I’m a sales servant leader who specializes in business development and process improvement. I have closed 500 units totaling $100M+ in one month on average, duplicating that process to four other US locations in my previous role. Now, I seek to grow your underwriting practice.CAREER HIGHLIGHTS INCLUDE:* Closed 500 units for $100M+ in one month on average, duplicating that process to four other US locations * Increased productivity by 30%, promoting one loan officer to a sales manager, with a 98% employee retention* Promoted to VP of Lending to lead a sales and operations department of 75 FTEs, from Underwriting Manager who oversaw 11 UnderwritersCORE COMPETENCIESSales Management | Process Improvement | Mortgage Government Underwriter | Networking | Negotiation | Sales Training | Budgeting and Forecasting | Pipeline Management | Time Management | Consultative Sales | Attention to Detail | Presentations | Cross-Functional Team Leadership | Communication | Relationship Building | Stakeholder Management | FHA / VA / Conventional LoansAre you seeking your next servant leader?Let's talk!Ralph Pacheco
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Vice President Of UnderwritingEpmDallas, Tx, Us -
Director Of Client & Partner ExperienceEpm Oct 2024 - Present
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Vice President Of ExpansionJetstream Lending Feb 2023 - Oct 2024United States* Led sales operations for all FTEs* Reported on client needs, problems, interests, competitive activities, and potential for new products and services* Analyzed the territory potential to determine the value of existing and prospective client* Complied with all accounts receivable policies, procedures and compliance guidelines* Planned and organized personal sales strategy by maximizing the return on time investment for the territory -
Regional Sales Manager / Branch ManagerLeaderone Financial Corporation: Texas Aug 2022 - Feb 2023Dallas-Fort Worth Metroplex* Oversaw day-to-day loan origination activity among cross-functional teams* Negotiated loan terms between prospects, clients and vendors* Managed loan application pipeline with processing team* Recruited, interviewed, hired, and trained new Loan Officers* Developed future leaders and managed Sales Manager and Loan Officer productivity -
Regional Sales ManagerPolaris Home Loans, Llc Nov 2021 - Aug 2022California/Texas, United States* Engage in day-to-day loan origination activity* Take loan applications and negotiate terms* Manage loan application pipeline with processing team
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Regional Manager - West CoastRiver City Mortgage: Full-Service Mortgage Firm Jan 2020 - Nov 2021Chino Hills, California* Led sales operations for all FTEs* Oversaw day-to-day loan origination activity among cross-functional teams -
Vice President Of LendingCarrington Mortgage Services, Mortgage Lending Division Mar 2014 - Jan 2020* Closed 500 units for $100M+ in one month on average, duplicating that process to four other US locations -
De Underwriter/Team LeadNetwork Capital Funding Corporation Nov 2011 - Oct 2012Irvine, CaResponsible for reviewing, analyzing, and approving Conventional/FHA loans. Evaluating and ensuring overall loan documents are accurate, complete and compliant. Utilized DU/LP programs and secured a DU or LP findings report for each loan file. Determine credit worthiness of borrower, satisfy loan conditions, and offer comprehensive solutions to issues revealed in files, while working in a team atmosphere. -
De Underwriter/Team LeadCarrington Mortgage Services Apr 2011 - Nov 2011Santa Ana, CaPerform a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines. Apply and interpret company underwriting guidelines and make sound credit decision. Complete credit, income analysis of loan, ensure proper audits are completed and verify consistency of loan file information. Review and evaluate credit information on mortgage loan documents to determine acceptability for specific loan programs -
Account ExecutiveFremont Investment & Loan 2003 - 2007
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Underwriter/Operations Mgr/Sr. Account ExecutiveCentex Home Equity 2000 - 2003
Ralph Pacheco Education Details
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Associate Of Arts - Aa
Frequently Asked Questions about Ralph Pacheco
What company does Ralph Pacheco work for?
Ralph Pacheco works for Epm
What is Ralph Pacheco's role at the current company?
Ralph Pacheco's current role is Vice President of Underwriting.
What schools did Ralph Pacheco attend?
Ralph Pacheco attended Norco College.
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