Indiana in February 2007. Currently at 101% of volume, which represents a 26% increase over 2006 volume. Dealer Penetration is at 71%. Responsible for marketing indirect loan packages, service contract and gap programs to dealers in Portland and surrounding areas. Managed a 20% increase in volume during first full month with the company. After six months increased volume by 75% over summer months. Finished 2006 volume at 113% and Dealer Penetration over 70%. Transferred to Indianapolis, Indiana in February 2007. Currently at 101% of volume, which represents a 26% increase over 2006 volume. Dealer Penetration is at 71%.



Fleetmax

• Dealer Services Representative

  • Jan 2003 - Mar 2004

  Expanded the sales territory of an Indianapolis-based auto wholesale company into the Pacific Northwest region. Responsible for buying cars and trucks from auto auctions and dealerships and selling them to dealerships, wholesale operations and rental car companies. In 15 months, bought and sold over 400 automobiles, developed new business in the Portland area and expanded customer base to California, Missouri, Alaska and Hawaii. Expanded the sales territory of an Indianapolis-based auto wholesale company into the Pacific Northwest region. Responsible for buying cars and trucks from auto auctions and dealerships and selling them to dealerships, wholesale operations and rental car companies. In 15 months, bought and sold over 400 automobiles, developed new business in the Portland area and expanded customer base to California, Missouri, Alaska and Hawaii.



Union Acceptance Corporation

• Sr. Credit Manager/Sales/Project Manager

  • Apr 1998 - Jan 2003

  Manager of special projects for the Chief Credit Officer and indirect lending department. Spear headed implementation of new alliance partnership with Household Finance for newly developed sub-prime department. Created and managed a 15 person customer survey telemarketing project designed to gain feedback from past experience, introduce new rate program and obtain current and future needs of 4500 dealers. Managed six Credit Analysts in an eight-state region as a senior credit manager. Consistently produced 21 million dollars monthly while directing 8 sales representatives toward their individual goals, time and territory management, dealer relations and development of new business. As a senior credit analyst, produced 3-4 million dollars per month while maintaining one of the highest credit scores and lowest loss ratios out of a department of 60 credit analysts. Was a co-leader and an integral part of a new territory development team, which signed over 2800 new dealers in 30 different auto markets throughout the United States.



WFS Financial

• Branch Manager/Market Representative

  • Feb 1996 - Mar 1998

  Coordinated weekly and monthly reporting from the 7 branch managers of the Northeast Region. Worked as liaison for the Senior Vice President to the Eastern United States Divisional Headquarters. Responsibilities included travel to each branch location to conduct collection audits, acting Regional Collection Manager and daily credit decision audits. As branch manager, was responsible for office start-up, dealer sign-up, credit decisions, hiring and training of the sales representative and operations manager. Was promoted after 6 months to Regional Assistant during company reorganization due to networking, relationship building, problem solving and organizational skills. Began with the company as a market representative in Portland Oregon where, after 8 months, was promoted to Philadelphia Branch Manager in 1997. Cultivated metro and costal areas into producing $2.5 million in monthly volume.



Union Federal Savings Bank

• Regional Credit Manager/Sales

  • Feb 1992 - Jan 1996

  Responsible for marketing to new car dealers in Portland, Oregon and the surrounding areas. Started in Indianapolis, Indiana as a credit analyst underwriting indirect loans in various markets across the United States. Immediately promoted to Regional Credit manager and managed an eight state area and seven credit analysts. Left Indianapolis in 1995 for a sales position in Portland, Oregon. Responsible for marketing to new car dealers in Portland, Oregon and the surrounding areas. Started in Indianapolis, Indiana as a credit analyst underwriting indirect loans in various markets across the United States. Immediately promoted to Regional Credit manager and managed an eight state area and seven credit analysts. Left Indianapolis in 1995 for a sales position in Portland, Oregon.



Capitol City Ford

• Finance and Insurance Manager

  • May 1987 - Feb 1992

  Managed financed office selling car loans to financial loan institutions in addition to insurance and service contracts to customers Managed financed office selling car loans to financial loan institutions in addition to insurance and service contracts to customers



Finch Brown/Associated Business Products

• Sales

  • Aug 1985 - May 1987

  Sold 3M and Canon Copiers and facsimile machines to rural southwest Idaho Sold 3M and Canon Copiers and facsimile machines to rural southwest Idaho



Pitney Bowes

• United States
• Software Development
• 700 & Above Employee

• Sales

  • Aug 1983 - Aug 1985

  Marketed postage meters, copiers, Facsimiles and mailing equipment to metro area and then to rural north central Indiana Marketed postage meters, copiers, Facsimiles and mailing equipment to metro area and then to rural north central Indiana