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Financial Services Consultant | Underwriting & Risk Assessment | Building & leading productive relationshipsConnect with me using: ►►► Gardnr4@aol.com ◄◄◄All Invitations to Connect WelcomeLION – LinkedIn Open Networker****************Recruiters, HR Managers, Hiring Managers, Branch Managers connect with me to get access to my network deep in industry leadership.****************Hello my name is Ralph Gardner, and with my current experience as a Senior Life Underwriter and past tenure in sales management, my success is directly related to my ability to assess the clients' complex needs and create and develop customized solutions. I’m an expert at identifying and converting high quality leads into valuable customer base, and maintaining strategic relationships with them. My CPA, ChFC and CLU credentials help me develop a quick and sound understanding of financial products, and this helps me train and lead my team into converting opportunities into business successfully. My prior leadership experience in sales has equipped me with strong organizational, collaborative and consultative skills and highly effective interpersonal and communication skills. My excellent analytical and problem solving skills drive me into finding win-win solutions in every situation!Specialties: New business development, Sales recruitment, Sales management, Sales process, Team leadership, Team building, Account management, Training and development, Scripting, Public speaking, Financial sales, Coaching, Mentoring.To brainstorm or collaborate on any of these perspectives, call me at 281.250.8062.****************Ralph Gardner19702 Ivory Mills LaneHouston, TX 77094cell: 281-250-8062email: gardnr4@aol.comalternate email: gardnr4@gmail.comwww.linkedin.com/in/ralphgardner
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Senior Life UnderwriterFinal Expense Direct Jan 2019 - Mar 2021Houston, Texas, United StatesAs the Senior Life Underwriter, I sell final expense and burial life insurance over the phone to seniors age 50 to 85. Performing accurate and timely health and income assessment, I present viable alternatives for seniors and family members. I effectively collaborate with management to create a high performance organization. Highlights of my contributions include:• Ensure call quality to customers by monitoring calls and preparing evaluation reports.• Improve closing ratios by mentoring phone sales representatives. -
Sr. Loan OfficerEncompass Lending Group, Lp Jan 2016 - Dec 2018Houston, Texas AreaIn this role I oversaw business development and new customer acquisition within the Internet Loan Division of the top 5000-listed mortgage, loans, and refinance company. Licensed to pursue business in multiple states, I conducted outbound calls in response to internet generated leads. evaluated the financial needs of prospective clients and generate interest by engaging and offering appropriate products and services. Highlights of my contributions include:• Exceeded targets every month by achieving $1M to $1.5M consistently in new business, and ranked as one of the top revenue earners of loans business in a team of eight loan officers.• Attracted business by making over 100 contacts a day, and delivering a differentiated client experience from initial connect to acquisition and onboarding.• Offered customized financial solutions to veteran and high credit-worthy clients, providing consultative advice on multiple products and demonstrating keen understanding of the clients' objectives.• Maintained up to date knowledge on policies and procedures ensuring ethical and regulatory compliance in all transactions.• Ensured the fulfilment of business imperatives by performing thorough background checks including assessment and analysis of credit reports and income documents.• Established high levels of integrity and ethics, offering solutions that met customer goals and grew business.
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Mortgage Loan Officer - Nmls #944093Bank Of America Home Loans Oct 2015 - Jan 2016Mortgage Loan Officer assigned to a designated Financial Center. Working with Bank Clients assisting with pre-approvals on upcoming home purchases; refinances, & home equity products. "The postings on this site are my own and do not necessarily represent Bank of America’s positions, strategies, or opinions.” Anonymous postings is not permitted. -
Mortgage Loan OfficerCarrington Mortgage Services, Mortgage Lending Division Feb 2015 - Oct 2015Spring, TexasI advised clients on the risks, consequences, and benefits of mortgage, and helped them fulfill the goals of home ownership. I assessed and analyzed the clients' financial needs and situation by reviewing income documents and credit reports. I answered queries and responded to requests, ensuring client satisfaction at all stages of the mortgage process. Highlights of my contributions include:• Secured an average revenue of $700K+ in loans per month, through meticulous management of up to 100 calls per day.• Built a pipeline of customers by managing and responding to calls from solicitation campaigns.• Completed the entire process of loan contracts in strict adherence with legal and company guidelines.• Acquired the license to pursue business in over 35 states. -
PrincipalRlg Company May 2012 - Jan 2015Houston, TexasIn an entrepreneurial capacity, I provided an entire gamut of financial services to clients, and offered high-level educational services to build financial awareness in the community. I also managed interim senior mortgage/loan officer positions during the tenure. I marketed and built the company over a period of three years. As a Licensed Loan Officer, I advised and helped prospective homebuyers evaluate and decide upon mortgage sources from amongst a variety of options such as conventional, FHA, USDA, and Investment Loans, by performing credit and income analysis. Highlights of my contributions include:• Successfully managed the business end-to-end, from customer prospecting and acquisition to financial management and delivery.• Delivered several three-day high real estate educational seminars across the country with a partner, generating interest and building books of business in the process.• Built a steady revenue pipeline by selling and teaching educational packages priced from $10K to $50K per enrollee.• Hired by K. Hovnanian American Mortgage (a Fortune 500 Lender) as an Interim Account Manager, and by Capital Concepts Inc. (a boutique mortgage lending broker), as a Home Mortgage Consultant.
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Group Leader | Team LeaderTaxmasters Sep 2007 - Apr 2012Houston, Texas, United StatesIn a sales management role for the publicly traded tax representation firm managing and resolving tax issues for the clients, I led a team of 70 financial sales professionals, across seven teams, driving over $30M in annual sales. Highlights of my contributions include:• Achieved a 100% growth in company revenue within a two-year period.• Turned around the team from the lowest to the highest performing team and clocked $2.5M in sales, within the first year as the leader.• Grew from a sales executive to a team leader within 90 days and to a Group Leader within one and a half years, due to significant contribution in each of the roles.• Maintained accountability of nearly 50% of the firm's sales teams (7 out of 13 teams), and oversaw all aspects of performance from hiring, training, coaching, and delivery of results to meet the targets defined.• Optimized performance by streamlining sales processes and designing policies that also influenced sales growth positively.• Implemented a training process for new hires, enabling them sell effectively over phone. Developed scripts, performed role plays, and provided live demonstrations on sale closing to consultants for proper learning. -
Senior Loan OfficerIwayloan, Lp 2006 - 2007Licensed loan officer and processor of residential & investment mortgages through both conventional "A" rated and subprime lenders. -
Division Manager | Senior Loan OfficerTrenton Mortgage 2003 - 2006As Division Manager, I worked with local builder to assist his buyers with their mortgage needs whether FHA, Conventional, Subprime, or investment loans.
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Loan OfficerWall Street Mortgage 2001 - 2003Houston, Texas AreaLicensed loan officer and processor of residential & investment mortgages through both conventional "A" rated and subprime lenders.
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Divisional Sales ManagerNational Health Insurance Company 1999 - 2001Houston, Texas AreaOversaw the recruiting, training, and supervisiong of an insurance sales team within the health and supplemental insurance field.
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Sales Manager | Senior Account ExecutiveAmeritas Life Insurance 1992 - 1999Houston, Texas AreaDirected product training and phone monitoring of life and securities licensed phone representatives; assisted with joint sales calls and sales and marketing strategies; increased life sales production 25% and personal telephone production of $1 million dollars.Served as a prominent liason between sales representatives and life insurance underwriters to achieve successful negotiations of rated cases for insurance placement.
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Senior Health Account Executive | ManagerUsaa 1987 - 1990San Antonio, Texas AreaSelected, trained, and managed a property and casualty insurance carrier's number one health and disability insurance sales team. Personally produced over $270,000 in new premiums while team produced over $1 million in new sales. -
Staff Auditor | Staff Tax SpecialistKpmg 1983 - 1985Houston, Texas AreaA member of introductory task force that performed both entry-level audit and tax functions on publicly traded clients. Prepared tax returns for clients.
Ralph Gardner Skills
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Frequently Asked Questions about Ralph Gardner
What is Ralph Gardner's role at the current company?
Ralph Gardner's current role is Senior Life Underwriter | Quality Assurance at Final Expense Direct - Houston, Texas.
What is Ralph Gardner's email address?
Ralph Gardner's email address is ga****@****aol.com
What is Ralph Gardner's direct phone number?
Ralph Gardner's direct phone number is +128157*****
What schools did Ralph Gardner attend?
Ralph Gardner attended The University Of Texas At Austin.
What skills is Ralph Gardner known for?
Ralph Gardner has skills like Leadership, Training, Account Management, Management, Team Building, Sales, Insurance, Sales Management, Team Leadership, New Business Development, Loans, Sales Process.
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