Mark Falcone Email and Phone Number
With a career spanning 30 years in the mortgage and lending industry, I bring a wealth of experience, a record of innovation, and a passion for empowering teams to every project and relationship I undertake. Having further honed my skills with 15 years of executive management, diverse loan programs, and new market development, I excel in cultivating strategic relationships that drive revenue and growth.Throughout my career, I have developed a keen ability to drive business expansion strategies and establish profitable niches by leveraging in-house relationships with banks and mortgage lenders. An innovator at heart, I've created a proprietary Loan Analysis Program that has streamlined the loan application process and improved the loan closure timeline. My leadership and innovative practices have consistently improved market share, client engagement, and revenue for each organization I've been a part of.Some Key Achievements Include: ✅ Implemented targeted training for sales team to enhance loan writing proficiency utilizing underwriting best practices gained from 30 years of experience working across top banking industry organizations, resulting in increasing customer service scores to over 90% and streamlining underwriting process with an 80% increase in proficiency✅ Initiated a membership benefit program with a local real estate franchise, delivering presentations demonstrating superior lending speed compared to competitors, leading to the formation of an exclusive alliance between a key real estate franchise and Keypoint Credit Union✅ Increased pipeline activity by generating 80M-100M of purchase preapprovals by expanding professional network and nurturing relationships through hosting marketing events and seminars, enhancing brand visibility and client engagement✅ Developed a proprietary Loan Analysis Program, utilizing an in-depth debt/income analysis spreadsheet, enabling same-day client pre-approval notifications, reducing uncertainty in the loan application process, leading to becoming successfully positioned as the preferred lender, leveraging underwriting expertise to expedite closure timelinesI'd love to connect with other industry leaders. Feel free to connect with me through this profile if you'd like to network together.
Gulf Coast Bank And Trust Company
View- Website:
- gulfbank.com
- Employees:
- 354
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Senior Mortgage Loan OfficerGulf Coast Bank And Trust Company Oct 2024 - Present1170 Celebration Blvd, Ste 100 -
Senior Home Loan AdvisorGolden 1 Credit Union May 2019 - Dec 2022Campbell, California• Devised and executed a business expansion strategy by self-sourcing and penetrating diverse markets, conducting market analysis and cultivating a robust network of realtors and past clients, leading to increased market share and an average of $30M - $40M in annual funding• Established profitable niches through tailored loan offerings, leveraging in-house relationships with banks and mortgage lenders, fostering strategic relationships with realtors and builders through active field engagement, driving referral sources• Implemented bespoke solutions for a diverse client base, including non-green card holders with work visas and utilizing RSU income for approvals, utilizing advanced knowledge of lending procedures, increasing loan approvals and amounts• Created a comprehensive list of niche offerings, bolstering marketing efforts by streamlining products into easily consumable sales and outreach scripts, enhancing company-wide sales efficiency and productivity, driving client understanding and increasing revenue• Collaborated with senior leadership to inform product line development, ensuring alignment with client needs and market trends• Increased pipeline activity by generating 80M-100M of purchase preapprovals by expanding professional network and nurturing relationships through hosting marketing events and seminars, enhancing brand visibility and client engagement -
Regional Sales ManagerKeypoint Credit Union Jul 2018 - Mar 2019Santa Clara, Ca• Implemented targeted training for sales team to enhance loan writing proficiency utilizing underwriting best practices gained from 30 years of experience working across top banking industry organizations, resulting in increasing customer service scores to over 90% and streamlining underwriting process with an 80% increase in proficiency• Pioneered the introduction of Loan Officers to Fannie Mae's direct upload software, developing a streamlined process between sales and underwriting to reduce turnaround times and increase loan approvals, driving customer engagement• Supported strategic relationship with Apple, which established KeyPoint as the preferred credit union, improving brand visibility and outreach• Evaluated and recommended strategies to improve loan officer's productivity and sales, leading to the adaptation of loan programs to the competitive market dynamics, such as the incorporation of RSU income qualifications• Established a certification process for loan officers to pre-underwrite loans, enhancing production, sales, and file quality• Initiated a membership benefit program with several national real estate office franchises, delivering presentations and trainings demonstrating superior lending speed compared to other lenders, leading to the formation of a tactical alliance between the national franchises and KeyPoint Credit Union• Led a series of seminars and trainings to support the real estate offices, enabling and enhanced understand of clients' lending needs and unique offerings, establishing KeyPoint Credit Union as customers’ and realtors’ preferred choice in the industry -
Sr. Loan OfficerBank Of America Jan 2017 - Jul 2018Palo Alto, California• Originated self-sourced purchase loans and emerged as the preferred lender at Builder/New Home projects, successfully expediting loan closure procedures, and consistently beating deadlines resulting in earning high customer satisfaction scores• Implemented and leveraged the Community Reinvestment Act (CRA) to work collaboratively with builders on first-time home builder programs, promoting community development and financial inclusivity while allowing for additional loan approvals, collaborating with local and national government entities to ensure compliance• Developed a proprietary Loan Analysis Program, utilizing an in-depth debt/income analysis spreadsheet, enabling same-day client pre-approval notifications, reducing uncertainty in the loan application process, leading to becoming successfully positioned as the preferred lender, leveraging underwriting expertise to expedite closure timelines.• Coached clients on navigating the underwriting process, customizing communication based on client preference and providing guidance on loan acquisition and ensuring transparent communication, developing lasting relationships that led to additional referrals -
Private Mortgage BankerChase Sep 2016 - Jan 2017Santa Clara Branch• Focused on purchase loans and high net worth clients, leading to an influx of preapprovals, contributing to increased business volume• Implemented market research, identifying and cultivating new relationships, leveraging marketing strategies to expand client base• Developed a streamlined originating system focused on preapprovals utilizing operational efficiency and strategic planning, while upholding high customer satisfaction scores, due to commitment to delivering exceptional client service -
Home Loan Officer / Avp Sales ManagerCitibank Aug 2012 - Sep 2016Sunnyvale, Ca• Improved operational processes, streamlining purchase loan closure timeline to 10-15 days (industry standard being between 15-20 days), and refinancing process to 25-30 days (industry standard being between 2-3 months), leading to increased competitive advantage• Successfully recruited and trained new loan officers, increasing home loan origination, personally contributing $35M annually• Built key in-house relationships including direct rapport with the CEO and CFO of Intero, culminating in a marketing service agreement and alliance with Intero Real Estate Services for high-end market penetration• Achieved the best capture rate among all officers, leading to widespread collaboration across company locations and recognition as a top producer within the Intero MSA relationships• Conducted weekly classes promoting Citibank's offerings, building credibility and enhancing brand preference among potential clients.• Offered training classes and support to realtors on open houses, providing tailored scripts and role-play exercises to enhance realtor personal and professional development, strengthening relationships and becoming the sought after and preferred lending officer
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Senior Loan OfficerMetlife Home Loans Jun 2011 - Jan 2012San Jose, Ca• Strategic in enhancing the builder program between MetLife and KBHomes, creating strong relationships with top executives and earning the role of go-to professional for complex loan cases• Originated self-sourced purchase loans and became preferred lender in Builder/New Home projects, exceeding closure deadlines• Fostered relationships within the new housing builder’s community, maintaining high customer satisfaction scores, contributing to sustainable business growth while promoting long-term partnerships
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Loan OfficerWells Fargo Bank - Builder Division Dec 2008 - Jun 2011San Jose, Ca• Originated loans as the preferred lender for Builder/New Home projects, leveraging a variety of First-Time Home Buyer and Down Payment Assistance programs, implementing Community Reinvestment Act (CRA) and allowing for layered financing solutions to offer tailored loan solutions that increased volume• Consistently maintained high customer satisfaction scores by forging new builder relationships, upholding strong relationships in the housing industry, securing novel projects, and achieving the status of the preferred lender, driving nearly $70M in loans annually• Achieved a 90% capture rate, outperforming industry averages while proactively providing potential clients with a clear understanding of their purchasing power, ensuring transparency and facilitating informed decision-making.
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Senior Loan OfficerBank Of America Oct 2006 - Dec 2007San Jose, Ca• Originated loans and became the preferred lender for Builder/New Home projects by leveraging a variety of First-Time Home Buyer and Down Payment Assistance programs and fostering new builder relationships• Consistently achieved high customer satisfaction scores and maintained strong relationships within the new housing industry, demonstrating an unwavering commitment to client service• Effectively catered to the high-end market, utilizing strategies such as proactive realtor engagement at open houses, coaching, and value-added services to build robust industry networks and partnerships
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Branch ManagerCountrywide Home Loans Jul 2006 - Nov 2007Saratoga, Ca• Spearheaded the establishment of the Saratoga mortgage branch, overseeing daily operations as well as recruitment, training, and motivation of a 12-member loan officer team, demonstrating executive leadership and financial acumen• Assembled a dynamic and professional sales team, fostering a culture of high performance and collaboration utilizing industry knowledge and best practices, ensuring seamless and efficient collaboration between sales and underwriting• Boosted productivity and profits through comprehensive market analysis and strategic planning, contributing to overall company growth, increased market share, and high levels of employee engagement, culminating in an acquisition by Bank of America in 2007
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Ceo / FounderFalcone Financial Services, Inc. Jun 2003 - Jun 2006Las Vegas, Nv• Led corporate strategies, budgets, and P&L for a 65-member team, implemented loan quality and underwriting systems, recruiting and training loan officers to ensure a highly efficient team and efficient loan processing protocols.• Developed tailored loan programs and product offerings through extensive market research, catering to the high demand from first-time home buyers, utilizing specialized programs for improved client service.• Leveraged local events such as golf tournaments to enhance company reputation, implemented innovative strategies to drive preapprovals, fostering a robust customer base and community presence.• Guided the company towards significant profitability, growth, and market share, establishing a reputation of high ethics and excellence, leading to an acquisition by Countrywide in 2006.
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Ceo / FounderPremier Real Estate Financial Services, Inc. May 1992 - Jun 2006Saratoga, Ca.• Created a profitable company focused on providing loans and underwriting services for high-net-worth clientele,culminating in its sale to Countrywide Home Loans in 2006.
Mark Falcone Education Details
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Leland High ScoolGeneral Education -
European Studines
Frequently Asked Questions about Mark Falcone
What company does Mark Falcone work for?
Mark Falcone works for Gulf Coast Bank And Trust Company
What is Mark Falcone's role at the current company?
Mark Falcone's current role is A Wealth of Knowledge & Experience | Highly Skilled in New Market Penetration & Strategic Relationship Development | Passionate about Team Development & Training. 15 years of management experience. Air Force Veteran..
What schools did Mark Falcone attend?
Mark Falcone attended Leland High Scool, San Jose State University.
Who are Mark Falcone's colleagues?
Mark Falcone's colleagues are Tricia Cockran, Brandon Murphy, Toni Manno, Mary Anne Gallagher, Elizabeth "liz" Jenkins, Alece Jackson, Benny Nguyen, Cmb.
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