Patrick Ervin Email & Phone Number

Troy, Mi

Responsible for Residential Mortgage Lending and Independent Title Services. NMLS#162217

Troy, Mi

Founder of Talmer Mortgage Department. 2015 retail originations of $1.4 billion/ 6550 loans. Responsible for P&L, Sales, Operations, Technology, Secondary, QC/QA, Retention, Construction Lending, Marketing, CRA, Fair Lending and Compliance. Dramatic growth in loan volume, profitability and efficiency while reducing employee base from 295 to current 215 in last two years.Manager of Talmer Mortgage Sub-Servicing Department - $7 billion total servicing. Includes $5.8 billion servicing for Fannie, Freddie, Federal Home Loan Bank, FHA and VA. Established internal Loan Retention team to leverage opportunities both in servicing portfolio and throughout Talmer’s customer base. Leader of on-site due-diligence acquisition team. Established methodology, procedures and reporting mechanisms for all Talmer diligence sessions. Responsible for setting credit mark used in final bid. The credit mark proved to be deciding factor in much of the success enjoyed by Talmer, both in the bid process and in the long term fruition of those projections. Conducted 27 diligence sessions - resulting in nine acquisitions.Generated over $1.35 billion of portfolio loans in seven years at Talmer. Outstanding credit quality and average ROE of 15%.Additional responsibilities:• Corporate Governance - ALCO, Fair Lending-CRA, Secondary Market, Compliance and Community Lending.• Talmer Spokesman - Washington Post: 2015. Next City: 2015. PBS: 2014. Detroit Free Press/ Talmer Bank Marathon: 2015. Zillow's Housing Roadmap: Detroit's Mortgage Market – Challenges: 2015.• Marygrove Neighborhood Rehabilitation program in City of Detroit. Fulfilling $1 million pledge from Talmer to rehabilitate homes in Detroit. • Founding member of Detroit Lender's Group - a group of six banks working with the Obama Administration, Ford Foundation, Kresge Foundation, and CRM to launch the "D" Loan program (2015 - 16).

Birmingham, Mi

Built successful Net Branch in SE Michigan in challenging economic environment based on innovative sales approach and fast reaction to market shifts. Reinvented company several times to adjust to ever-changing market and new challenges.Introduced new products to attack market niches not explored by competitors.Consistently ranked among top 50 income producing branches out of over 600.Apply dynamic leadership talents to recruit, train and mentor sales and operations personnel.

Ann Arbor, Mi

Directed mortgage production and operations in Michigan territory, increasing purchase volume by 250%.Hired, trained, and supervised personnel, and implemented new sales management structure. Held accountability for multi-million dollar P&L.Tenaciously penetrated new markets and expanded product offering by creating and implementing construction loan program from conception to secondary market delivery.Achieved dramatic sales growth by cultivating and maximizing long-term referral relationships.

Troy, Mi

Acted as primary liaison coordinating efforts between platform based employees, various departments and mortgage sales force. Responsible for establishing cross-selling strategy to leverage all banking products.Expanded bank “foot-print” to new markets through independent expansion of mortgage centers. Later, followed by traditional bank branches.Exercised first-rate management expertise to supervise, direct, and motivate loan officers.Resourcefully identified new markets, produced high-profit model for business expansion, and seamlessly launched expansion strategy.Re-engineered operational interface with sales department that lead to dramatic increases in efficiencies, cost and time savings and improved moral.Exhibited sound analytical talents in re-designing compensation model to elevate profitability, growth, and performance. Championed referral management system which boosted purchase market share by 20%.

Farmington Hills, Mi

Expertly delivered sales consulting and training services to banks, specializing in retail mortgage lending. Measurable success by increased market share of clients. Captured an average improvement of 30% in mortgage production.Provided guidance and leadership to numerous clients including Bank of America- Texas, Capitol Federal, Equality Savings, Wilmington Federal Savings and Standard Federal Bank.Strategically recruited, interviewed, and hired 20-person sales force in Chicago, implemented marketing plan, assembled management team, and administered training program for 180 bank branch managers.Trained and coached 200+ retail branch manager at Bank of America Texas; conducted 500+ sales calls to grow production from 146th largest mortgage lender statewide to 2nd largest.

Bachelor’S Degree, Business Administration And Management, General

Activities and Societies: Varsity Football & Drama

Hs Diploma

Activities and Societies: Varsity Football