Experience

North Bay Credit Union

• United States
• Financial Services
• 1 - 100 Employee

• Lending Officer

  • May 2018 - Present

  Santa Rosa, California North Bay is the oldest credit union serving Sonoma County. Strong agricultural roots, once called the Grange CU. We still honor Agricultural lending in many forms including: land loans, large parcels and being a conduit for Farmer Mac lending. General Lending Perspective: There is always a need for niche lenders. Everyone in lending knows that Conventional guidelines offer little room for the unique, making a subjective decision, intuition, or looking for alternative methods of… Show more North Bay is the oldest credit union serving Sonoma County. Strong agricultural roots, once called the Grange CU. We still honor Agricultural lending in many forms including: land loans, large parcels and being a conduit for Farmer Mac lending. General Lending Perspective: There is always a need for niche lenders. Everyone in lending knows that Conventional guidelines offer little room for the unique, making a subjective decision, intuition, or looking for alternative methods of mitigating risk. Having considerable Savings bank history, unique loan scenario's and at times very complicated ones are not an unaccustomed experience for me. The decision to make is; though the situation doesn't fit, "the box", does it make sense to take the risk. The same prime lending variables are key to every transaction: income, credit, assets and collateral. They are always the guiding factors. The difference to how we make decisions here is perhaps as simple as looking at what I call the 'lowest common denominator" of the transaction. Appraisal don't lie, the marketability is evidenced there. Market values can ebb though, so knowledge of the community garnered over 35 years of real estate sales and lending is important in having trust in the situation. The Human aspect is the last and perhaps the most important part of the decision. Understanding the clients enough to feel their intent. Will they do whatever is necessary to protect that home, that property and that means make that mortgage payment. Also, if a problematic situation arises in their life, will they do whatever is necessary. Even, should it mean to sell if their situation is untenable. No lending scenario is devoid of risk. Markets ebb and anyone can lose a job no matter how extensive the history of employment or income. The human aspect simply can't be overlooked! Perhaps it’s lending from a different era, or maybe just perspective. One in which people really matter.

• Mortgage Loan Office

  • Apr 2018 - Present

  Santa Rosa CA North Bay is the oldest credit union serving Sonoma County. Strong agricultural roots, once called the Grange CU. We still honor Agricultural lending in many forms including: land loans, large parcels and being a conduit for Farmer Mac lending. General Lending Perspective: There is always a need for niche lenders. Everyone in lending knows that Conventional guidelines offer little room for the unique, making a subjective decision, intuition, or looking for alternative methods of… Show more North Bay is the oldest credit union serving Sonoma County. Strong agricultural roots, once called the Grange CU. We still honor Agricultural lending in many forms including: land loans, large parcels and being a conduit for Farmer Mac lending. General Lending Perspective: There is always a need for niche lenders. Everyone in lending knows that Conventional guidelines offer little room for the unique, making a subjective decision, intuition, or looking for alternative methods of mitigating risk. Having considerable Savings bank history, unique loan scenario's and at times very complicated ones are not an unaccustomed experience for me. The decision to make is; though the situation doesn't fit, "the box", does it make sense to take the risk. The same prime lending variables are key to every transaction: income, credit, assets and collateral. They are always the guiding factors. The difference to how we make decisions here is perhaps as simple as looking at what I call the 'lowest common denominator" of the transaction. Appraisal don't lie, the marketability is evidenced there. Market values can ebb though, so knowledge of the community garnered over 35 years of real estate sales and lending is important in having trust in the situation. The Human aspect is the last and perhaps the most important part of the decision. Understanding the clients enough to feel their intent. Will they do whatever is necessary to protect that home, that property and that means make that mortgage payment. Also, if a problematic situation arises in their life, will they do whatever is necessary. Even, should it mean to sell if their situation is untenable. No lending scenario is devoid of risk. Markets ebb and anyone can lose a job no matter how extensive the history of employment or income. The human aspect simply can't be overlooked! Perhaps it’s lending from a different era, or maybe just perspective. One in which people really matter.



Steve Sanders

• Self Employed Lender

  • Oct 2017 - Present

  Santa Rosa California



Steve Sanders Lender

• Very Experienced Loan Officer

  • Sep 2017 - Present

  Santa Rosa CA Have funder over 4000 loans for well over a Billion dollars



First Bank

• Banking
• 700 & Above Employee

• Senior Loan Consultant

  • Mar 2016 - Sep 2017

  Santa Rosa CA



Pinnacle Capital Mortgage

• Banking
• 100 - 200 Employee

• Senior Loan Consultant

  • Dec 2013 - Nov 2015

  Santa Rosa, CA I worked for Pinnacle through a net branch originally called Irwin street financial. They ultimately became a Pinnacle office and the owners went on a very significant growth campaign. What was once good, well intentioned and well supported lending became more about branding and sales coaching at the expense of well priced product. Once we were encouraged to utilize our opportunities to broker loans if necessary. However brokering no longer fit with their growth campaign and that issue ended… Show more I worked for Pinnacle through a net branch originally called Irwin street financial. They ultimately became a Pinnacle office and the owners went on a very significant growth campaign. What was once good, well intentioned and well supported lending became more about branding and sales coaching at the expense of well priced product. Once we were encouraged to utilize our opportunities to broker loans if necessary. However brokering no longer fit with their growth campaign and that issue ended up cementing my exit from Pinnacle. Show less



Commerce Mortgage

• Loan Consultant

  • Oct 2012 - Jul 2013

  Santa Rosa, CA The company's transition from DRE to DOC was anything but seemless - Suffice it to say I have found a better answer to my desired company to work for.



US Bank Home Loans

• Sr Loan Consultant

  • Nov 2011 - Sep 2012

  Santa Rosa,CA I exited US Bank with approximately a 20 Million Dollar Pipeline - They had the worst platform, operations, and service of anywhere I have ever worked - Processors carrying 120 loans. Good pricing doesn't offset poor service



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Loan Consultant

  • May 2008 - Oct 2011

  Santa Rosa Home Loan Consultant - What can I say it was Wells Fargo. No matter how I worked, I had to fight to try to deliver good service. It was wearing. I wanted to deliver the kind of treatment for both customers and Realtors they wanted and deserved but I was up against the regimentation of the institution. It's a very interesting Phenomenon that so many customers because of affiliation with the bank are so prone to use other divisions, such as mortgage. If they only knew how much better the service… Show more Home Loan Consultant - What can I say it was Wells Fargo. No matter how I worked, I had to fight to try to deliver good service. It was wearing. I wanted to deliver the kind of treatment for both customers and Realtors they wanted and deserved but I was up against the regimentation of the institution. It's a very interesting Phenomenon that so many customers because of affiliation with the bank are so prone to use other divisions, such as mortgage. If they only knew how much better the service and products could be elsewhere. Wells has a well developed business model, it all about branding and most customers seem to go for it only to find out that the treatment they received was subpar. Show less



WAMU

• SR Loan Consultant

  • Oct 2007 - Apr 2008

  Santa Rosa Went Back to WAMU for a short time after Countrywide first felt the brunt of crisis



Countrywide Home loans

• Sales Manager

  • Oct 2005 - Oct 2007

  Downtown Sata Rosa I managed my own branch - Countrywide was a very strange place to work - Land of the pricing exception - The company would literally do anything...Hence they no longer exist.



WAMU - American Savings

• Sr. Loan Consultant

  • Aug 2001 - Oct 2005

  Santa Rosa This was my first position and I did very well there- Presidents Club every year, often funding as much as 350 loans a year. I was the top 1-4 unit investment property consultant initially and then in 2000 focused on loans $500K to 3 Million. Those were the good days of my lending experience. I topped out at 148 Million in fundings in 2004. WHERE HAVE ALL THE FLOWERS GONE comes to mind.



Prudential Realty

• Realtor

  • Jan 1985 - Aug 1991

  Santa Rosa Realtor - At least I know exactly what a Realtor needs in a lender as I have been that Realtor.