Brock B. Miller, Cmq/Oe Email & Phone Number

Denver, Colorado, United States

• Build strong relationships with financial institutions, delivering compelling presentations showcasing the value proposition of ACES Quality Management SaaS solution to key decision-makers• Develop and execute strategic business development plans, resulting in revenue growth and market expansion within the financial services industry• Stay up-to-date on industry trends and regulations, ensuring alignment with financial institutions' needs and driving business growth… Show more • Build strong relationships with financial institutions, delivering compelling presentations showcasing the value proposition of ACES Quality Management SaaS solution to key decision-makers• Develop and execute strategic business development plans, resulting in revenue growth and market expansion within the financial services industry• Stay up-to-date on industry trends and regulations, ensuring alignment with financial institutions' needs and driving business growth opportunities• Represent ACES Quality Management at industry events, conferences, and webinars, showcasing thought leadership and promoting the company's brand and solutions Show less

New Brighton, Minnesota, United States

• Lead a team of 17 quality control/assurance professionals performing origination and servicing audits internally as well as externally for 30+ credit unions and local community banks; averaging 544 reviews completed per month or approximately $120 million in loan volume• Manage workflow to ensure timely and accurate completion of post-closing, pre-funding / pre-closing, component, non-originated, and servicing audits in compliance with GSE/government agency requirements (FNMA, FHLMC… Show more • Lead a team of 17 quality control/assurance professionals performing origination and servicing audits internally as well as externally for 30+ credit unions and local community banks; averaging 544 reviews completed per month or approximately $120 million in loan volume• Manage workflow to ensure timely and accurate completion of post-closing, pre-funding / pre-closing, component, non-originated, and servicing audits in compliance with GSE/government agency requirements (FNMA, FHLMC, HUD/FHA, VA, USDA/RHS) as well as federal/state/local regulations; achieved a 25% reduction in overall turn times through software enhancements and process improvements• Drive brand recognition and expand client base through networking, conducting training seminars, creating of marketing materials, and delivering sales demonstrations; successfully increased external client base by 100% in approximately three years• Serve as the primary subject matter expert for quality control in residential mortgage lending and servicing, overseeing fraud escalation and overall risk monitoring• Develop and manage the annual departmental budget, facilitate internal billing, invoice external clients, maintain client relations, and execute new client contracts and onboarding; achieved a 14% budget surplus on average each year• Utilize SAP BusinessObjects and Microsoft Power BI to create and customize quality control reports, presenting findings and recommendations to the senior executive team and Board of Directors• Respond to external auditor/regulator examination requests and findings, assist in corrective action planning and root cause analysis, and undertake additional project management duties as needed Show less

New Brighton, Mn

• Oversaw the closing department consisting of 5 mortgage closers closing an average of 217 units/loans per month or $39 million in loan volume across multiple loan types (conventional, FHA, VA, USDA, jumbo, construction, portfolio, DPA) and business channels (retail, correspondent, wholesale) in 39 states• Monitored closing workflow and pipeline to ensure loans were closed timely, correctly and accurately according to company expectations and industry/agency/state/federal rules and… Show more • Oversaw the closing department consisting of 5 mortgage closers closing an average of 217 units/loans per month or $39 million in loan volume across multiple loan types (conventional, FHA, VA, USDA, jumbo, construction, portfolio, DPA) and business channels (retail, correspondent, wholesale) in 39 states• Monitored closing workflow and pipeline to ensure loans were closed timely, correctly and accurately according to company expectations and industry/agency/state/federal rules and regulations • Assisted in customizing Encompass to streamline and optimize closing process resulting in increased efficiency, efficacy, and productivity • Created closing quick reference guides and training materials for internal staff and external credit union partners who utilized closing services • Successfully implemented first company e-closing process• Established departmental goals and performance metrics; administered employee reviews and provided coaching, mentoring, and training to staff Show less

Sunrise, Fl

• Responsible for the day-to-day operations of the secondary operations department consisting of 8 post-closing auditors and 1 final documents coordinator averaging $56 million in loan volume per month or approximately 293 units/loans per month• Designated back-up to VP of Loan Operations, performed majority of their responsibilities in their absence• Monitored the entire purchase process of recently funded loans; cleared post-closing loan deficiencies and completed necessary… Show more • Responsible for the day-to-day operations of the secondary operations department consisting of 8 post-closing auditors and 1 final documents coordinator averaging $56 million in loan volume per month or approximately 293 units/loans per month• Designated back-up to VP of Loan Operations, performed majority of their responsibilities in their absence• Monitored the entire purchase process of recently funded loans; cleared post-closing loan deficiencies and completed necessary post-purchase tasks for loans recently purchased by investors• Helped increase departmental loan "one-touch" percentage from 42% to 67%; reduced loan dwell-time average from 35 days to under 20 days; lifted the running volume of 30-days aged or under loans from 58% to 97%• Appointed as trainer for departmental new hires; also administered continuing education/re-training for seasoned staff• Created post-closing audit checklist in collaboration with VP of Loan Operations; implemented new policies/procedures to increase departmental efficiency Show less

Saint Paul, Mn

• Reviewed and evaluated the origination, processing, and underwriting process of closed mortgage loans; including supporting documentation, appraisal review, credit, income, and asset analyses/reverifications, fraud detection, APR recalculation, QM/ATR requirements, and overall financial and credit risk analysis• Conducted over 2,500 loan file reviews averaging 101 audits per month with an average file time of 75 minutes• Performed comprehensive auditing operations of loan… Show more • Reviewed and evaluated the origination, processing, and underwriting process of closed mortgage loans; including supporting documentation, appraisal review, credit, income, and asset analyses/reverifications, fraud detection, APR recalculation, QM/ATR requirements, and overall financial and credit risk analysis• Conducted over 2,500 loan file reviews averaging 101 audits per month with an average file time of 75 minutes• Performed comprehensive auditing operations of loan documentation using industry accepted judgment and interpretation in examining and investigating satisfaction of underwriting conditions; cited exceptions accordingly• Performed repayment analysis, self-employed income/tax return/cash flow analysis, identified risk and compensating factors, and ensured integrity of data• Audited post-closing, early payment default, cancel/reject, FNMA, FHLMC, FHLB, VA, FHA, USDA, streamlines, jumbo loans, construction loans, cooperative loans, and portfolio/conventional undesignated loans• Audited in compliance with agency guidelines as well as federal and state guidelines with an emphasis towards identifying inconsistencies and deficiencies by use of TenA’s SecondLook audit software• Received monthly and annual performance reviews; consistently exceeded expectations pertaining to quality, quantity, and overall audit efficiency Show less

Minneapolis, Mn

• Temporary Position• Analyzed credit reports and conducted risk/need assessments to inform loan decisions for members• Completed and accurately entered loan applications, ordered appraisals, and locked interest rates• Offered guidance and support to members throughout the loan process, ensuring member satisfaction• Proactively monitored old and inactive applications within loan officers' pipelines• Ensured adherence with agency guidelines, maintaining… Show more • Temporary Position• Analyzed credit reports and conducted risk/need assessments to inform loan decisions for members• Completed and accurately entered loan applications, ordered appraisals, and locked interest rates• Offered guidance and support to members throughout the loan process, ensuring member satisfaction• Proactively monitored old and inactive applications within loan officers' pipelines• Ensured adherence with agency guidelines, maintaining high standards of quality and regulatory compliance• Collaborated with the loan originators to successfully close between 20-30 loans per month• Handled other various tasks as needed, providing valuable assistance and contributing to team efficiency Show less

Saint Paul, Mn

• Contacted existing U.S. Bank customers via telephone, conducting comprehensive financial assessments to understand their unique needs• Provided professional guidance on suitable banking products and services based on customers' individual financial situations, enhancing their financial well-being• Managed and monitored loans and lines for a dedicated team of 10 bankers, overseeing a portfolio of 10 or more loans/lines per banker• Collaborated closely with branch… Show more • Contacted existing U.S. Bank customers via telephone, conducting comprehensive financial assessments to understand their unique needs• Provided professional guidance on suitable banking products and services based on customers' individual financial situations, enhancing their financial well-being• Managed and monitored loans and lines for a dedicated team of 10 bankers, overseeing a portfolio of 10 or more loans/lines per banker• Collaborated closely with branch bankers, loan documentation specialists, and underwriters to facilitate smooth real estate transactions, ensuring a seamless process from application to closing/funding• Provided valuable support to the team manager in implementing sales contests, administering action plans, and accurately tracking sales tactics, resulting in improved productivity and overall efficiency of the sales team• Consistently achieved sales goals, surpassing expectations in 8 out of 9 months, and played an instrumental role in originating, processing, and closing over 200 loans Show less

Plymouth, Mn

• Actively marketed loan products, effectively promoting offerings to prospective borrowers• Conducted initial prequalification assessments of applicants, ensuring eligibility and suitability for loan products• Consistently surpassed established sales targets by originating an average of 3 or more appointments per day• Played a critical role in initiating contact with potential borrowers, facilitating loan application completion, responding to online inquiries, and… Show more • Actively marketed loan products, effectively promoting offerings to prospective borrowers• Conducted initial prequalification assessments of applicants, ensuring eligibility and suitability for loan products• Consistently surpassed established sales targets by originating an average of 3 or more appointments per day• Played a critical role in initiating contact with potential borrowers, facilitating loan application completion, responding to online inquiries, and scheduling appointment times• Provided valuable support to loan officers, streamlining the loan process for borrowers by ensuring efficiency and accuracy at each stage• Prioritized customer satisfaction, delivering exceptional service throughout the loan process and maintaining positive relationships beyond loan closing Show less

Oakdale, Mn

• Successfully operated on a commission-based pay structure, managing a flexible schedule while consistently dedicating over 60 hours per week to the role• Leveraged effective telephone communication to establish appointments with clients, subsequently conducting in-person meetings at their homes to educate them about the benefits available to them through their union or referral; demonstrated exceptional interpersonal skills and ability to build rapport• Specialized in a range… Show more • Successfully operated on a commission-based pay structure, managing a flexible schedule while consistently dedicating over 60 hours per week to the role• Leveraged effective telephone communication to establish appointments with clients, subsequently conducting in-person meetings at their homes to educate them about the benefits available to them through their union or referral; demonstrated exceptional interpersonal skills and ability to build rapport• Specialized in a range of insurance products, including whole life, term life, spouse riders/child riders, and AD&D, providing comprehensive coverage solutions to meet diverse client needs• Demonstrated leadership qualities by assisting in the training and onboarding of new hires, sharing expertise and best practices to foster their success• Meticulously prepared and processed paperwork, ensuring the smooth and timely finalization of sales transactions Show less

Minneapolis, Mn

• Operated as a self-employed professional, consistently dedicating over 40 hours per week to excel in the role• Demonstrated remarkable growth within the organization, progressing from telemarketer to lead telemarketer, then to assistant loan officer, and ultimately to loan originator• Proactively marketed a diverse range of loan products, including refinances, purchases, debt consolidation, and equity lines, effectively addressing customer needs• Consistently achieved… Show more • Operated as a self-employed professional, consistently dedicating over 40 hours per week to excel in the role• Demonstrated remarkable growth within the organization, progressing from telemarketer to lead telemarketer, then to assistant loan officer, and ultimately to loan originator• Proactively marketed a diverse range of loan products, including refinances, purchases, debt consolidation, and equity lines, effectively addressing customer needs• Consistently achieved a minimum of 3 new credit applications per day, showcasing exceptional sales and lead generation abilities• Conducted comprehensive meetings and evaluations with customers, adeptly leveraging both phone and in-person interactions to provide personalized guidance and support• Assumed responsibility for preparing all mortgage loan documentation, ensuring accuracy and compliance, while actively assisting loan processors in efficiently processing files Show less

Ba, Leadership & Business Management

• Accepted on an academic scholarship, recognizing academic excellence and dedication • Achieved Dean's List recognition multiple times.

High School Diploma, General Business

• Distinguished membership in the National Honor Society, reflecting academic excellence and commitment to scholarship • Completed.