Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build team relationships. Experienced in loan processing, loan origination, and loan servicing.
Sales and marketing
Inspiring team leader
Excellent time management
Excellent time management skills
Excellent time management skills
Interior AssemblerNov 2015 to Mar 2017 Launch Technical Services/Zodiac Aerospace － Bellingham, Washington
Relocated out of state and used business and customer service skills to successfully work outside of career field.
Identified inefficiencies and streamlined processes which lead to improvement in production and satisfied vendors.
Assembled overhead bins which included applying deco, installing components, installing and testing latches, shooting bond lines, filling dents, chips and cracks for PC19 and PC28 lines.
Ran press for air vents recorded materials and time in production log.
Trained employees on assembly and new assembling methods.
Home Servicing Specialist IIIMar 2014 to Mar 2015 Canon Recruiting/Bank of America － Simi Valley, California
Identified components that lead to account being flagged for audit, such as type of BK filing and inaccurate escrow payments, and reviewed account notes to verify account updates and status were valid.
Accurately reviewed and adjusted loans on exception reports.
Processed drafts for account refunds.
Tested new proprietary database to ensure payments were allocated correctly and matched existing database.
Prepared daily performance reports for management.
Mortgage Servicing Specialist IIIMar 2012 to Aug 2013 Adecco/Bank of America － Lancaster, California
Performed forensic audits of complex loan types to identify, monitor, and correct transaction components that could lead to losses.
Audits entailed recalculation of current interest rates, terms, and subsequent changes, ensuring necessary documents and disclosures were in file.
Identified modified mortgages and trust deeds where verbiage and calculations did not correlate with data in system and escalated files to senior management.
Prepared audit finding letters for legal department to be distributed to borrowers.
Researched title and escrow information.
Prepared performance reports of department for management.
Trained new contractors on processes and procedures.
Sales AssociateJun 2011 to Mar 2012 Ashley Furniture － Palmdale, California
Maintained established client accounts by contacting clients regularly to establish effective working relationships.
Prepared sales invoices, proposals and presentations.
Oversaw delivery of products.
Reduced stock through achieving each monthly sales quota.
Training new company employees on sales techniques and merchandise construction.
Admissions RepresentativeJan 2010 to Jun 2010 Charter College － Canyon Country, California
Recruited and validated new students.
Scheduled interviews and explained admissions process to candidate students.
Responded to admission queries through telephone, internet and email.
Calculated and explained financial aid and fee payments.
Tutored potential students with ability to benefit test required for those without high school diploma.
Loan Officer / Processor / Realtor
Processor / Loan OfficerApr 2004 to Mar 2015 All California Brokerage － Norwalk, California
Reviewed, evaluated and synthesized data to ascertain loan viability and identify risk issues and potential fraud.
Independently performed financial analysis on borrowers.
Identified, recommended and negotiated alternative loan requirements.
Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.
Ordered title and opened escrow.
Reviewed reports for liens and encumbrances.
Ordered mortgage insurance and ensured loss payee information was accurate.
Identified and recommended alternatives regarding loan-structuring and financing solutions.
Provided customer service to prospective borrowers keeping the customer informed of loan status.
Drew rate lock request.
Reviewed document requirements, rates and fees with loan officers.
Prepared and maintained files on all vendors and approved appraisers and brokers.
1 of 12 in an office of 400 chosen to serve on REO team that inspected, monitored, marketed, and managed repairs needed to liquidate lender owned properties.
Created marketing materials to attract buyers and sellers.
Met with prospective and current homeowners to discuss options, explain contracts and reports, and collect and deliver escrow checks.
Negotiated contracts and pricing.
Inspected homes and gave property valuations based on market trends, features, and property condition.
Underwriter / Processor / Loan OfficerDec 2002 to Mar 2004 Equicorp Financial － Port Hueneme, California
Reviewed, examined and underwrote loans to ensure soundness, business value and compliance with company.
Determined and documented loan conditions and communicated requirements and/or decisions to processors and loan officers.
Reviewed detailed historical and projected financial analysis utilizing tax returns and financial statements.
Independently conduct full and comprehensive evaluations of a variety of complex, high-risk mortgage loan applications.
Review and analyze special conditions, loan deficiencies and exception requests to determine appropriate courses of action.
Education and Training
BS, Business AdministrationWalden University － Minneapolis, MinnesotaBusiness Administration
Business Administration2014Walden University － Minneapolis, MinnesotaBusiness Administration