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Position Desired: A Position In Which My Acquired Skills And Knowlege Can Be Used To A Mutual Advantage
Resume: CAREER OBJECTIVE Highly motivated, hardworking individual with integrity and experience. Seeking a position in which my acquired skills and knowledge can be used to a mutual advantage. My solid background and 20+ years experience can be extremely valuable in your endeavors. PROFESSIONAL PROFILE • Ability cultivating relationships with Business Professionals, Individuals, Organizations and Community Leaders. • Comprehensive background in all areas of Mortgage Financing, Financial Analysis, Real Property, Retail Banking, • Motivational, Management and Training Abilities • Ability to maximize revenue potential through exceptional sales, and negotiating abilities. • Ability to assess an individuals’ creditworthiness, while adhering to regulatory, compliance and underwriting guidelines • Extensive knowledge in Conventional, FHA, VA, VHDA, Fannie and Freddie Mac guidelines • Prepare entire loan file, submit loan package and collect required documentation. Follow thru loan file from inception thru closing, while assisting processors in completion of meeting final approval conditions • Excellent Communication Skills • Change advocate with ability to multi-task in fast paced environment PROFESSIONAL EXPERIENCE FINANCING Mortgage Loan Officer / Office Manager • Originated and Priced Conforming, Non-conforming, FHA, Conventional residential, construction and commercial loans. • Proven ability to generate $15 Million volume per annum, top five within the organization. • Interviewed borrowers to determine appropriate loan programs and qualification based on underwriting guidelines. • Hired, trained, and managed loan officer staff and accountable for their knowledge of products and services. • Reviewed all Loan Officers loan files for completion and qualification based on underwriting guidelines. • Developed and maintained new business partner relationships; realtors, attorneys, builders, accountants, financial planners, community leaders, business owners, union, non-profit organizations. Certified Foreclosure Intervention Counselor • Assisted in developing and monitoring the foreclosure prevention program. • Prepared, analyzed and audited financial proposals for Short Sales and Loan Modifications. • Reviewed closing documents to rule out Predatory Lending Practices • Assisted Clients and Attorneys in preparation for Foreclosure Court Settlement Conferences. • Provided one-on-one counseling to distressed homeowners in budgeting. REAL ESTATE Associate Broker/Community Project Manager/Short Sales Negotiator • Prepared, analyzed and audited financial proposals for Short Sales and Loan Modifications. • Developed and implemented “The Homeowners Help Center”. • Trained realtors on how to market and leverage their business in this distressed market to increase business volume. • Represented residential/commercial clients in a fiduciary capacity in the sale and/or acquisition of property. • Investigated the overall condition of the property, and its functional design in order to offer a comparable market analysis. • Interviewed and selected tenants for over twenty, 40+ Unit Buildings throughout NYC and Westchester County. • Prepared lease packages for landlords to process through subsidized program agencies. EMPLOYMENT HISTORY 2011-Present Wells Fargo Home Mortgage – Virginia Beach, VA – Home Mortgage Consultant (SAFE. NMLSR ID 268626) 2007 - 2010 ERA Besmatch Real Estate – Bronx, NY – Short Sales/ Loan Modification Specialist / Community Project Manager 2008 – 2009 Westchester Residential Opportunities – White Plains, NY - Foreclosure Intervention Specialist 2005 – 2008 Countrywide Home Loans, White Plains, NY - Senior Loan Officer 2001 – 2005 Ideal Mortgage Bankers, Tarrytown, NY - Loan Officer/Office Manager and Trainer 2001 – 2003 Monalissa Enterprises Realty, Inc., Bronx, NY - Real Estate Broker/Owner 1998 – 2001 The Bank of New York, New Rochelle, NY - Personal Bank Representative EDUCATION Monroe College, Associates Degree in Accounting/Business Management, Bronx, New York (1981-1983) Courses: Principles of Accounting I and II, Federal Income Tax Law and Practice, Intermediate Accounting, Cost Accounting, Economics, Composition and Literature, Business Writing, Introduction to Business, Marketing, Business Law PROFESSIONAL TRAINING Wells Fargo Home Mortgage Continuous Industry Business Development and Compliance Regulatory courses NeighborWorks Training Institute: • Advanced Foreclosure Intervention and Default Counseling (2009) • Loss Mitigation Negotiating Techniques (2009) Real Estate Training Center of Greater New York - Bayside, New York (1988 - 2008) • New York Real Estate Brokers Course: ADA & Fair Housing, Real Estate Ethics, Tax Advantages of Home Ownership, Tax Free Exchanges, Pricing, Residential Finance, NYS License Law and Contracts, Commercial Real Estate, Commercial Finance and Investment Analysis, Maximizing Buyers Borrowing Power, Human Rights and Ethics. • Mortgage and Foreclosure Training: Mortgage Loan Origination, Mortgage Sales Masters, Mortgage Loan Processing, Foreclosure and Foreclosure Alternatives. LICENSURE / CERTIFICATIONS • VHDA Certified • New York State Real Estate Broker’s License (Inactive Status) • National Certified Foreclosure Intervention and Default Counselor ACCOMPLISHMENTS / COMMUNITY SERVICE • Recipient of The Congressional Proclamation of The United States House of Representatives, The Mayoral Citation of The City of Yonkers, Certificate of Recognition of the Yonkers City Council Office, Certificate of Appreciation from the Westchester County Board of Legislators. Recognitions received for contribution and dedication to homeowners. Assisting the communities within the Mortgage and Real Estate Industries • New York Times Article- “Over Their Heads Till Loan Renegotiation Resets The Clock” (May 14, 2009) • Westchester County Journal News Article –“ Westchester Tries To Stem The Tide of Losses” (February 7, 2009) • Panelist Speaker for The Human Rights Commission on Foreclosure Prevention • Realtor Speaker/Trainer on Short Sales and Foreclosure Prevention • Conduct Free Community Financial Educational Workshops SKILLS Financial and Credit Analysis Bilingual Spanish Microsoft Office Software: Word, Excel, PowerPoint, Outlook, Microsoft Publisher Negotiator Presentations Trainer REFERENCES Furnished Upon Request

Changed at: 2/25/2013 2:53 PM Changed by: Anonymous
Created at: 2/25/2013 2:53 PM Created by: Anonymous

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Virginia Beach, VA 23452

Phone: (757) 348-9969     

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Virginia Beach, VA 23456-9374

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