When Dave Dillard joined Atlantic Bay, the company not only acquired the wealth of his 35 plus years in the mortgage industry, but they also gained his unique knowledge of both sales and operations. He built his territory throughout the South East region, employed at one of the country’s largest banks. “Over the years I have probably worked with over 1,000 employees at one stage or another, either in operations or in sales,” he says. “I love working with people — seeing people be successful and also finding homes for families.”
However, working for a corporate bank had its drawbacks. Dave often spent more time in the boardroom unraveling red tape than he did improving processes, growing his team, or working with clients. “It wasn’t a whole lot of fun to get up every day because of all the things I had to deal with corporately,” he confesses.
In spite of that atmosphere, Dave had an optimistic outlook. He credits this to his father, Ed Dillard. Integrity, honesty and unwavering optimism — these are traits that Ed was known for in their Asheville, NC community where Dave grew up. “He was always been a positive person — never down, never talked badly about people,” he recalls. “I was fortunate to get that gene.”
Unsurprisingly, Dave has developed a similar reputation for himself in Charlotte. “He is one of the most positive and upbeat people that I’ve ever met and he has such a loyal following,” admires John Wines, Ballantyne sales manager. “I’ve gone to various events with him and you feel like you’re with a celebrity. Everyone knows him and wants to come over to speak with him.”
“I love working with people — seeing people be successful and also finding homes for families.” DAVE DILLARD
After spending decades in a corporate bank environment, Dave needed a company that returned back to the basics of lending. He was impressed by Atlantic Bay’s purchase model in particular. “The mortgage business is really very simple and I think sometimes we make it too complex,” he says. “Atlantic Bay looks at two things: ‘Can a customer repay the loan?’ and ‘Can we sell the loan?’” It became obvious to him that Atlantic Bay was the next step in his career, so he seized the opportunity.
Dave not only appreciates Atlantic Bay’s common sense approach to mortgages, but also the freedom that comes with that model. “My frustrations are simplified at Atlantic Bay because we are not constantly tied up in meetings, so we can do what we do best — put customers into homes.” Additionally, the effectiveness of his operations staff makes his job of recruiting mortgage bankers enjoyable. “Our operations people are so solid and knowledgeable, that our month-ends are very smooth,” he says of his team. “That’s when most mortgage banker’s stress levels go up. We don’t have that at Atlantic Bay. I cannot remember the last time where we’ve had a rocky three or four last days of the month.”
A recently hired mortgage banker excitedly shared her own success story with Dave. She’d funded nearly one million dollars by her second month with Atlantic Bay. “Dave,” she told him, “It’s the best thing that’s ever happened to me.” He hears similar stories all the time. “Usually I’m stressed out and I’m worried about my loans closing, but you guys get them closed and I can move on to the next deal.” Dave says this allows them to trust the system.
Dave knew Atlantic Bay was the perfect fit for him when the leadership explained their vision for the Carolinas region. “I have to smile when I think about it because this was truly why I chose Atlantic Bay,” he says. “I found that the leadership’s philosophy over a two-year period mirrors what I want.” Dave envisions adding over 100-125 mortgage bankers and sales managers in the next 24 months. To handle that increase, he plans to add more team members to his operations center, as well.
Dave says that recruiting is enjoyable because Atlantic Bay’s mortgage bankers are spreading the word, “Hey, I don’t have to worry about my closing.” REALTORS® are also partnering with Atlantic Bay for that same assurance at closing time. “I meet with a lot of people about joining our team and I say, ‘I want you to be able to create more business. I want you to be able to have that REALTOR®, builder, financial planner connection’ — that’s where we take them on the operations side — and it allows you to go on to the next loan, and to the next loan, and to have trust in our operations team and our system to work.”
This is where feedback is essential. Dave personally receives mortgage banker performance reviews from clients based on a five-point scale. “I read every single one. It is very rare that I see a rating below a five.” His goal is to continue receiving those perfect scores and finding ways to improve current processes.
Above all, Dave is passionate about sharing his Atlantic Bay experience. Since joining, he’s never once doubted his switch from the corporate banking world. “Why would anyone not want to work for a great company like Atlantic Bay?” he asks himself every day. “I get the privilege to live and dream it everyday.”
“Why would anyone not want to work for a great company like Atlantic Bay? I get the privilege to live and dream it everyday.” DAVE DILLARD