Ralph Melbourne
President at Key Mortgage Services- Claim this Profile
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Bio
Spencer Gehring
Ralph Melbourne is one of those few, exceptional people that simply impresses me with every interaction we have. He is a phenomenal, transformative leader. He is positive, tough, resilient, fun to be around, courageous, visionary, persistent, humble, fair, insightful, open, compassionate, courteous, charismatic... pick an adjective. Ralph and I worked together in a turn around situation where I began to joke that every three weeks the business was hit with another tidal wave so big that it completely rendered the to do list from the last tidal wave irrelevant. How did Ralph deal with that? He turned the bow of his ship into the waves and put the throttle down. And his people manned the decks, buttoned down the hatches, rode out the storm as a TEAM and transformed the company in almost every dimension while doing so. Ralph's stamina, and the dedication and cohesion of his team, was a beautiful thing to watch.
Spencer Gehring
Ralph Melbourne is one of those few, exceptional people that simply impresses me with every interaction we have. He is a phenomenal, transformative leader. He is positive, tough, resilient, fun to be around, courageous, visionary, persistent, humble, fair, insightful, open, compassionate, courteous, charismatic... pick an adjective. Ralph and I worked together in a turn around situation where I began to joke that every three weeks the business was hit with another tidal wave so big that it completely rendered the to do list from the last tidal wave irrelevant. How did Ralph deal with that? He turned the bow of his ship into the waves and put the throttle down. And his people manned the decks, buttoned down the hatches, rode out the storm as a TEAM and transformed the company in almost every dimension while doing so. Ralph's stamina, and the dedication and cohesion of his team, was a beautiful thing to watch.
Spencer Gehring
Ralph Melbourne is one of those few, exceptional people that simply impresses me with every interaction we have. He is a phenomenal, transformative leader. He is positive, tough, resilient, fun to be around, courageous, visionary, persistent, humble, fair, insightful, open, compassionate, courteous, charismatic... pick an adjective. Ralph and I worked together in a turn around situation where I began to joke that every three weeks the business was hit with another tidal wave so big that it completely rendered the to do list from the last tidal wave irrelevant. How did Ralph deal with that? He turned the bow of his ship into the waves and put the throttle down. And his people manned the decks, buttoned down the hatches, rode out the storm as a TEAM and transformed the company in almost every dimension while doing so. Ralph's stamina, and the dedication and cohesion of his team, was a beautiful thing to watch.
Spencer Gehring
Ralph Melbourne is one of those few, exceptional people that simply impresses me with every interaction we have. He is a phenomenal, transformative leader. He is positive, tough, resilient, fun to be around, courageous, visionary, persistent, humble, fair, insightful, open, compassionate, courteous, charismatic... pick an adjective. Ralph and I worked together in a turn around situation where I began to joke that every three weeks the business was hit with another tidal wave so big that it completely rendered the to do list from the last tidal wave irrelevant. How did Ralph deal with that? He turned the bow of his ship into the waves and put the throttle down. And his people manned the decks, buttoned down the hatches, rode out the storm as a TEAM and transformed the company in almost every dimension while doing so. Ralph's stamina, and the dedication and cohesion of his team, was a beautiful thing to watch.
Experience
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Key Mortgage Services
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United States
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Banking
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1 - 100 Employee
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President
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Aug 2021 - Present
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BMO U.S.
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United States
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Banking
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700 & Above Employee
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National Head of Mortgage Lending Wealth
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Jun 2020 - Aug 2021
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Guaranteed Rate Affinity
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United States
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Financial Services
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700 & Above Employee
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Managing Director
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Oct 2017 - Dec 2018
Oversaw management of mortgage origination joint venture between Guaranteed Rate, Inc., one of the largest retail mortgage companies in the United States and Realogy Holdings Corp. (NYSE: RLGY), a global leader in residential real estate. Responsible for entire loan origination lifecycle and all aspects of growth and profitability, including strategy, sales, marketing, product management, business development, comprehensive client management, business planning and financial performance. Oversaw management of mortgage origination joint venture between Guaranteed Rate, Inc., one of the largest retail mortgage companies in the United States and Realogy Holdings Corp. (NYSE: RLGY), a global leader in residential real estate. Responsible for entire loan origination lifecycle and all aspects of growth and profitability, including strategy, sales, marketing, product management, business development, comprehensive client management, business planning and financial performance.
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PHH Mortgage
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United States
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Financial Services
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700 & Above Employee
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President Real Estate Channel
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Jun 2013 - Oct 2017
Recruited to realign and reorganize the Real Estate Channel for expansion and organic growth. Developed and executed organizational vision to align eight disparate regions for PHH Home loans joint venture with different policies, processes, technology, and marketing into a single unified mortgage platform with four streamlined divisions. Led team of more than 1,000 employees including 400+ loan officers generating annual loan volume of more than $8 billion. Recruited to realign and reorganize the Real Estate Channel for expansion and organic growth. Developed and executed organizational vision to align eight disparate regions for PHH Home loans joint venture with different policies, processes, technology, and marketing into a single unified mortgage platform with four streamlined divisions. Led team of more than 1,000 employees including 400+ loan officers generating annual loan volume of more than $8 billion.
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PNC
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United States
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Financial Services
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700 & Above Employee
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Strategic Partnerships Executive
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Dec 2010 - May 2013
Responsible for oversight, management and growth of all strategic partnerships for PNC Mortgage. Developed an entirely new platform to create joint ventures as an alternate origination channel focused on purchase business. Built and grew an entire new joint venture platform including policies, procedures, processes, recruiting and sales management team Responsible for oversight, management and growth of all strategic partnerships for PNC Mortgage. Developed an entirely new platform to create joint ventures as an alternate origination channel focused on purchase business. Built and grew an entire new joint venture platform including policies, procedures, processes, recruiting and sales management team
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Morgan Stanley
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United States
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Financial Services
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700 & Above Employee
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President
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Oct 2007 - Nov 2010
Responsible for the oversight, management and growth of the Global Wealth Management residential lending business delivered through over 18,000 Financial Advisors in over 900 branches nationwide. Responsible for the oversight, management and growth of the Global Wealth Management residential lending business delivered through over 18,000 Financial Advisors in over 900 branches nationwide.
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JPMorgan Chase & Co.
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United States
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Financial Services
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700 & Above Employee
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National Director, Retail Home Loans
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2003 - 2006
Developed and implemented home loan growth strategies for leading provider of financial services for consumers and small businesses with assets of $343 billion. Focus included product expansion, cross sell, sourcing strategies and business development. Efforts resulted in placing loan originators in 2,100 plus retail stores nationwide and driving 300% YOY growth in Equity Lending from $561 million to $1.7 billion. Developed and implemented home loan growth strategies for leading provider of financial services for consumers and small businesses with assets of $343 billion. Focus included product expansion, cross sell, sourcing strategies and business development. Efforts resulted in placing loan originators in 2,100 plus retail stores nationwide and driving 300% YOY growth in Equity Lending from $561 million to $1.7 billion.
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Citi
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United States
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Financial Services
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700 & Above Employee
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National Sales Executive
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Apr 1988 - Apr 2003
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Education
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The University of New Mexico - Robert O. Anderson School of Management
BBA, Management
Community
