Stephen T. Kovalcik
Wells Fargo Home Mortgage Private Mortgage Banking
- Role
- Mortgage and Banking Professional at Banking Professional
- Location
- Chicago, IL, US
- LinkedIn followers
- 500 followers
About Stephen T. Kovalcik
One of the industry leaders in Residential Mortgage Lending and Banking. I have over 30 years total experience as a Mortgage Professional. Strong analytical, interpretive and problem-solving skills. Underwriting professional who increased market penetration with improved service and faster response times. Managed individuals responsible for credit underwriting and funding. Fiscal monitoring of department to determine costs, effectiveness, and compliance with all applicable State and Federal regulatory agencies. Goal driven results orientated Finance Manager with extensive experience implementing strategic planning management. Through these proven methods I have seen significant increases in sales production and revenue. These qualities are evident throughout my career. Raised income on a mortgage portfolio by 50% in less than three years. Launched wholesale divisions at two Banking Institutions. Have in-depth knowledge of inner workings of the mortgage business and mortgage models to determine underwriting standards and failure rates. Increased client base over 500% through dependable, reliable and knowledge based customer service skills. I am bringing this focus to the current Mortgage environment with the same successful results. Using state-of-the-art follow-up systems to provide superior service maintaining the highest customer satisfaction. My business is referral based. Experience Excellence in Mortgage Lending. NMLS #10•••65 My Specialties Include-Servicing Residential Mortgages -Originating Mortgages -VA Loans -FHA Loans -HARP Loans -Purchase Loans -Single-Family Loans -Multi-Family Loans -Investment Property Loans -Income Analysis -Marketing -Consulting
Experience
Mortgage and Banking Professional
Oct 1983 — Present · Chicago, IL, US
Skills
- Credit Analysis
- Fha
- Loans
- Reverse Mortgages
- Mortgage Banking
- Certified Mortgage Planning
- Portfolio Management
- Refinance
- Residential Mortgages
- Loan Origination
- Mortgage Lending
- Commercial Lending
- Banking
- Fha Financing
- Mortgage Underwriting
- Finance
- Funding
- Credit
- Underwriting
- Va Loans
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