Dave Winfrey Email & Phone Number

Top producer in the Loan Origination and Fulfillment DepartmentManaged customer relationships for Morgan Stanley Home Loans, including Residential Purchase, Refinance and Line of Credit Origination and Processing (both conforming and non-conforming) Maintained greater than 95% client and financial advisor satisfaction during high volume periods Facilitated and developed the growth of a region's production by working as a collaborative partner with private bankers and regional managers Loan experience inclusive of conforming high net worth, unique vestings and unique collateral types with the primary focus on affluent clientele with the firmTrained and mentored all new loan officers to ensure compliance with all state regulations and Morgan Stanley lending guidelinesAssisted in the interview process for new loan officersConducted pipeline reviews for team members; provided creative thoughts and ideas to increase productivityEnsured loan officers complied with federal, state, and local lending laws Worked with senior management on workflow and ways to maximize efficiency during the transition to a paperless environmentKey team player on several committees which included multiple 3rd party vendor initiative inclusive of closing documents, appraisal, title and RESPA reform, and credit changes on the front-end originations systemBuilt long term relationships with Financial Advisors to facilitate customer loyalty and to increase client awareness of Morgan Stanley's product offeringsWorked collaboratively with all other departments to improve processes, policies and communication channels in order to streamline work flow

Maintained strong dealer relationships with over twenty-five Chicagoland automobile dealersResponsible for reviewing credit applications to determine proper interest rates and dollar amounts financedDirected the collection efforts of 3,800 accounts in the value of $30,000,000Earned numerous monthly bonuses for consistently surpassing delinquency standardsHandled office bankruptcies, repossessions, and charge-off accountsTrained all new buyers and collectors on company policies and state regulationsMaintained all documentation which met state and company audit standards

Reviewed and approved qualified credit applications for personal and automobile loansIncreased customer base through networking, referrals, cold calling and sales presentations to car dealerships throughout Northern IllinoisDirected the collection activity of six employeesTrained new employees on the daily operations and company standards

Trained new employees on company policies and successful sales techniquesGenerated new business by presenting to potential clients the company's sales approach and marketing techniquesImproved sales by creating goals for established accounts

Education record

Education record