Thomas Pinkowish works in mortgage and consumer lending at the national, state, and local level as a lender, educator, and consultant. Over his twenty-nine year career, Tom worked with regulators, government agencies, thrifts, community banks, credit unions, and national trade associations, as well as local and national mortgage companies.
As an educator, Tom served for fifteen years as Director of the National Mortgage Institute and Community Lending Institute for the American Bankers Association and America's Community Bankers. He serves as a Director for the Connecticut Mortgage Bankers Association and is its Education Committee co-chair. He also works in course evaluation and auditing for the Nationwide Mortgage Licensing System (NMLS) and was invited to help design the National Component of the SAFE MLO Test.
Tom has twenty years of experience designing and teaching courses for hundreds of bank, credit union, and mortgage banking employees, as well as their state and federal regulators.
As a lender and consultant, Tom worked in lending and compliance with lenders ranging from $11 million to $70 billion in assets. He held management positions in: residential and consumer lending; secondary marketing; loan servicing; compliance; and operations. In addition to managing lending departments and staff, Tom's experience includes: underwriting in over 31 states; integrating mortgage banking operations into community banks; redesigning loan origination and servicing departments; and developing policies, procedures, and operations for residential, consumer, construction, income property, and secondary market lending.
Tom is on the board of directors of the CT Mortgage Bankers Association and a corporator for a CT community bank. He is a 1998 graduate of America's Community Bankers' National School of Banking and a 1992 honors graduate of the Connecticut School of Finance and Management.
He published several articles individually and is author of the industry standard textbook, Residential Mortgage Lending, Principles and Practices (6th edition), published in May, 2011.
This webinar course provides an overview of four areas to help retail branch personnel counsel their customers for mortgage financing in purchase transactions:
- Compliance Concerns and Acceptable Practices
- Home Purchase Transaction Practices I
- Home Purchase Transaction Practices II
- Home Purchase Mortgage Programs
The course combines teaching modules that includes:
- Technical mortgage information
- Skills development on how to deliver this information to customers
This program will help develop consumer contact / retail branch personnel who are comfortable in a consultative sales approach to meet their customer's mortgage financing needs.
This course is highly interactive, with several short exercises to engage the students. Class discussion and participation is encouraged.
Other sessions in the Counseling the Consumer series provide guidance on:
- Refinance transactions
- Specialized mortgage loan programs
- Specialized transactions (new construction, etc.)
- Each session uses exercises to help develop your skills