TODD AYERS
Louisville
Summary
To continue thriving in a collaborative team environment where my experience in the financial services industry enables me to guide customers toward optimal financial outcomes, while also serving as a positive and supportive influence within my team.
Overview
29
29
years of professional experience
1
1
Certification
Work History
Senior Mortgage Loan Officer
STOCKTON MORTGAGE COMPANY
05.2020 - Current
- Generated referrals through collaboration with real estate agents and attorneys.
- Streamlined loan processes by coordinating with processors and underwriters effectively.
- Evaluated mortgage applicants’ qualifications by analyzing credit history and debt load.
- Promoted open houses by collaborating with agents and creating effective marketing materials.
- Conducted informative presentations for realtors to enhance industry knowledge.
- Mentored new loan officers on Encompass, enhancing team productivity and efficiency.
Senior Mortgage Loan Officer
ANNIE MAC
03.2019 - 05.2020
- Facilitated home purchases for clients seeking primary, secondary, and investment properties.
- Evaluated mortgage loan qualifications by analyzing credit and debt profiles thoroughly.
- Guided homeowners in refinancing for debt consolidation and home improvement projects.
- Conducted home buying seminars to educate Realtors and builders effectively.
- Collaborated with insurance agents and title companies to expedite closing processes.
Senior Mortgage Loan Officer
ACOPIA HOME LOANS
09.2015 - 03.2019
- Facilitated home purchases for buyers, ensuring smooth transaction processes.
- Guided homeowners in refinancing options for debt consolidation and improvements.
- Collaborated with underwriters to assess mortgage applications and creditworthiness.
- Conducted home buying seminars to educate Realtors and builders effectively.
- Coordinated with insurance agents and title companies for closing transactions.
- Developed marketing materials to promote various lending programs efficiently.
Mortgage Loan Officer
CENTURY MORTGAGE COMPANY
07.2011 - 09.2015
- Ensured smooth closings by qualifying clients and issuing pre-approval letters.
- Reviewed applicants' credit histories to determine loan eligibility and approval.
- Cultivated relationships with Realtors and banks, enhancing referral networks.
- Generated leads through targeted marketing letters and informative newsletters.
- Maintained client relationships for ongoing referrals and future business opportunities.
- Trained and supervised new loan officers, promoting team success.
- Ranked in top 5% for business volume from 2012 to 2014.
- Recognized as a Century Mortgage Gold Club member for three consecutive years.
Mortgage Loan Officer
WELLS FARGO HOME MORTGAGE
02.2006 - 06.2011
- Established and managed a new Wells Fargo branch successfully.
- Assessed mortgage applicants' qualifications by analyzing credit and debt profiles.
- Generated business through effective marketing strategies and monthly coordination meetings.
- Achieved 100% customer service satisfaction award for exceptional client interactions.
- Ranked as top refinance producer from 2006 to 2010 consistently.
- Secured top three positions for new purchase closings from 2006 to 2010.
Mortgage loan officer
1st RESIDENTIAL MORTGAGE
04.2002 - 02.2006
Loan Officer Account Representative
UNION ACCEPTANCE CORPORATION
04.1997 - 04.2002
- Made credit decisions for potential car buyers
- Built and maintained relationships with finance managers in San Diego market
- Grew San Diego market from non-existent to top 5 region in company
- Consistently exceeded sales goals and quotas
Education
Bachelor's Degree -
University of Louisville
05.1994
Skills
- Loan origination expertise
- Communication and interpersonal skills
- Risk assessment
- Credit analysis proficiency
Certification
NMLS Licensed in IN, KY, GA, SC and FL
Timeline
Senior Mortgage Loan Officer
STOCKTON MORTGAGE COMPANY
05.2020 - Current
Senior Mortgage Loan Officer
ANNIE MAC
03.2019 - 05.2020
Senior Mortgage Loan Officer
ACOPIA HOME LOANS
09.2015 - 03.2019
Mortgage Loan Officer
CENTURY MORTGAGE COMPANY
07.2011 - 09.2015
Mortgage Loan Officer
WELLS FARGO HOME MORTGAGE
02.2006 - 06.2011
Mortgage loan officer
1st RESIDENTIAL MORTGAGE
04.2002 - 02.2006
Loan Officer Account Representative
UNION ACCEPTANCE CORPORATION
04.1997 - 04.2002
Bachelor's Degree -
University of Louisville
COMMUNITY INVOLVMENT
Habitat for Humanity Volunteer, St. Joseph’s Catholic Church Events Organizer, Parish Council, St. Agnes youth football, basketball and track coach, Eucharistic Minister, Chairman of gambling for annual St. Agnes Carnival