Kyle M.

Roaf
Tualatin, OR 97062 Cell (503) 680-6000 kyle.roaf@yahoo.com
NMLS ID#674099

Professional Summary
Accomplished and passionate executive leader with proven management and leadership skills. Depth expertise in residential real estate loan production. Recognized as an energetic leader with a reputation for developing a strong sales team, with an emphasis on customer service and revenue generation.

______________________________________________________________________ Core Skills & Competencies

Technical Acumen Depth Knowledge: Retail & Residential Loan Originations Excellent Communication Skills Revenue, Sales & Profit Growth P&L Responsibility Regulatory Compliance Customer Focus Public Speaker Customer Satisfaction Sales Aptitude Leadership Results Oriented Team Development Multi-Site Management Strategic Planning/Direction Personnel Management Coaching through change

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Professional Experience
HomeStreet Bank, Seattle Washington (1989-2012) Diversified financial services company headquartered in Seattle, WA., serving consumers & businesses in the Pacific NW & Hawaii. A Washington state chartered savings bank with 20 retail banks and 24 standalone lending centers in WA, OR, Idaho, & Hawaii. Regional Vice President (2000- 2012)

Responsible for business development of residential mortgages in Oregon & SW Washington retail locations. Production includes the origination of Fannie Mae, Freddy Mac conventional loans, FHA/VA, FHA 203(k) renovation, and USDA loans, according to investor guidelines. Lead the production team through coaching, mentoring, and performance management to meet or exceed objectives. Provided strategic planning for production growth, recruiting & training of personnel. Partnered across bank departments for excellent customer service and revenue generation. Researched and designed compensation plans to attract and retain personnel, while driving behavior toward company desired objectives. Recruiting efforts more than doubled the sales force, from 22 originators up to 49, with production volumes exceeding 400% in growth. Held branch managers and loan officers

accountable on strategic plans, implementing a purchase business focus. Increased percentage of purchase business volume, loans closed per loan officer, and branch profitability. Managed & coached through regulatory change. Oregon Production Manager (1997-2000)

Responsible for residential and construction lending in Oregon & SW Washington, to include builder/developer speculative financing. Restructured the region adding two additional branch locations. Centralized operational support, creating efficiencies in the process. Recruited and trained branch sales managers, coaching & mentoring on marketing activities, providing strategy and support. Monitored results for volume, profitability, compliance, and customer satisfaction. Salem Branch Manager (1992-1997)

Responsible for all branch personnel and production efforts. Lead the branch from loss to profit, in less than two years. Accomplished through recruiting of additional loan officers, growth of production volume, and controlling of expense. Branch grew from 6 employees to 11 within two years, increasing volume by 243%. Implemented Spec Construction lending, sourcing Builders, preparing financial analysis & recommendation for loan committee presentation. Accomplished through market research, networking, and community involvement. Captured majority share of Salem's highest volume Builder within first two years. Residential Loan Officer (1989-1992)

Responsible for origination of conventional & FHA/VA loans. Networked real estate agents, CPAs, insurance agents, and financial planners. Held educational seminars for home buyers/investors, and provided Realtors with continuing education courses. Recognized as the Top Producer of the Tigard branch within 24 months.

______________________________________________________________________ Education
1994 Graduate, MBA's School of Mortgage Banking 1984 Graduate, Oregon State University; Bachelor of Science - Business & Financial Management Building Champions- Retail Production Leader Workshop (April 2011) Xinnix- The Mortgage Academy of Excellence

______________________________________________________________________ Professional Affiliations

Oregon Mortgage Lenders Association (OMLA)- Board Member, two terms. Golf committee chair three times, committee member eight times. Moderator for Residential committee on numerous events. Pacific NW Mortgage Lenders Conference (PNMLC)- Conference Chair, Moderator, committee