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Position Desired: A position in which my acquired skills and knowledge can be used to a mutual advantage
Resume: 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. Skills Profile • Knowledgeable in all aspects of the Real Estate and Mortgage Lending Industry Policy, Procedures, Rules and Regulations • Comprehensive background in all areas of Financial Analysis, Real Property, Retail Banking, Foreclosure Prevention and Credit Restoration • Ability to assess an individuals’ creditworthiness, while adhering to regulatory, compliance and underwriting guidelines • Ability to maximize revenue potential through exceptional sales, and negotiating abilities. • Motivational, Management, and Training Abilities • Excellent Communication Skills. Change advocate with ability to multi-task in fast paced environment • Proven ability in cultivating strategic relationships with Business Professionals, Individuals, Organizations and Community Leaders. • Organize and facilitate educational workshops: For Professionals- Realtor Listing Presentations and Short Sales Training, Loan Officer Product, Field Sales Development and Pricing Training, Trained Attorneys to Negotiate for Homeowners in Court Settlement Conference appearances, Small Business Workshops. For Consumers - First Time Homebuyers and Sellers, Homeowners, Mortgage Default, Financial Education with Wells Fargo Hands on Banking program and Credit Restoration. Employment History Home Mortgage Consultant Virginia Beach, VA Wells Fargo Home Mortgage 2011 - Present • Originate and Price Conforming, Non-conforming, FHA, VA, VHDA and Conventional residential loans. • Prepare entire loan file, collect required and essential documentation, follow loan file from origination and beyond closing. • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk • Develop knowledge of company products, policies and procedures, and underwriting requirements Analyze real estate appraisals, title reports • Build relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service. • Develop and maintain new and existing business partner relationships; realtors, attorneys, builders, accountants, financial planners, community leaders, business owners, union, non-profit organizations, while maintaining a high degree of visibility for WFHM in the marketplace Associate Real Estate Broker /Short Sales & Loan Modification Specialist / Community Project Manager Bronx, NY ERA Besmatch Real Estate 2007—2010 • Prepared, analyzed and audited financial proposals for Short Sales and Loan Modifications. • Developed and implemented “The Homeowners Help Center”, which offered Community Educational Workshops for the public. And professional training for up to 60 realtors. • Trained realtors on how to market and leverage their business during the distressed economy while increasing 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 Certified Foreclosure Intervention Counselor Yonkers, NY Westchester Residential Opportunities 2008 — 2009 • 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. Senior Loan Officer White Plains, NY Countrywide Home Loans 2005 — 2008 • Originate and Price 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. • Developed and maintained new business partner relationships Office Manager / Senior Loan Officer Tarrytown, NY Ideal Mortgage Bankers, Ltd. 2001— 2005 • Originate and Price Conforming, Non-conforming, FHA, Conventional residential, construction and commercial loans. • 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 loans for up to 15 Loan Officers for completion and qualification based on underwriting guidelines. • Developed and maintained new business partner relationships EDUCATION & TRAINING Industry Compliance Regulatory Courses Wells Fargo Learning Center Virginia Beach, VA 2011—Present • Truth in Lending Act (TILA) and associated Sections, Equal Credit Opportunity Act (ECOA) (Reg. B), Real Estate Settlement Procedures Act (RESPA) and associated Regulations, Home Ownership and Equity Protection Act (HOEPA), Home Mortgage Disclosure Act (HMDA), Depository Fair & Responsible Lending SAFE Act, Privacy Protection / Do Not Call, FTC Red Flag Rules / Fair and Accurate Credit Transaction Act of 2003, FHA Mortgage Lending and relevant programs, Annual Legal, Legislative, and Regulatory Review, Federal Truth in Advertising, Fair Housing Patriot Act National Foreclosure Certification NeighborWorks Training Institute Washington, DC 2009 • Advanced Foreclosure Intervention and Default Counseling • Loss Mitigation Negotiating Techniques Real Estate Pre Licensing and Training Courses Real Estate Training Center of Greater New York Bayside, NY 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. Associates Degree in Accounting/Business Management Monroe College Bronx, NY 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 LICENSURE / CERTIFICATIONS • VHDA Certified • New York State Real Estate Broker’s License (Inactive Status) • National Certified Foreclosure Intervention and Default Counselor • S.A.F.E. NMLSR ID #268626 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” • Westchester County Journal News Article –“ Westchester Tries To Stem The Tide of Losses” • Panelist Speaker for The Human Rights Commission on Foreclosure Prevention • Realtor Speaker/Trainer on Short Sales and Foreclosure Prevention • Conduct Community and Professional Financial Education Workshops SKILLS • Financial and Credit Analysis • Bilingual Spanish • Trainer • Negotiator • Presentations • Microsoft Office Software: Word, Excel, PowerPoint, Outlook, Microsoft Publisher REFERENCES Furnished Upon Request

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Created at: 4/21/2013 6:21 AM Created by: Anonymous

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                     Contact us for specific details of each category - email us:  nuestraferia.hrhcc@gmail.com OR  info.hrhcc@gmail.com OR   call us:  (757) 348-9969



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780 Lynnhaven Parkway, Suite 400

Virginia Beach, VA 23452

Phone: (757) 348-9969     

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Virginia Beach, VA 23456-9374

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