I have had the pleasure of working in Financial Service arena and Affordable Housing and through my endeavors have enjoyed and grown professional as a result of it. I have assisted people in my community with their finances. I have always found money fascinating and motivating to help people within. In the last 4 years I moved into Affordable housing and found it to be very rewarding type of work and a newer field that has been expanding and growing in the area.
Steward of institutional regulatory compliance
Excellent time management
05/2013 to Current
Compliance SpecialistHeritage Estates
In this position, 40% of the overall population is a part of the TCAC Affordable Program.
This position requires one to work independently as wells as collaboratively with other managers and sales marketers.
I implement and write new policy and guidelines changes when they are issued as well as marketing brochures for the program.
Analayzing the new guideline changes and the impact on the rents and income limits for the program.
Working closely with our bookkeeping department to ensure procedures are followed when increasing rents and fair housing policies are followed.
Qualifying new applicants for the program: verification of their income and assets and work with outside financial institutions.
Interwork with other departments to keep timeline of approvals needed for move-in each month and manage the 1-2 year waitlist.
Recertification of existing residents in the program: case load is anywhere from 10-20 each month in addition to the new applicant I am processing for the program.
State and Internal Audits-in the last 4 years since I have been here, we have received 100% -no findings audit form the state for each of our 3 communities.
I sever as a liaison between the ownership group as well as our corporate office to ensure procedures are in place and keep us compliant.
Section 8- I work closely with this department, advising resident of their rent rates and coordinating vouchers when they come available for our residents to receive.
Factoring into their existing TIC applications and rental amount.
Utility Credit-this is given to some of our residents in a different building and has to be monitored yearly for any increase or decrease.
I monitor the program and write the letters the go out to the residents as it financial impacts them.
01/2008 to 01/2013
Loan OfficerBank of America
I was responsible for originating and sourcing my own loans from my existing clientele as well as business partners, I worked closely with Financial Advisors, Realtors and Personal bankers in arranging business transactions for our mutual clients.
I always processed my own loans and worked closely with the loan center and Title Company to ensure my pull-through rate of them loans was ensured.
I handled about $1-2,000,000 dollar pipeline consistently which was a combination of refinance and purchase business.
This position taught me how to maintain and process files and manage multiple and time sensitive task all at the same time.
01/2001 to 01/2008
Client ManagerBank of America
I managed a portfolio of 350 clients with a banking relationship of deposit/loans/investments with the bank between $400,000-$3,000,000.
It was my job to grow their existing banking needs into 3 areas: Banking, Investment and Mortgage lending.
I had large quarterly goals in all 3 areas of loans, banking and investment plus was compensated on bringing over new business to the bank.
I worked very closely with Financial Advisors, Loan officers, Private Bank and Trust Services to design financial plans for our customers and their varying needs.
It was a long term relationship that I built with my customers not transaction oriented.
Assistant to Financial Planner and Money Sense program.
I coordinated Financial Seminars at local Bay Areas companies, such as The Chronicle, Lucas Ranch and De Anza/Foothill Jr College.
I designed the seminar needs by working closely with the HR department in the details of the seminars as well as their group benefit package.
Assisted in running financial plans and inputting the clients financial data and setting up calendar of appointments for 50-100 clients after the seminar.
This program is covered Investments, Life Insurance and Estate Planning extensively.
Education and Training
San Jose State University
CertificationDe Anza Jr College
Notary Public since 2001
Held Series 6 & 63 License