Frank Carado Email & Phone Number

NMLS#133827 - Member FDIC Equal Housing Lender

Northeast Region

Multi-faceted position encompassing Branch Management, Corporate Recruiting and Corporate Marketing with Market Growth/Expansion. RESPONSIBILITIES• Monitor loan originator mortgage pipelines daily to ensure loans are being processed and closed in a timely fashion and to confirm all loans meet regulatory and secondary requirements• Fully experienced with Fannie Mae and Freddie Mac guidelines• Manage, train and mentor loan officers and support staff• Exceptional at resolving complex mortgage loan issues• Identify and cultivate new and existing referral partners to develop successful referral relationship• Actively identify and generate prospective loan originators through strategic sales and marketing strategies to exceed market growth initiatives• Assist with special tasks or projects as directed by the company President• Responsible for outside sales initiatives for 18 branches• Introduce mortgage loan products to enhance corporate portfolio and marketabilityAccomplishments • Total volume of $112M generated by recruiting efforts in 2022• Successfully recruited 70 employees over 6 years that generated $405M in loan volume

York And Adams Counties

• Hire and train new team members and provide support for their continued success• Educate clients and team members of industry changes and loan programs available.• Develop business relationships with realtors, attorneys and financial planners.• Create marketing strategies to increase company market share.• Manage and place FHA, VA, USDA, PHFA and Conventional loans.

Central And Western Pennsylvania

• Monitored loan originator mortgage pipelines daily to ensure loans were being processed and closed in a timely fashion and to confirm all loans met regulatory and secondary requirements• Managed, trained and mentored loan officers and support staff• Developed business relationships with realtors, attorneys and financial planners• Created marketing strategies to increase company market share• Utilized FHA, VA, USDA, PHFA and Conventional loans

Central Pennsylvania

• Consulted with clients to advise of programs and rates, ensuring an accurate processing experience and closing in a timely fashion • Managed, trained and mentored loan officers and support staff• Developed business relationships with realtors, attorneys and financial planners• Utilized FHA, VA, USDA, PHFA and Conventional loans

Central Pennsylvania

• Serviced, in person, eight branch locations within Central PA and Philadelphia service areas• Consulted with bank clients to advise of programs and rates, ensuring an accurate processing experience and closing in a timely fashion • Educated team members within the banking network on all aspects of the mortgage process• Developed business relationships with realtors, attorneys and financial planners• Utilized FHA, VA, USDA, PHFA and Conventional loans

Camp Hill, Pennsylvania

• Consulted with clients to advise of programs and rates, ensuring an accurate processing experience and closing in a timely fashion • Managed, trained and mentored loan officers and support staff• Developed business relationships with realtors, attorneys and financial planners• Utilized FHA, VA, USDA, PHFA and Conventional loans

Camp Hill Pennsylvania

•Supervise established client accounts, contact clients on a constant basis to establish an effective working relationship and check follow up and quality of account services•Develop new accounts with local and national lending institutions, real estate companies and developers•Research potential clients and devise tactful and ethical ways to interest customers in our services •Demonstrate services, advise clients and answer queries •Handle and resolve any complaints or concerns from clientele•Work with company staff to effectively service customers and close sales •Coordinate and perform mortgage loan closings

Responsible for support and development of Branch Offices.•Develop business relationships with realtors, resulting in increased sales productivity•Created joint ventures with Title Insurance companies, to maximize company revenue. •Manage FHA, VA and Conventional Loans and placed with lenders •Managed the company budget and annual marketing plans.•Established branch locations, including all aspects related to operations•Hire and Train Staff with no Conventional or Government Loan Origination Experience•Conduct internal company audits to ensure company compliance with state and federal government guidelines

Responsible for the Internal and External Sales Development for 98 Branches•Relief Manager for District Managers •Sole discretion for underwriting authority to $150,000•Facilitator of divisional sales training seminars•Supported promotions and marketing efforts for the Eastern Division •Branch Manager from March 1992 to February 1999•Opened new Branch Offices •Hired and Trained office employees, set individual productions goals and administered employee performance reviews •Responsible for cash accounts receivable, monitoring and accounting