Carol Napoli

Carol A. Napoli has had a proven record of achievement since she started her sales career in 1980. Working predominantly with start-up companies/divisions she has demonstrated the ability to plan, organize, build and maintain long lasting relationships on a nationwide basis. She has recruited and managed hundreds of branches during her Branch Development tenure over the last twelve years.

Carol started her mortgage banking career in 1986 as the first Business Development Manager for Prudential Home Mortgage Company (PHMC).  She spearheaded and launched their “Mortgage Express” Program throughout the United States.  Once PHMC expanded and implemented regions, Carol was responsible for regional closings in excess of $300 million annually.  She has also worked for Directors Mortgage, spent several years in the sub-prime arena and had two years of self-employment before joining Ivy Mortgage in 1994 where she first learned the intricacies of the net branch concept.  During her 5 -year tenure as Vice President of Branch Development at First National Funding Corporation of America she was responsible for the implementation of its branch concept, created its Branch Orientation Program and managed three Regional Sales Managers and their 54 branches. 

Carol had consulted for America First Financial to assist other licensed mortgage banking entities to develop branch networks.  Upon starting her own consulting firm she created and implemented a training platform for all newly recruited 1st Metropolitan Mortgage Co. branches, which resulted in an 80% reduction of their incoming call volume from new employees.

Carol is the founder of BranchCare Consultants, LLC, which specializes in training, sales, expansion and marketing services for branching companies.  BranchCare Consultants looks forward to assisting other mortgage firms in obtaining their needs and goals on an outsourcing basis. 

Michael L. Sweigart:

Michael L. Sweigart has worked in all categories of the mortgage business.  He started the first decade of his mortgage banking career at Associates Financial Services.  Mike then ventured into the conforming and government business as a top producing Loan Officer for Home Buyers Mortgage.  He switched gears and entered the wholesale arena of mortgage banking as a Business Development Officer for Wells Fargo in their newly established subprime division.  Mike was responsible for training and developing brokers, bankers, chartered banks and S&L’s while working his way to the best income producing BDO (Branch Development Officer) in the Eastern Division.  He continued his career by managing a retail mortgage production office for Old Stone Credit Corp before starting his own mortgage brokerage firm in 1989. His 3 branch mortgage firm was so successful that it was bought out by MCA (Mortgage Corporation of America) in 1997 where he was retained to stay on for another year. 

Mike then ventured into the branching arena of the mortgage industry as Senior Vice President of National Mortgage Banc in 1998.  After developing their Branch Program, recruiting and managing over 20 branches, the company was sold and he continued his branching career with PGM (Pacific Guarantee Mortgage).  As Regional Production Manager, Mike developed nationwide branch relationships.  He was responsible for recruiting, managing and training his network of branches. Utilizing his national contacts, prior to entering the world of consulting in 2003, Mike accepted an opportunity to recruit for 1st Metropolitan Mortgage.  Upon his departure from 1st Metropolitan, the company had successfully reached a nationwide penetration of 350 branches.

Sherrie Adams

Sherrie Adams is an accomplished professional with a career rich in all facets of the mortgage industry. Her twenty years of mortgage industry experience includes management, training and development, consulting, and operations.

Sherrie began her mortgage career at Corestates Bank, which was bought by Wachovia, as a retail mortgage processor. From there she moved into wholesale and realized the need for training loan originators. While still processing, Sherrie trained financial planners, mortgage brokers, and loan officers to help ensure a smooth loan flow to closing.

At Ivy Mortgage, First National Funding and Freedom Mortgage Sherrie developed and delivered a corporate training module for branch operations with the objective of maximum revenue enhancement for the corporate office. She monitored new branches during the ramp up period and fostered ongoing training, including the facilitation of weekly WEBEX online training for branch staff.  She has also been responsible for the development of procedures, implementation and updates of investor products, branch compliance and the daily management of a Corporate Processing Center.

Sherrie has worked as a consultant throughout her career for various companies. At RETC she conducted four day seminars for Loan Officers and Processors new to the mortgage industry. She was an instrumental part in the transitioning phase of the post-closing and delivery divisions of United Jersey Bank and Fleet Mortgage.  At America First Financial Services, Sherrie developed and instituted operations and procedures required for the company to accommodate a network of external branches.

Particular strengths in organization, attention to detail, communication and client relations have helped Sherrie to foster a positive work environment, teamwork, and customer service to branches on a nationwide basis.

Kimbala S. Whittle 

Kim started her mortgage career in 1980 as a Certified HUD Housing Counselor for the City of East Orange, New Jersey.  The mayor selected Kim to oversee many workshops and seminars designed to counsel perspective homebuyers on the importance of homeownership, established budgeting programs for homeowners in foreclosure and acting as a liaison between lenders and borrowers.  Motivated to learn more about the mortgage industry she was sent to Washington, DC and trained as a FHA Mortgage Processor. In 1986 with hard work and determination, Kim became an underwriter for one of most prestigious banking institutions - 1st National Bank in Paramus, New Jersey.  Kim remained at the depository bank until relocating to the Washington Metropolitan Area.

In 1990 Kim was the Operations Manager for First National Mortgage. Over the next 17 years Kim’s passion for the mortgage industry lead to rich and rewarding careers as Processing Manger, FHA DE Underwriter, VA Underwriter, and FNMA/FHLMC Underwriter.

In 2007 Kim’s dream of teaching others is being fulfilled as BranchCare’s industry expert for government lending. She travels around the country training mortgage bankers and brokers with her extensive knowledge, enthusiasm and a little humor. Her focus is sharing her ‘hands on’ experience of how to process and originate loans in the complex world of FHA.