A genuine passion for helping people and an Entrepreneurial mindset Knowledge of Dodd Frank implementation and compliance Detailed mortgage compliance background and outstanding problem solving skills Strong program development and analytical skills in finance, operations management and marketing 15 years residential/commercial loan origination/underwriting experience and FHA, VA Loans Knowledgeable in Short-Sales Negotiations, Foreclosure/Bankruptcy, and Regulatory Compliance Current knowledge of Fannie Mae, Freddie Mac, investor guidelines and overlays Expert in performing training and job development techniques Knowledgeable in best practices to ensure compliance with federal, state and local regulations
Core Qualifications
Microsoft Office (Social Marketing, Spreadsheets, QuickBooks, Peachtree, Tax Act, Drake, and Liberty Tax)
NMLS #294713 (Passed - SAFE MLO/Test - National with-Uniform State Content)
Experience
Project Manager, 09/2012 to Current Kimpton Hotels – Miami Beach, FL,
Championing projects and raising awareness at senior level.
Prioritizing project goals with other ongoing projects.
Approving strategies, implementation plan, project scope and milestones.
Communicating with other key organizational representatives Managing co-ordination of the partners and working groups engaged in project work.
Detailed project planning and control Developing and maintaining a detailed project plan.
Recording and managing project issues and escalating where necessary.
Monitoring project progress and performance.
Providing status reports to the project sponsor.
Managing project training within the defined budget.
Liaises with, and updates progress to, project board/senior management.
Managing project evaluation and dissemination activities.
Mortgage Instructor, 09/2002 to 08/2012 Habitat America – Damascus, MD,
Taught, lectured classes for certificate programs and assisted in all phases of instructions.
Developed the first comprehensive Loan Officer course for mortgage professionals in the county.
Secured employment for more than 250 new loan originators in the Metro area mortgage firms yearly.
Experience in education, coaching, counseling, teaching and training.
Presentation and platform skills - comfortable speaking and teaching groups.
Participated in county committees that addressed curriculum and professional development.
Worked as a consultant overseeing the operations of the training program for loan originators.
Recognized for "Outstanding Instructor" of the year (Fairfax County Public Schools/Adult Ed.).
President/Owner, 09/2003 to 02/2012 H&R MORTGAGE – City, STATE,
Directed all aspect of operations for residential and commercial loans.
Oversaw accounting/payroll, H/R, and marketing strategy/materials development.
Recruited, hired, trained, supervised, coached loan originators, and developed branch staff team of 18 LO Analyzed financial statements, tax returns, credit reports, appraisals, and title searches to evaluate risks.
Page 2 - Resume - Agnes Claire Using DU/LP underwriting system; input selected conditions produced/underwrote mortgage commitment Maintained a working knowledge of all current underwriting guidelines, federal and state lending laws.
Negotiated loan terms in order to satisfy the interests of the borrower and investors such as (Bank of America, Indymac Bank, Wellsfargo, Wachovia Bank, etc.) Knowledge of Fannie Mae, Freddie Mac, HUD, FHA and VA Loan modification programs.
Processed Loss Mitigation Files and provide appropriate workout options based on investor guidelines.
Knowledge of Short Sale, foreclosure and bankruptcy process.
Developed business improvement for the company - which includes best practice for loan originators.
Externship Coordinator Campus Loan Specialist, 03/2010 to 09/2011 EVEREST COLLEGE – City, STATE,
Managed the entire externship program and weekly tracking reports of (MA/MIBC/CJ/RN/&MAA) Maintained corporate externship hire rate by 82% Assisted and participated in all departmental and campus events.
Conducted externship seminars and maintained "Active" externship whiteboard.
Oversaw tracking and update resume bank/pool for externship job placements.
Developed and maintained employer relationship and a tracker reports Developed, planned, scheduled and executed job placements.
Audit externship files and process student for graduation.
Reduced organization's Cohort Default Rates by 40% Directed and coordinated financial literacy program for new enrollees.
Acted as liaison between borrowers and third-party and facilitated resolutions for at-risk students.
Coordinated all Entrance, Grace, and Exit loan counseling process.
Tracked and reported all student interactions and activities to meet goal.
Oversaw and executed special projects as assigned by Cohort Default rate leadership team.
Assistant Manager, 09/2008 to 01/2010 WALGREENS CO – City, STATE,
Motivate pharmacy and front-end staff to promote open communication for sales opportunities.
Developed a process that increased training effectiveness by 20% of new cashiers.
Resolved problems using root cause analysis to eliminate drug related errors/misfiles.
Monitored checkout stations to ensure that they have adequate cash and that they are staffed appropriately.
Implemented internal financial controls in the areas of cash collections and deposits.
Engaged in extensive business development to maximize revenue potential for three core services.
Count cash drawers at the beginning/end of shifts to ensure that amounts are correct.
Supervised others, recruit and provided on-the-job training for up to 15 Sales Associates.
Monitored incidents and reimbursements through Worker's Comp, Medicare, and third-party insurance.
Maintained HIPPA, OSHA, and Department of Health regulatory compliance standards.
Analyzed dashboard metrics and other KPIs to identify workflow and process improvement needs.
Reviewed store and pharmacy revenues, purchases, profits, and monthly expenses.
Sr. Associate/Litigator, 09/1996 to 06/2000 Capital Consulting Corp – City, STATE,
Prepared overdue and defaulted student loan debt cases for the Department of Health & Human services.
Investigated problem accounts and made recommendations for corrective action to the DHHS Prepared financial litigation/default reports for the Department of Justice.
Re-engineered processes in the skip-tracing department resulting in 40% reduction.
Developed weekly and monthly scorecard to analyze and communicate operating results.
Interact with quality control, compliance, and claims for problem resolutions, and risk evolution.
Corresponded with lenders, schools, state guarantors, government agencies and reports to the Department of Justice.
Produced variety of business materials, including - letters, reports, proposals and forms.
Coached middle managers and first-line supervisors in dealing with their staff.
Education
M.B.A: , Expected in - , GPA:
Master of Business Administration: , Expected in 1 2013 American College of Commerce and Technology - Falls, VA GPA: GPA: 4.0 GPA: 4.0
B.B.A: , Expected in - , GPA:
Bachelor of Business Administration: Business/Marketing, Expected in Averett University - Danville, VA GPA: Business/Marketing
A.A.S: , Expected in - , GPA:
Associate: Applied Science, Expected in - , GPA: Applied Science
Office Administration & Managements) Northern Virginia Community-VA
A.A.S. _ Associate in Applied Science (Administrative Assistant/Office System Tech.) NVCC - VA
Executive Graduate Certificate - HealthCare Management/Administrator: , Expected in 12 2012 American Coll. & Tech - , GPA:
Professional Affiliations
Work History
, to Career Service Dept. – ,
Languages
Bilingual in English, Creole, little spoken Spanish, and a little sign language
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School Attended
American College of Commerce and Technology
Averett University
American Coll. & Tech
Job Titles Held:
Degrees
M.B.A
Master of Business Administration
B.B.A
Bachelor of Business Administration
A.A.S
Associate
Office Administration & Managements) Northern Virginia Community-VA
A.A.S. _ Associate in Applied Science (Administrative Assistant/Office System Tech.) NVCC - VA
Executive Graduate Certificate - HealthCare Management/Administrator
