😀 ABOUT SMILE PROJECT LOUISVILLEMichael Ray, is the founder of Smile Project Louisville, an organization created to affect attitude and behaviors thru smiling with strangers. As the oldest of 7, Michael has seen life take many twists and turns. After 20+ years in the tumultuous mortgage industry, the death of a child, the challenges of a non- verbal special needs daughter and divorce, this father of 4 acted on a once dreamed about desire of inspiring others through small acts of kindness. This leap of faith has since turned into Smile Project Louisville.Today you can find Michael’s daily encounters with total strangers on several social media platforms with active followers all over the world.He has been on numerous pod casts, news stories, radio stations and has recently ventured into public speaking.😀 TO BOOK MICHAEL TO SPEAK AT YOUR CORPORATE EVENT, ON YOUR PODCAST OR ON YOUR VIRTUAL PLATFORM ABOUT HOW YOU CAN INSPIRE OTHER OTHERS THROUGH SMALL ACTS OF KINDNESS, REACH OUT DIRECTLY.☎️ 502- 777- 6479 💻 smileprojectlouisville@gmail.com⌨ www.smileprojectlouisville.com

Mortgage Loan Origination and Business Development/Marketing Professional cultivating referral partnerships within the Real Estate community

NMLS 1009496 license mortgage originations in KY, IN, TN, AL. Responsible for outside business development with real estate referral partners

Currently licensed in Kentucky, Indiana and Tennessee, Alabama, New Jersey and Colorado

Licensed with the Secretary of State in Kentucky and contracted with multiple local title and mortgage closing settlement service companies to provide mortgage closing services with buyers, sellers, mortgage bankers, real estate agents, and local/small community banks. Conducted hundreds of mortgage closing and responsible for the mortgage lender documentation closing.

Qualified for President’s Club for seven (7) consecutive years-Top Ten Percent company-wide. Only Account Executive in Southeast Region that was in Top Five Percent seven (7) consecutive years Southeast Region top ranked Account Executive 2002-2007. Rated most profitable Account Executive 2000-2002, 2004-2007. Southeast Region training co-ordinator 2002-2006. Refined automated sales/approval process for efficiency-used company-wide 2002. Developed and maintained long-term relationships with customers and internal operations support staff. Established and maintained relationships with C-level decision makers. Participated in various incentive programs designed to support achievement of production goals. Consistently hit and exceeded sales goals by 200-250%. Built strong client relationships and provided high value-adding services, resulting in company market share increase. Established more than 60 new accounts and recognized as top sales generator, increasing both sales and profitability levels. Planned and executed product presentations to large customer relationships-both prospective and existing. Managed a base of over 80 customers.

Managed Sales and Operations for State of Kentucky. Responsible for KY operational office start-up. Communicated regularly with territory, regional and strategic managers for daily support and strategic planning for accounts. Managed sales team of 4 account executives. Developed and assigned monthly sales quotas to existing sales staff. Consistently met and exceeded expectations for productivity and compliance levels.