Kenneth R. Hefner Email & Phone Number

Mission Viejo, Ca, Us

Providing strategic advisory services to mortgage brokerage and banking firms using Lean Six-Sigma methodologies with expert solutions designed to improve loan file workflow processes, manage credit risk, ensure pre- and post-funding quality control, and optimize personnel performance resulting in market share growth and increased profitability.

Sandy, Utah, United States

• Drove a 400% increase in Sales volume within the Region. • Built and manned the Loan Scenario Help Desk for Agency and Non-QM products and programs. • Acted as the company’s subject-matter expert on Policy & Procedure and Credit/Underwriting Overlays. • Coordinated efforts with Compliance and Operations staff to support Regulatory examinations and audits. • Initiated, built, and maintained relationships with third-party Lenders to provide opportunities for brokering. • Authored content and issued approval for all Marketing collateral and campaigns. • Engaged with additional stakeholders to implement interdepartmental process improvement schemes.• Contributed to new product development initiatives, launches, and ongoing product updates. • Created and delivered Adult Learning programs using Cornerstone LMS. • Conducted training webinars and performance coaching via Microsoft Teams.• Reported directly to the CEO.

Pacific Region

• Enabled Branch Managers and Loan Officers to grow the Region’s production by 187% to $2B/year. • Maximized opportunities for new business development via data mining and market analysis. • Developed Loan Officer sales and marketing plans using personalized Mentoring and Performance Coaching. • Devised reporting methodologies to ensure accountability toward Branch and individual production targets.• Ensured compliance with Federal, State, Community Housing, FNMA, FHLMC, FHA, and VA regulations.• Created and monitored Risk Management controls related to applicable Mortgage Lending Laws.• Streamlined departmental processes to increase efficiency and reduce per-unit loan costs.

Santa Ana, California, United States

• Built the Mortgage Originations Call Center platform for one of the nation's top-rated Mortgage Loan Servicers.• Provided Project Management for the acquisition and installation of software from third-party vendors.• Transitioned the enterprise from a Mortgage Broker to a full-service Mortgage Banker. • Obtained HUD approval for the company to participate in the FHA Direct Endorsement (DE) Program.• Managed the Compliance, Policy and Procedure, Training, and Product Development departments. • Interfaced with in-house Lawyers, State and Federal Examiners, and additional stakeholders. • Authored company Policy and Procedure documents related to all functions of new loan originations.• Created Internal Audit and Quality Control practices to guarantee compliance with Regulatory requirements.• Ensured compliance with Regulations and Acts including TILA, TRID, HMDA, ATR/QM Rule, ECOA, and AML.• Managed the NMLS Licensing process for all Mortgage Loan Officers within the Call Center.

Irvine, California, United States

• Managed the Mortgage Hedge Pipeline for the Western Division of the Retail Lending Group. • Oversaw all pricing and locking functions for a portfolio of loans averaging $500M per month. • Analyzed and reviewed requests for pricing exceptions and exerted full authority over final loan pricing.

Irvine, California, United States

• Brand Manager for the “Choice Spectrum” line of non-Conforming mortgage products.• Created and marketed a suite of Alt-A loan programs for the nation’s 6th largest Residential Mortgage Lender.• Pushed Alt-A loan volume from zero to $2 Billion per year. • Designed and delivered Adult Learning programs via live seminars and the Skillsoft LMS platform.

Anaheim, California, United States

• Oversaw the daily activities of a team of Underwriters, Funders, Loan Processors, and Account Managers. • Designed and implemented Quality Control plans, reducing loan buy-back requests by more than 15%. • Leveraged GrowLearning LMS to communicate complex technical information in easily understandable formats.• Streamlined departmental processes and practices to increase efficiency while reducing costs and turn times from 5 days to 48 hours.

Bachelor'S Degree, Economics

Certified Green Belt, Six Sigma

Education record