I have been working as a Real Estate Broker in Eugene/Lane County for the past 5 years, and I have found it a challenging career. It is now my hope to find full time employment back in the mortgage lending arena as economic circumstances make reliable employment a necessity.
Prior to my becoming a Licensed RE Broker here in Oregon, I was a State Certified Residential RE Appraiser for more than 20 years in Washington.
Before becoming an appraiser, I spent several years in various mortgage lending fields as: a mortgage loan officer; construction loan specialist; foreclosure and REO property specialist; and an income property loan/escrow officer. (Full employment history follows herein.)
Also, concurrent with my appraisal business, I also spent nearly 20 yrs working as the design/build consultant for my family's construction company.
Although my direct mortgage lending experience is approaching the status of "Ancient History", my continued work in related fields has kept me informed on the changes in the industry. Also, the wide variety of my experience makes me more versatile and useful in a banking environment.
As a Real Estate Broker, I am technically self employed. As such, I have aggregated the three brokerage companies together. I started with Prudential Real Estate Professionals, moved to Friends & Neighbors Realty Group, and then to Key Realty Group where I am currently affiliated.
As a RE Broker, I manage my own time, I have designed my website, prepared my advertising, decided on the scope of marketing, service my client's needs with both listings and purchases, assisting when needed with selecting loan services, title & escrow services, and other services necessary to complete their purchase or sale. I can help my clients with evaluating properties, writing Purchase & Sale contracts, calculating monthly payments, or net proceeds from a sale, comparing returns on investments or NOI. I can hep with discounted cash flows on contracts, short sale vs foreclosure discussions, and a wide variety of other elements related to real estate transactions.
During my years as an appraiser, I worked both independently, and for other companies & banks, but solely independent from Nov. 1991 on.
I started in the business prior to the advent of licensing, and became licensed/certified in 1991 when it first became available. This was all prior to the current restrictions on Lender/Appraiser contact, so I worked closely with many banks and mortgage companies during this time. I had a top reputation, was never sued, never had an Errors & Omissions claim, and I was never removed from a lender's approved list, although, I did quit working with some lender's who sought to influence my results. This work required an understanding of mortgage procedures.
I began my career with Shoreline Savings as an Income Property Loan Assistant and shortly thereafter my duties were expanded to include Escrow Closer for the Income Property Loan Department. I was responsible for organizing and preparing the loan packages for submission to the bank's senior loan committee. Then, once the loans were approved, I prepared the loan documents for execution and submitted documents for recording & disbursement. Many of these loans were for new construction, and I was also in charge of the on-site progress inspections for the draws, making sure that the work for which payment was being requested had been completed and the appropriate building permits had been signed off. ( For Example: I was once sent to Phoenix to oversee the assignment and transfer of over $400,000 of consumer time share contracts to the Bank for collateral.) During this time, I was promoted to the position of Assistant Vice President.
When the Bank started to suffer the repercussions of the S&L meltdown, the management transferred myself and the other 2 remaining Income Property Loan department personnel to the task of REO property management. In this position I was responsible for coordinating the foreclosure of residential and commercial properties with the Bank's attorney. Securing the properties once they were bank owned, evicting former owners and tenants when necessary, determining the necessary repairs to make the properties market ready, contracting for the repairs, listing the properties for sale and negotiating the sales for the Bank.
I know that many of the banking jobs I had early in my career will sound pretty odd because they pre-date the automation & computerization in banking.
I began in banking when I was 18 with the National Bank of Commerce (became Rainier Bank, then SeaFirst Bank, then Bank of America) in Seattle as a Securities Messenger where I delivered securities from the Bank to other banks and brokerage houses accompanied by an armed guard throughout downtown Seattle, after that I work processing the Social Security and other automatic and/or mail deposit, and processing the cash from the downtown post offices. I also spent some time as a bank teller then a mortgage loan payment processor followed by a accounting/clerical position in the Income Property Loan Dept where I assisted the Loan Officers in a clerical capacity, and posted payments and disbursement to the loan ledgers.
The next step in my career took me to a Mortgage division of Old National Bank (now US Bank) where I assisted the Construction Loan Manager, working with many of the top builders in the Bellevue WA region. I handled loan documentation, maintained loan ledgers and did the construction progress inspections and disbursements.
Next step was to Continental, Inc. (later Home Street Bank) as a Construction Loan Officer, with a step up to originating construction loans, mostly custom construction, and later expanded into residential loan origination also. During the high interest rate environment of the late 70's I worked for a short time with another construction mortgage company, and then returned to Continental, Inc. as a mortgage loan originator. This brought me to my start at Shoreline Savings.
Although I never completed a university degree, I have continued with career related education throughout my working years. Completing first a 2 year equivalent from the American Banking Association, additional classes through the Mortgage Banking Association, community college courses, National Association of Independent Fee Appraiser continuing education, and continuing education for my Real Estate licensing.
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