Pinnacle Capital. mortgage corporation

Transcription

1 Pinnacle Capital mortgage corporation

2 Who We Are Our Core Values Today, mortgage companies are defined and evaluated by different criteria than in the past. Production numbers are still critical, but quality rules the day. More and more, mortgage professionals are carefully considering the companies they work for. Quality, financial strength, platform and culture have become the benchmarks by which companies are measured by career-oriented mortgage professionals considering a move. Our company s success is fueled by these four core values. We hold these to the highest importance in everything we do. With over 1,800 employees, Pinnacle Capital Mortgage has funded nearly $15 billion in volume in the last two years! We have defied the odds, growing more than 500% in employees, volume and units since our inception in 2008; one of the most challenging periods in the history of the industry. Exponential growth in a severely challenged market is one evidence of our strength - considering Pinnacle Capital Mortgage is licensed in only 12 states. In addition, Pinnacle Capital Mortgage is a well-capitalized company with the financial strength, stability and capacity to grow our production to $1 billion per month. The ability to expand in this climate is due primarily to our commitment to quality. We maintain one of the highest scoring quality and performing portfolios in the industry. That performance has created a unique opportunity to continue that growth in the midst of market contraction. Mortgage companies are not all the same. As you evaluate the options of who to lend with, consider these advantages: financial strength, quality, platform and culture. Our employees are held to the highest standards, living and breathing our four core values every day. Come experience the Pinnacle difference. Positivity We consistently maintain a positive attitude in everything we do Excellence We strive for excellence by pursuing continual improvement in every aspect of our business Teamwork We can always achieve more by working together Empowerment We empower others by giving them every opportunity to succeed

3 Where We Lend Leadership Team Our corporate office is headquartered in Roseville, California, with additional production centers located in Concord & Folsom, California, Portland, Oregon, and Phoenix, Arizona. In addition to our four Regional Fulfillment Centers, we currently have over 200 Retail Branches that work under the Pinnacle Capital Mortgage umbrella, and have over 1,800 employees. We currently lend in: Arizona, California, Hawaii, Idaho, Colorado, Nevada, Utah, New Mexico, Montana, Oregon, Alaska and Washington. Robert Boliard President Robert was principal of Boliard, Takasugi & McBride, LLP ( BTM ), an accounting firm specializing in the mortgage banking industry. BTM performed financial counseling and audits, loan servicing, and compliance audits. Dave Striplin SVP Loan Production Dave has over 24 years experience in the mortgage industry, primarily to develop nationwide production platforms for prime lending. His previous experience includes National Production Manager for Mortgage Investors Group and prior to that, Dave ran the Western division production at Loancity and Fleet Mortgage. Bill Johnson Chief Financial Officer (CFO) Bill has 25 years of experience running finance organizations for large and small companies; 13 years in the mortgage banking arena. Bill s day-to-day responsibilities include treasury management functions, account, human resources, payroll, servicing and warehousing. John Gezi Capital Markets John has 21 years of experience in Secondary Marketing and Capital Markets. John s team is responsible for pricing, hedging, trading, loan sales and product development. During these 21 years, John has worked for a depository banking institution, publicly traded companies and privately held mortgage banks.

4 Production Highlights Accolades Our production is strong, and still growing. We have closed over 120,000 home loans since the founding of Pinnacle Capital Mortgage in We are currently licensed in 12 states throughout the Western U.S., and have over 200 retail offices in 11 of those 13 states. PCM currently employs over 1,000 Mortgage Advisors with an additional 800+ support staff working in Branch Locations, Regional Fulfillment Centers and our corporate offices. When many other mortgage companies have contracted their operations, we continue to grow into the markets that fit into our business and production development plans. Pinnacle Capital Mortgage has been ranked in the Top 10 Mortgage Lenders by the Scotsman Guide for the last 2 years PCM has funded over 10,600 FHA loans since late 2008 with an excellent compare ratio that shows our experience in Government lending (55) $3.5 billion $4.7 billion $5 billion $7.6 billion $7 billion $5.7 billion FNMA, FHLMAC and GNMA approved Seller/Servicer with over a $5 billion serivicing portfolio PCM s Retail Divsion has won numberous awards including: Oregon Business Magazine 100 Best Companies 3 years in a row Phoenix Business Journal Best Places to Work

5 We re Here For You! Once you are officially on board with Pinnacle Capital Mortgage, we will have all the tools you need to get your business jump-started in a hurry! On your first day, your account manager will be delivering you a PCM Welcome Kit that is full of PCM branded materials for you and your customers to get to know us. You will be receiving your first box of business cards, marketing samples and other materials to help brand your business with Pinnacle Capital Mortgage. Turn-key marketing materials are available from our corporate marketing department - Whether you are looking for postcards, flyers, templates or business cards - we ve got you covered! Add your name, phone number, MLO# and hit print! You also have the ability to order large quantities of flyers or postcards through our corporate store - all customized to you. Marketing expenses can also be deducted from your payroll on a pre-tax basis.

6 PCM has the tools to help you keep track of your business! In this ever increasing, technology driven environment, we understand the importance of keeping everyone informed, and how convenient the mortgage process needs to be for your clients and business partners. Pinnacle offers a fully integrated CRM that can help keep track of your clients - from the day the application is signed until 5 years after your borrower s loan has funded. You can co-brand with your realtors to your clients on a number of different campaigns, all to keep you Top of Mind! With Pinnacle Capital Mortgage s mobile app, you will have another tool to help keep your clients and your realtors in the know! With real-time push notifications to your clients and business partners, text messaging options, the ability to share documents and much more. All from your smartphone or tablet. We also have a mobile application that can help you, your borrowers and your realtors stay in the loop for pertinent milestones throughout the loan process. You even have the ability to share documents with your clients, such as: Pre-Approval Letter, LSU, Appraisal, and so much more!

7 Southwest Regional Operations Center The Southwest Regional Operations center is located in Phoenix, Arizona. After opening in October 2009, the center has encounted exponential growth in volume and staff. The operations and underwriting staff in Phoenix handles the volume from all office locations within the region: Arizona, Utah, Colorado and New Mexico. Community Cares is PCM s 401c3 non-profit organization that sponsors one to three foundation(s) that employees vote on annually. It provides monthly drives employees can participate in and provides group activities to support foundations and looks for individuals to help in time of need. Community Cares inspires others to Pay it Forward and impact others. Our Mission: By providing our time and resources, the Community Cares program will strive to ensure a better quality of life and promote excellence within our community. Brad Allen Regional Vice President, Southwest Production Center Brad has over 20 years of experience in the mortgage industry, developing mortgage sales and operations teams. His responsibilities at PCM include overseeing day-to-day sales and operations for the Southwest Region which includes the states of Arizona, Colorado, New Mexico and Utah. Scott Doren Regional Sales Manager, Southwest Production Center Scott has over 20 years of experience in mortgage lending ranging from loan origination to Senior Management. Scott s extensive knowledge, understanding of industry rules and regulations, brings value and support to his teams guiding them to success. This personal touch enhances his formation of key relationships bringing opportunity to others and PCM.