Banker Spotlight: Michael Trejo
Today we recognize Vice President and Commercial Lender, Michael Trejo, in this Allegiance Banker Spotlight.
At Allegiance, we’re a family composed of the most extraordinary and experienced bankers in the industry. Over the past decade, we have created a unique culture where we not only practice what we pledge each day — but we also serve our communities and each other “The Allegiance Way.” It’s a privilege to acknowledge the incredible employees who live this out.
What He Does
Michael Trejo serves as a Commercial Lender at Allegiance Bank’s 290 location. In this role, he cultivates mutually beneficial relationships as a trusted advisor to both customers and centers of influence. This expertise and commitment helped declare him a winner in the National Association of Hispanic Real Estate Professionals (NAHREP) Battle of the Lenders event in Katy West Houston in 2019.
In addition to his commercial lending focus, Michael has a heart for service and is passionate about helping first-time homebuyers. He is a key team member devoted to the Allegiance Advantage program, which was established three years ago to help meet the credit needs of our communities.
Through the program, Allegiance Bank offers credit to low-to-moderate income individuals with a low down payment requirement, no origination fee, no private mortgage insurance and credit provided to assist with closing costs. Throughout the life of the program to date, Allegiance has helped over 135 families purchase a home.
He is currently working with the Allegiance Bank leadership team to explore what is ahead for the aggregate Allegiance Advantage Mortgage portfolio. After sustained month-over-month production growth, the program broke the $2 million mark at the end of 2019. With the support of 290 Bank Office President Brad Bouillion, Michael has been working to execute a business plan to not only sustain that production level, but set the portfolio up for future growth.
How He Does it
Michael notes that originating a large volume of TRID loans takes a village, including analysts, frontline staff, TRID and compliance departments. The unifying goal between all areas is the desire to get customers to closing on time, with no delays.
To that end, it’s important that Michael helps set everyone up for success by proactively managing timeframes and expectations of Allegiance Bank team members, customers and realtors. Michael recognizes that this approach not only helps him best serve his customers, but also honors his coworkers.
One of the things that Michael enjoys most about his role at Allegiance is the ability to incorporate his entrepreneurial spirit into his everyday work. He also feels supported and empowered to make decisions, which are values that he greatly appreciates in his work.
Throughout Michael’s professional tenure, he has consistently looked for ways to exceed expectations. For much of his banking career prior to joining Allegiance, he served in a management role. Recently, Michael found himself missing the coaching and development opportunities that his prior roles afforded him, so he made a decision that shifted his mindset and approach. He started championing the notion that you don’t have to be a manager to lead and chose to start leading wherever he could add value to the bank.
Life Outside the Bank
Michael and his wife stay happily busy with their family of six daughters and two granddaughters. He also serves on the Board of Directors for Houston Business Development, Inc. (HBDI), Neighborhood Recovery Community Development Corporation (NRCDC) and Community Loan Center of Greater Houston.