Mortgage and Lending
Cognicorp Mortgage Banking Advisory
Marietta , GA
Providing comprehensive access to scalable and cost-effective off–the-shelf enterprise FHA/VA consultingt & technology solutions customized to outcomes specific to your needs and objectives.
Get to know Tony Gallegos
Cicerone - cic•e•ro•ni (-nē) - A guide or person eloquent in sharing knowledge and inspiring impactful action
After 22 years of building, leading and managing large scale enterprise FHA/VA production entities, most recently as Vice-President and National Retail Government Production Risk Manager at Wells Fargo Home Mortgage (the nations #1 mortgage lender), Tony Gallegos stepped off the corporate treadmill...thus providing rare but powerful evidence it is actually possible for an individual to re-emerge from the corporate collective, even after full assimilation has occurred.
In 1986, Tony began his mortgage banking career at the age of twenty-three. As a mortgage originator, he quickly reached the top one-percent of the industry (412 funded loans in one year) by the time he was twenty-nine.
In 1989, Tony joined a start-up mortgage banking operation and over the next eleven years directed its growth to the point of funding in excess of $2 Billion dollars in mortgage production. Due to the success and remarkable growth, his operational, marketing and sales strategies were highlighted in both the Denver Post and Hispanic Business Magazine.
In 2002, he accepted a position with Wells Fargo Home Mortgage. Tony quickly rose through the corporate ranks and was promoted on average every fourteen months. Subsequently he served in the capacity of Area Sales Manager, National Government Sales Product Manager and to his final position at as Vice-President and National Retail Government Production Risk Manager.
As Vice-President and National Retail Government Production Risk Manager at Wells Fargo Home Mortage, Tony successfully managed the retail production risk and quality of FHA/VA production that exploded from $6 Billion in 2007 to an estimated $30 Billion in 2009. More amazingly, despite record breaking volume increases and a severe shortage of experienced government sales and fulfillment staff, key government quality metrics improved by over 50% during this period.
As a consequence of the 450% plus growth in residential government loan volume, there was a need nationally to train en masse the Wells Fargo team in the intricacies of selling and fulfilling quality FHA/VA loan products. Thus, a critical component of this unprecedented growth involved extensive enterprise wide FHA/VA employee training/assessment and implementation of quality control measures in the origination, processing, underwriting, closing, post closing, insuring, regulatory compliance, loan delivery, servicing and loan administration of government loans.
In addition, Tony has been intimately involved and worked directly with HUD, OTC and the Inspector General (IG) in regards to FHA/VA audits national in scope and scale.
Tony is a University of Colorado (B.S.) and University of California at Berkeley (M.S.) alumnus and will complete an additional Masters Degree in Global Marketing the fall of 2010 at one of the world’s leading academic institutions.
Bachelor of Science - University of Colorado - Graduated with Magna Cum Laude honors
Marketing and Organizational Management
Tony Gallegos's Blog Posts
FHA / VA Training
“Quite frankly, we have constructed a better way for mortgage bankers to train their staff quickly, effectively and affordably. This in turn allows our clients to increase and capture additional Federal Housing Administration (FHA) and Veterans Administration (VA) mortgage market share!”
By utilizing our synoptic baseline training curriculums and conducting a comprehensive consultative analysis of your distinct credit overlays, standard-operating-practices (SOP’s) and technology system requirements, we will integrate an enterprise learning solution that harmonizes with your company’s business goals and objectives.
This is done by providing:
• Impactful knowledge transfer of FHA/VA skills to both individuals and corporate entities utilizing the latest advances in adult education (yes, adults learn differently)
• Comprehensive access to scalable and cost-effective off–the-shelf enterprise FHA/VA training
• Training and technology solutions customized to outcomes specific to your needs and objectives.
Through consultation, integration and training, we empower your organization with the necessary and critical skills to make the right decisions and avoid the costly mistakes that occur when mortgage bankers don’t apply prudent government loan business operating practices.
If you are interested in learning more about FHA/VA learning and consulting solutions, please visit our website at www.mortgagebankingadvisory.com.