Matt Kovach Email & Phone Number

Houston, Tx, Us

✪ DELIVERED RESULTS:• Increased CRM utilization rate from less than 30% of originators to over 70% of originators after assuming executive oversight of the marketing department. Vetted multiple CRM tools and led the migration from Salesforce to Total Expert.• Delivered significant savings on branch revenue and a reduction in corporate losses on loans after developing a “lock leakage” form inside of Encompass loan origination software (LOS) to better manage concessions at the branch level, requiring Branch Manager and/or corporate approval, when necessary, prior to disclosures or change of circumstances being sent to the borrower.• Introduced an additional feature that layered on a minimum profitability requirement per loan, projected to significantly impact the branches with negative P&L by preventing the ability to disclose when the threshold has not been met and an exception has not been obtained.• Implemented automated disclosures allowing originators to request disclosures 24/6 and resulting in a 6 FTE reduction.• Vetted multiple point-of-sale (POS) solutions, ultimately implementing and integrating Blend and SimpleNexus across the tech stack.

Houston, Tx, Us

DESCRIPTION: I was recruited to focus on growing production and providing thought leadership that transcended the standard departmental structure. I delivered a significant increase in business, enhanced customer experience, and increased turn times.✪ DELIVERED RESULTS:• Managed secondary marketing department and product development, including maintenance of company and branch margins, administration of pricing engine (Optimal Blue), management of the lock desk, and working with departments on new product vetting/rollouts.• Oversaw investor relations and all associated guidelines/overlays with correspondent investor offerings increasing to over 20, allowing for more opportunities at better pricing execution and salability. Created and maintained company product and underwriting guidelines.• Enabled hundreds of thousands of dollars in savings after building an investor overlay capability into the existing LOS solution, developing the logic required to indicate which investors the loan was eligible to allocate to at the loan level. Solution effectively eliminated inaccurate allocations moving forward.• Obtained Freddie Mac and Ginnie Mae approval, allowing company to grow servicing portfolio and offer more aggressive pricing and offerings to production.

Houston, Texas, Us

DESCRIPTION: I was recruited and spearheaded the development and rollout of new products, including Conventional, FHA, VA, USDA, Jumbo, Bonds, Down Payment Assistance, and Mortgage Credit Certificates (MCCs). I also oversaw the scenario desk, promoting a resource for loan-level questions before underwriting.✪ DELIVERED RESULTS:• Influenced executive team to adopt a campaign around a VA Bootcamp as a company initiative, leveraging veterans within the company to champion the cause. Created program and training.— 97% of 800 employees earned Envoy VA certification.— VA top lender ranking climbed from 98th to 60th in one fiscal year.— VA loan volume increased 88% YOY.• Managed product and underwriting guidelines and directed product/underwriting announcements distributed to 700+ employees.• Helped design and build out the correspondent division, adding a second channel to generate additional revenue.• Partnered cross-functionally with compliance and operations during the launch of QM/ATR policies, procedures, and guidelines, ensuring compliance with CFPB requirements.• Selected and actively served on the credit risk, QM/ATR, and retail compliance and policy committees.• Recognized as a founding member of the Loan Committee, an opportunity given to loan officers to argue for the overturn of a loan denial on loans that the loan officer and branch manager feel deserve additional consideration.• Reviewed hundreds of loans in collaboration with the branch and the committee, leading to multiple denials overturned and resulting in a funded loan.

Houston, Texas, Us

San Antonio, Texas, Us

Houston, Texas, Us