William H Kell

Background

About William H Kell

Summary of qualification • A decade of experiences within the financial industries; Banking, Mortgage, Finance, Investment, and Real Estate • I lead by example, keep self motivated, cooperatively work with all levels of pre. • Strong analytical skills and effective communication including excellent listening skills, verbal and written communication skills. • Exceptional understanding of valuation theory, methodologies, formulas, loan details, credit application filing and the analyzing of risk and perils. Value methodologies skills • Ascertain confidence of collateral being pledged to secure a loan. • Navigating rate tiers to categorize client’s credit and income to provide maximum suitability. • Calculate the rate of return on investment products. • Calculate deprecation and loss, such as equity. Factoring both income and liabilities. Regulatory compliance and procedure skills • Stay in accordance with applicable, procedures, laws, regulations, government guide lines, and banking policy and restrictions. • Consumer Financial Protection Bureau, Dodd-Frank Act, Electronic Banking, Compliance • Reg B/ECOA, Reg C/HMDA,Reg E/EFTA, Reg H/Flood Insurance, Reg M/CLA, Reg V/FCRA, Reg X/RESPA, Reg Z/TILA, Reg BB/CRA, Reg CC/EFAA, Reg DD/TISA Networking and communication skills • Keep an established book of business, pipeline, adherence to sensitive time tables, scheduling planning and delivering effective sales strategies. • Network with individuals and companies such as; Realtors, Bankers, Investors to cooperate and coordinate functions, like; attending meetings, open houses and other borrower events. • Result-oriented Sales professional with extensive background in establishing and retaining positive customer relationships, setting the expectation and following up to keep all pertinent parties informed.