Allyson Kreycik is a senior loan officer at Guaranteed Rate.
Kreycik has ranked among the top loan officers in the country,
consistently moving up the Scotsman Guide’s Top Originators
list. In 2014, she ranked No. 80, followed by No. 72 in 2015 and
No. 70 in 2016. Kreycik also has been a member of Guarateed
Rate’s President’s Club since 2012 and joined the Chairman’s
Circle in 2015. Reach her at email@example.com.
Production Without Sacrifice
Take control of your existence and enjoy a healthy work-life balance
By Allyson Kreycik
Being a successful mortgage originator — let alone an elite producer — isn’t easy. It requires ambition and commitment. It means knowing products and guidelines
inside and out. And it can’t be done without providing
outstanding service to customers and referral partners.
It all sounds extremely demanding and time-consuming. But it doesn’t have to be. In fact, becoming
one of the nation’s top originators while maintaining
a healthy work-life balance is more achievable than
It starts with seeing your job as a means to support the life you live outside the office. Work to live;
not the other way around. If you have a family, make
it your top priority. Whatever your passions are away
from work, don’t neglect them. It is not a tradeoff.
You can be a top producer and still be a devoted
spouse, a hands-on parent and someone with an
extremely fulfilling life.
Working in the mortgage industry has changed significantly over the years. Many originators now work
from home on occasion, allowing them to maintain a
schedule that is better for them and their family. Working from home means avoiding the distractions that
come with being in the office, making you more productive — and just as accessible.
If you have children, this is one more way you can
be there for them. The last thing you want is to miss
out on your son’s or daughter’s childhood. It goes by
way too quickly. Whether it’s attending piano recitals,
soccer games or helping with homework, your children
should always remain your priority.
Regardless of your situation, it’s important to prioritize a balanced week-to-week routine. For some people, that means daily workouts at the gym. For others,
it’s a regular date night with a special someone. Perhaps
faith plays a significant role in keeping you grounded.
Whatever you enjoy doing outside of work, make
sure you make time for it. But be realistic about how
your personal goals may impact your professional
Maximize your time
If you’re a veteran originator, it’s easy to appreciate the
increasing role technology has played in recent years.
Rather than taking an application over the phone, you
can now direct clients to your website or mobile app.
Not only can borrowers handle their own initial steps
towards pre-approval, their information tends to be
more accurate and complete, setting the stage for a
more efficient process.
Finding the right people for your team also is of
crucial importance. Surround yourself with industry
experts who can handle in-process loans. This will free
you up immensely. And if your team members shine,
will take note.
How much time you devote to a loan once it’s been
originated also plays a significant role. Are you devoting half your time to processing? Or are you simply
reviewing and auditing files as they proceed from
application to underwriting to closing?
Find a way to focus on what’s most important —
your clients and your referral partners. Limit your involvement to sales and structuring loans. Once a loan
is locked, trust your team to do their jobs. If you spend
too much time on processing and operations, your
volume will suffer.
Take advantage of the technology your company
offers. You should have access to database tools that
allow you to pull reports on past clients. Whether they
have adjustable rate mortgages that will reset at
higher rates or home equity lines of credit ready for
a refinance, you want to be as proactive as possible.
Best of all, you don’t have to go through individual
files manually. Rely on the technology to alert you.
There is no doubt your overall performance will
improve as a result.
Become more productive
As mentioned earlier, working remotely on occasion
can make you more efficient. It’s all about multitasking.
Send pre-approvals while getting your laundry done.
Help a client find the best loan product while fixing an
afternoon snack for your child. The days go by quickly,
so you have to make the most of every waking minute.
Streamline what you provide to borrowers who seek
pre-approval. Position your team to handle operations
and underwriting, taking those elements off your
plate. Do whatever it takes to get to the point where
you can dedicate your time to prospects and sales.
This may mean learning how to say no. You can’t
make every broker’s open house, but you can sponsor
them. You may not have time for dinner — but what
about coffee? Your time is precious and how well you
spend it directly relates to your productivity. Determine
how to most effectively budget your time, then make
the most of it.
You can have it all
It’s not just a dream. You can have a highly successful
career and a gratifying personal life. Don’t sell yourself short. You just need to find the right balance and
create a situation where you love what you do.
If helping people is your passion, you’re likely in the
right line of work. If you enjoy finance and problem-solving, being an originator is for you. Make it your goal
to wake up every day with a purpose. It’s so important
to enjoy your professional existence.
Set your priorities and don’t let your job run your
life. If you want to be the No. 1 loan originator in the
country, you can pursue that. But understand that you
will have to make sacrifices. Decide how much time
you want to be a parent, wife or husband, keeping
in mind that this decision may impact the number of
loans you originate.
Whatever your priority is, commit to it, invest in it
and make it happen. Life’s too short to settle. ■
For more articles on
View these articles and more at
“Creating a Healthy Culture,”
“Your Career Is a Choice, so Choose,”
“What to Pack for Your Career Journey,”