David Hand Email & Phone Number

Columbus, Ohio Metropolitan Area

Provide oversight and direction of personnel and processes related to mortgage lending, utilizing open-door management philosophy. Manage mortgage division P&L, including fee income from loans sold on secondary market and loans held in bank portfolio. Direct strategy involving product creation and enhancement, secondary marketing and pricing, sales, lead generation, recruiting, hiring, processing, underwriting closing/funding, post-closing, investor delivery, investor delivery, investor… Show more Provide oversight and direction of personnel and processes related to mortgage lending, utilizing open-door management philosophy. Manage mortgage division P&L, including fee income from loans sold on secondary market and loans held in bank portfolio. Direct strategy involving product creation and enhancement, secondary marketing and pricing, sales, lead generation, recruiting, hiring, processing, underwriting closing/funding, post-closing, investor delivery, investor delivery, investor relations, agency and investor certifications, loan servicing, accounting, vendor negotiations, and loan operating system management/administration. Oversee and facilitate origination of mortgage loan transactions. Provide leadership in implementation of new programs and systems. Address new system rules necessary for process enhancement and program into loan operating system.Set measurable goals and objectives for residential mortgage division involving customer service standards and supervise personnel and their workflow in achieving them. Attend sales meetings to review new loan originations and product releases. Meet with Chief Financial Officer and Financial Analyst to review financial metrics. Consult with underwriting and quality assurance to review special circumstances related to current loans. Work with marketing team to manage lead generation. Review operational performance with compliance. Discuss employee-specific issues with Human Resources involving compensation and performance.* Led Mortgage Division to profit achievement of 400% of goal in 2020 and 200% of goal in 2021. Grew division from 3 employees to 115 employees in 6 years and revenue from $40 million to $2.4 billion in 5 years. Achieved growth by launching nationwide digital advertising campaigns, developing lead generation strategy, and optimizing operational efficiency model to offer low-rate loan products to well-qualified borrowers. Show less

Columbus, Ohio Metropolitan Area

Recruited to train employees on modified roles and responsibilities due to regulatory changes, as well as improve company culture. Conducted group trainings to outline macro changes to company processes and loan timelines as they related to TILA-RESPA Integrated Disclosure (TRID) rules. Recruited, interviewed, onboarded, and trained new salespersons.* Grew salesperson team by 30% during tenure.* Member of management during company’s consideration of sale to national platform… Show more Recruited to train employees on modified roles and responsibilities due to regulatory changes, as well as improve company culture. Conducted group trainings to outline macro changes to company processes and loan timelines as they related to TILA-RESPA Integrated Disclosure (TRID) rules. Recruited, interviewed, onboarded, and trained new salespersons.* Grew salesperson team by 30% during tenure.* Member of management during company’s consideration of sale to national platform. Recommended against acceptance of offer, with ownership following recommendation and remaining in operation today. Show less

Columbus, Ohio Metropolitan Area

Recruited by ownership to help develop company’s core strategic plan, including deriving capital needs, creating infrastructure, marketing and staffing. Directed all aspects of mortgage operations, including processes, technology, marketing, P&L, budget, vendors, suppliers, payroll, and human resources. Utilized lead-based marketing platform to source customers and sell loans into secondary market. Set pricing, determined compensation, managed contracts, and negotiated with vendors. Purchased… Show more Recruited by ownership to help develop company’s core strategic plan, including deriving capital needs, creating infrastructure, marketing and staffing. Directed all aspects of mortgage operations, including processes, technology, marketing, P&L, budget, vendors, suppliers, payroll, and human resources. Utilized lead-based marketing platform to source customers and sell loans into secondary market. Set pricing, determined compensation, managed contracts, and negotiated with vendors. Purchased loans in secondary market. Created compensation plans for sales, providing opportunity to increase earnings based upon performance.* Led company from startup to producer of over $250 million per year in mortgage volume in 5 years.* Turned profit after only 3 months of operation; grew profit from $170,000 in year 1 to $480,000 in year 2 (171% increase).* Played key role in acquisition of Benchmark Bank. Show less

Administered company directed operating procedures for all aspects of local wholesale mortgage loan center servicing mortgage brokers in Ohio, Kentucky, Indiana, Michigan and Florida. Successfully instilled core customer service values and practices into all direct and indirect reports. Created and directed the implementation of numerous quality control processes to acheive top 5 ranking in overall quality control.