Highly motivated and performance-driven Real Estate professional with sixteen years of experience in managing the financing of real estate projects both on the residential and commercial markets.
Dedicated employee with high integrity, strong work ethic and driven to exceed customer service, retention and sales goals.
Education
University of North DakotaGrand Forks, NDExpected in ā āBachelor of Arts:Communications/Public Relations - GPA:Communications/Public Relations
Professional, accurate and timely closing of residential construction, purchase and refinance loans.
Provided excellent customer service to clients by explaining their loan documents, timely processing of loan payoffs and follow through on sending completed/executed closing packages to lenders and clients.
Examined and cleared title by obtaining payoffs for loans and mechanic liens, verifying whom was going into title, and verifying that real estate taxes and assessments were current.
Other office duties include scheduling closings, packaging loan documents for overnight mail, initiating wires for loan payoffs and general office duties.
Mailed bills, contracts, policies, invoices and checks.
Crc Insurance Services, Inc. - Underwriter Las Cruces, NM, 03/2012 - 02/2013
Underwrote residential consumer loans with significant emphasis on loan quality, volume and adherence to credit policies and guidelines.
Provided in-depth analysis of each complete loan file including but not limited to: income, tax returns, appraisals, loan to values, debit to income ratios and personal credit reports.
Reviewed files, records and other documents to obtain information and respond to requests.
Maintained excellent relationships with external and internal customers.
Advent Software - Senior Relationship Manager Los Angeles, CA, 08/2005 - 06/2011
Managed my own portfolio of residential construction loans including origination, processing and closing of interim construction loans for large complex custom home projects.
During this 6 year period originated over $100 million in loans, closed 132 loans and generated approximately $540K in fee income for the bank.
Established large referral network source of business through personal and group presentations to custom home builders, private mortgage bankers and home mortgage consultants.
Maintained a 95% customer service satisfaction rating.
Successfully negotiated, managed and resolved ten large loans in 2008 due to mechanic liens, loss of employment, restricted credit guidelines and overall economic conditions.
Managed all construction draws and preformed detailed financial analysis on projects to keep loans in balance through completion of construction.
Capital One - Relationship Manager Milford, VA, 05/2002 - 08/2005
Provided in-depth analysis, due diligence and real estate expertise on commercial real estate loans to Business Bankers, Auto Finance Group and Small Business Banking groups within Wells Fargo.
Managed an on going pipeline of approximately twenty commercial real estate loans at any given time.
Prepared written collateral analysis reports (CAP's), managed the review and analysis of appraisals, surveys, title commitments and environmental reports to verify that certain real estate was eligible for financing with the current credit guidelines.
Successfully completed the College of Commercial Credit in May 2004.
Participated in various clients meetings to gain a full understanding of their companies wants, needs and future plans pertaining to their real estate.
Provided exceptional customer service to external and internal clients.
Played a key role in large Rapid Expansion project in Saint Louis, MO.
Responsibilities included construction of work stations, configuring computers, setting up phones and training new hires.
Managed 16 Temporary Employees in the Closing Assistant Function consisting of keeping the client informed of the status of their loan, ordering title work, scheduling closings, and sending loan closing packages.
Provided detailed information to senior management on a month to month basis on my teams success in how many loans closed per month and client satisfaction survey results.
Wells Fargo Home Mortgage - Closer City, STATE, 06/1998 - 2001
Closed corporate relocation purchase loans on a national basis.
Maintained an active pipeline of 30-40 loans per month.
Ordered and reviewed appraisals, title commitments, survey's and loan payoff statements in preparation of closing.
Prepared closing documents, HUD-1 and overnighted documents to the title company.
Assisted customers with questions regarding their corporate relocation benefits.
Closed 30-40 loan on a monthly basis.
Provided outstanding customer service with a 95% customer satisfaction rating.
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