Fifth Third Bank

Mortgage Loan Originator

Truist

Senior Mortgage Loan Officer, Vice President, NMLSR # 546553

Regions Bank

As a  Senior Mortgage Loan Officer, I establish and maintain positive relationships with existing and potential customers. In addition, I promote and develop relationships with referral sources such as realtors, and other groups to generate mortgage leads.

Other responsibilities include:

♦ Interview applicants and requests appropriate credit documentation and specified information
for loan application.

♦ Analyze applicant’s financial status, credit and proposed property transaction to determine
appropriate loan program.

♦ Provide excellent customer service and solves customer-related problems quickly.

To learn more about my experience, please feel free to connect with me on LinkedIn.

Senior Mortgage Loan Officer, Vice President

Food Bank of Central & Eastern NC

Food Bank of Central & Eastern North Carolina is a nonprofit organization that has provided food for people at risk of hunger in our 34 county service area for over 35 years. The Food Bank serves a network of more than 800 partner agencies such as soup kitchens, food pantries, shelters, and programs for children and adults through 6 branches in Durham, Greenville, New Bern, Raleigh, Sandhills (Southern Pines) and Wilmington.

As a one of the Board of Director, our mission for the organization is, 'No One Goes Hungry in Central & Eastern North Carolina'.

OUR VALUES
♦ Nourished People
♦ Built Nutrition
♦ Built Solutions

OUR RESULT

✔ 70 million pounds of food and other essential items were distributed by year end (+5.6 million pounds). 
✔ 23.3 million pounds (37% of total) fresh produce distributed by year end. 
✔ We launched the Department of Community Health & Engagement in the fall of 2016.

To know more about our accomplishments in this organization, please feel free to connect with me and send me a message.

Board of Directors

Bank of America

Bank of America Corporation is a multinational banking and financial services corporation headquartered in Charlotte, North Carolina. It is ranked 2nd on the list of largest banks in the United States by assets.

I was recruited by Bank of America to sell and originate residential mortgage loans according to established policies, procedures, applicable legal, and regulatory guidelines..

♦ Ensured applications are completed accurately and contain required information and supporting documentation.Manages Customers’ expectations regarding processing times and closing dates.

♦ Generated referrals for mortgage sales opportunities and sales of other Company business line products.

♦ Developed plan to achieve sales goals with assistance from sales management.

Mortgage Loan Officer

In 2004, I joined Bank of America to open and process clients accounts, focusing on providing excellent customer service. In this role, I developed and maintained relationships with local real estate agents. 

♦ Promoted and sold bank products beneficial to clients

♦ Maintained strict confidentiality of bank records and information

♦ Created strategies to develop and expand existing customer sales

Personal Banker

With over 20 years in the financial industry as a Mortgage Loan Officer/VP, I've dedicated my career to serving healthcare professionals and high-net-worth individuals with specialized lending solutions that match their unique needs.

My expertise centers on two key areas:

📊 Physician & Healthcare Professional Lending

*Specialized loan programs designed for doctors, dentists, optometrists, veterinarians, and other medical professionals
*Deep understanding of physician compensation structures and student loan considerations
*Portfolio lending solutions that account for your unique financial situation
*Programs that minimize down payment requirements while maximizing borrowing potential

🏗️ Construction-to-Permanent Lending

*Guide clients through the entire building process, from lot purchase to final construction
*Streamlined single-close construction loans that convert to permanent financing
*Expert coordination with builders, architects, and other stakeholders
*Specialized construction draw management and timeline oversight
*Solutions for custom home building that match your vision

Our commitment to white-glove service throughout your journey sets my team apart. We understand that healthcare professionals and successful entrepreneurs have demanding schedules, so we've built our process to be efficient and respectful of your time. From initial consultation to closing, you'll have direct access to my expertise and regular updates on your loan's progress.
I believe in building relationships, not just processing loans. My goal is to be your trusted mortgage advisor for life, helping you make informed decisions about your real estate financing needs.

🤝 Let's connect if you're:

*A healthcare professional looking for specialized physician loan programs
*Planning to build your dream custom home
*Seeking portfolio lending solutions for unique situations
*Looking for a mortgage partner who understands your professional journey

Contact me directly to discuss how we can help you achieve your real estate financing goals.

Chris Roberts

Guaranteed Rate

⦁	Led a high-performing underwriting team to meet compliance, quality, and service level expectations.
⦁	Managed mortgage underwriting pipelines, ensuring adherence to investor and agency guidelines.
⦁	Ranked in the top 5% for annual production and quality in 2023 and 2024.

Regional Underwriting Manager/ Underwriter

Wilson Bank & Trust

⦁	Acted as a primary advisor to the Mortgage President on operations, policy, and training.
⦁	Managed mortgage compliance related to federal regulations (Reg B, Reg Z, HMDA, ECOA, Fair Lending).
⦁	Implemented product enhancements to improve efficiency and client offerings.
⦁	Led pre-funding and post-closing audits, presenting findings to the Board of Directors.
⦁	Handled external audits with FNMA, FHLMC, HUD, VA, and USDA.
⦁	Obtained Fannie Mae direct seller/servicer authority for the bank.
⦁	Spearheaded successful Affinity Lending Channel expansion, securing over a dozen corporate partnerships.
⦁	Secured condo PERS approvals for 5 new builders, increasing loan opportunities by $10M+.

VP- Compliance Manager & Centralized Business Development

Regions Financial Corporation

⦁	Managed a team of 15 underwriters handling FHA, VA, USDA, and portfolio loans up to $2MM.
⦁	Led responses to agency repurchase demands and post-closing audits.
⦁	Achieved top-tier Gallup Poll results (2015-2017) for employee engagement.
⦁	Graduate of the Emerging Leaders Program (2015).
⦁	Developed new compliance strategies to enhance operational efficiency.

AVP, Underwriting Manager (DE)

Allied First Bank

⦁	Developed and implemented mortgage quality control procedures for compliance with FNMA, FHLMC, FHA/VA.
⦁	Conducted audits, compliance reviews, and training sessions for regulatory adherence.
⦁	Worked on process improvement initiatives to strengthen compliance and product offerings.

Mortgage Quality Control Officer

PMAC Lending Services Inc.

Underwriting Operations Manager

JPMorgan Chase

AVP, Underwriting Manager

A results-driven financial leader with 20+ years of experience in underwriting, risk assessment, and compliance management. Proven ability to drive change, enhance efficiency, and improve regulatory adherence across multiple business lines. Adept at mitigating financial risks, optimizing productivity, and leading high-performing teams to exceed organizational goals.

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The Battle

Chris Roberts

Brad Timson

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