Michael Rist

Examiner
DISC Type : cs

Mortgage Loan Originator at United Home Loans

West Chester, Pennsylvania, United States

Overview

Michael is a seasoned relationship manager with a 25-year career in banking, specializing in commercial lending and complex credit structuring for business clients. A graduate of Temple University, he now applies his extensive experience to the residential mortgage sector, focusing on efficiency and client support.

He is passionate about community involvement, particularly in the West Chester area, and actively seeks local events to support. Michael also shows a strong interest in charitable causes, following organizations like the American Cancer Society and St. Jude Childrens Research Hospital.

He operates on the core belief that strong, lasting relationships are fundamentally more important than individual transactions in the financial world.

Personality Overview

Overcautious

Unexpressive

Tough To Convince

The only way to convince them is by showing them examples and ample proof.  They are heavily focused on quality and prefer doing things the right way, even if it takes time. They tend to be clear about their needs and limitations and are unlikely to promise too much.

Topics They Care About

Relationship Banking
Throughout his 25-year career, he has prioritized building strong client relationships over transactional banking, a principle he continues to uphold.
Community Engagement
He is actively looking to deepen his involvement within the West Chester community and is eager to attend and support local events.
Commercial Lending
Leverages decades of experience structuring complex credit and treasury management solutions for business and middle-market clients.

Media Appearances

Michael has no verified media appearances

Work History

3-2025
Mortgage Loan Originator at United Home Loans
2-2022 - 8-2024
Senior Vice President at First Bank NJ
9-2019 - 12-2021
Senior Vice President Commercial Lending at First Resource Bank PA
1-2018 - 9-2019
Vice President at DNB First
11-2009 - 1-2018
Vice President and Senior Relationship Manager at M&T Bank

Education

Bachelor's degree from Temple University

More Information

Social Presence :

Prographics :

Exp : 15 Location : West Chester, Pennsylvania, United States Job Level : N/A Designation : Mortgage Loan Originator at United Home Loans
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Insights For Selling To Michael

During A Call Or A Meeting

DO's

  • Expect them to be vague in response to your questions, ask firmly and pointedly
  • Ask them which other stakeholders would be important for this purchase decision
  • First of all, focus on building their confidence by sharing examples, case studies etc.

DONT's

  • Don't use phrases like 'do not worry', 'i promise' etc.
  • Don't rely on relationship building even if they act pleasantly
  • Don't be very accepting if that is your natural style, stay firm

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Michael is

  • Proof of usage by others in the industry, case studies showing ROI are likely to work the best with them.
  • Will you ever get a clear answer from Michael

  • Often, they don't say no, or keep going about it in circles.

Insights For Deal Planning

    How fast (or slow) will Michael move?

  • They are some of the slowest movers and take their time reaching decisions.
  • Can Michael take some risk or not?

  • They have very low acceptance of risk even if they do not say it directly.

You And Michael

Personality Compatibility


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