Open to opportunities

kevin fabian

@kevinfabian

Message

Experienced loan officer and debt settlement specialist focused on ethical, compliant outcomes.

United States

Message

What I'm looking for

I’m looking for a role where my ethical sales skillset and long underwriting-to-enrollment experience drive compliant client outcomes. I want a team that values accuracy, objection handling, and process discipline to grow in today’s market.

I’m a results-driven financial sales professional with 20 years of experience, including 16 years as a loan officer. My focus is aligning ethical sales practices with disciplined execution so I can help clients and teams succeed in today’s market.

Right now, I’m working as a Loan Officer at Finance (since 10/2025), originating HELOAN & HELOC second position mortgages using Encompass, Salesforce, and Five9 phone systems. I also hold active NMLS licensing across CA (DFPI and DRE), AZ, FL, TX, WA, and NC, and I’m committed to staying compliant and client-first throughout the process.

Alongside mortgage lending, I’ve spent recent roles as a Debt Specialist, enrolling clients into debt settlement programs and managing live transfers, objection handling, and enrollment flows. I’ve used tools like Relintex CRM and Fourth DPP, maintained strong infraction compliance scores under 15%, and was awarded “SALES EMPLOYEE OF” at Mass Tort Strategies and Purple Financial. Earlier, as a Credit Manager at Equinox Home Financing, I handled loan application review, underwriting support, income calculations for both traditional and Non-QM programs, and loan findings for DO Fannie Mae and LPA Freddie Mac.

Experience

Work history, roles, and key accomplishments

Current

Loan Officer

Current

Finance

Oct 2025 - Present (8 months)

Originated HELOAN and HELOC second-position mortgages using Encompass, Salesforce, and Five9 phone systems.

Loan Origination HELOAN Encompass Salesforce Five9 Mortgage Compliance Sales Pipeline Management

Current

Debt Specialist

Current

Advantage 1 Financial

Received live transfers from in-house agents (Mexico & Philippines), presented loan options and pivoted clients to debt settlement enrollment using DPP, Salesforce, and the Evo loan portal.

Live Transfer Triage Salesforce Evo Loan Portal Loan Program Matching

Debt Specialist

Countrywide Debt Relief

Nov 2024 - Jul 2025 (8 months)

Took live transfers from partnered broker AMONE and enrolled clients into debt settlement programs using Relintex CRM and objection rebuttals through the enrollment process.

Debt Settlement Live Transfers Rebuttals Relintex CRM Lead Qualification Enrollment Process Sales Pipeline Compliance Focused Intake Customer Onboarding

Debt Specialist & Legal Intake

Mass Tort Strategies and Purple Financial

Jul 2024 - Oct 2024 (3 months)

Enrolled clients into debt settlement plans using Fourth DPP and gathered required criteria for legal retainers tied to mass tort lawsuits, maintaining an infraction compliance score under 15%. Awarded Sales Employee of the Month (1/2025).

Debt Settlement Legal Intake Fourth DPP Compliance Monitoring Objection Handling Mass Tort

Debt Specialist

Win Street Financial

Mar 2023 - Jun 2023 (3 months)

Enrolled clients into debt settlement plans affiliated with Alleviate Financial Solutions and Guardian Litigation Group LLC by completing the required client intake and enrollment steps.

Debt Settlement Client intake Program Enrollment Compliance Aware Intake Eligibility Verification Documentation Review

Loan Officer

Equinox Home Financing, Inc

Jun 2021 - Aug 2022 (1 year 2 months)

Served first-time home buyer clients and originated a full range of mortgage products, including down payment assistant programs, MCCs, conventional loans, and HELOCs, as well as non-QM options such as alt doc and bank statement mortgages.

Mortgage Origination First Time Buyer Support Down Payment Assistance FHA VA Familiarity Bank Statement Mortgage

Loan Officer

Equinox Home Financing, Inc

Nov 2015 - Sep 2020 (4 years 10 months)

Specialized in first-time home buyers and originated traditional and non-QM mortgage programs, including down payment assistance programs, FHA, VA, Conventional, Jumbo, and HELOCs.

Mortgage Lending First Time Buyer Programs FHA VA+Down Payment Assistance Non QM Lending

Credit Manager

Equinox Home Financing, Inc

May 2016 - Apr 2019 (2 years 11 months)

Reviewed loan applications from internal and outside loan officers, structured submission-ready loans across FHA/VA/Conventional/Jumbo and Non-QM bank statement/investor programs, and managed credit, FNMA registration, pricing, locking, and loan findings for DO and LPA.

Credit Analysis FNMA Fannie Mae DO Findings Freddie Mac LPA Findings FHA VA Conventional Jumbo

Assistant Vice President of Sales

Freedom Mortgage Corporation

Feb 2015 - Jun 2015 (4 months)

Led CA DOC–licensed loan origination across 30 states by qualifying borrowers, completing applications within company guidelines, running credit DU findings, and driving client follow-up and document recovery for FHA, VA, Conventional, and HARP 2.0.

Mortgage Sales Loan Origination Credit DU Findings Application Processing Compliance Driven Document Recovery

Loan Officer

Sovereign Lending Group

Feb 2014 - Oct 2014 (8 months)

Originated 1003 applications in Encompass LOS using VA IRRRL direct mail, live transfers, and outbound solicitation via Velocify, while analyzing credentials against loan guidelines and overlays and managing borrower document collection through commitment.

Encompass 1003 Applications Velocify Lead Management Pipeline Management

Assistant Vice President of Sales

Freedom Mortgage Corporation

Oct 2012 - Sep 2013 (11 months)

Originated CA DOC–licensed mortgage loans in 30 states using inbound and outbound marketing, qualified borrowers for appropriate programs, completed applications per company guidelines, and managed credit DU findings and document follow-up.

Loan Origination Credit DU Findings FHA VA Conventional Jumbo Familiarity Inbound Marketing

Loan Officer

Forum Mortgage Bancorp

Jun 2008 - Sep 2012 (4 years 3 months)

Completed 1003 mortgage applications and coordinated documentation and communication through purchase transactions with borrowers and third parties, including attorneys, across conforming and jumbo refinance/purchase deals.

Mortgage Origination 1003 Applications Conforming Loans Jumbo Loans Documents Third Party Coordination Client Communication

Debt Specialist

Done With Debt

Enrolled clients into debt settlement plans using inbound campaigns and follow-up outbound dialing, averaging 16 units of debt enrollments and maintaining strong compliance scores during tenure.

Debt Settlement Enrollment Compliance Management Sales Forecasting