As chief innovation officer at Quontic, Patrick Sells is an award-winning leader who has been recognized for his digital innovation in banking. Sells led the digital transformation of Quontic from a struggling community bank to a nationally recognized digital bank which is now at the forefront of many technology breakthroughs. Stepping into his role, his strategy was to combine today’s Millennial workforce with experienced and open-minded leaders at community banks to create a powder keg for innovation. Sells says he believes innovation means taking a new approach by doing things differently and reframing existing processes, and through his role at Quontic, he is changing how banks operate today. Quontic offers a community development loan program, through which they can lend to non-traditional borrowers, such as immigrants, commission wage earners or self-employed people with an inability to document income traditionally. Under Sells’ leadership, Quontic launched a national wholesale mortgage division, which is quickly growing and has increased the footprint of Quontic with new lending offices. Sells and the wholesale lending team have used technology to offer new, accessible refinance solutions. Underwriter decision efficiency has increased 75% from January to September 2020, openings increased 170% from January to September 2020, and loan originations increased 131% from January to August 2020.