career objective                              

client-focused loan officer and mha program specialist eager to contribute superior business development, communication, and relationship building skills toward actively supporting the employer as a driven and productive team member

profile                                                

ø  offer more than 8 years of progressive mortgage industry experience with expertise in customer service, risk assessment, staff development, quality control, and regulatory compliance for fannie mae, freddie mac, and ginnie mae loans

ø  strong practical experience executing and training staff in the making home affordable plan (mha); commitment to preventing foreclosures, making mortgages and rental housing as affordable as possible, and supporting housing recovery efforts

ø  facilitate client-focused, service-oriented environment vital to maximizing customer satisfaction and retention

ø  obtain, prepare, and review all relevant documentation to accurately evaluate potential risk; ability to analyze complex financial statements, capital and reserves, property valuation, credit scores, debt and loan-to-value ratios, and cash flow

ø  sharp business acumen and extensive experience performing administrative, document review, processing, underwriting, custodial account management, and reporting functions

ø  effectively identify and capitalize on opportunities to penetrate and develop markets in highly competitive environments

ø  depth of knowledge and extensive training in underwriting guidelines and regulations; maintain highest ethical standards at all times; dynamic communication, presentation, negotiation, and relationship management skills

ø  sharp technical proficiencies including microsoft office (word, excel, powerpoint), front page, dreamweaver, and flash

~ key achievements ~

• selected to serve on first mha underwriting division at bank of america and train staff members on proper data collection, underwriting, and collections procedures
• granted three bank of america awards for exceptional customer service, personal referrals, quality adherence, and top production
• ranked in top 13% of all loan officers for refinancing boa portfolio customers
• cited by senior rvp at boa for preventing a 12-member family from foreclosure following extreme financial hardship
• actively contributed to increasing residential refinancing, new home purchases, and home equity loans at ameriquest mortgage; consistently met strict quotas of 200+ outbound calls per day and 10-20 mortgage loans per month
• expertly managed $20m southwest region and increased market share by 20% per year as travel industry regional sales manager for alamo / national
• secured more than $5m per year in annual alamo corporate contracts with top-tier clients; increased new business accounts by $10m
• recipient of numerous sales and presentation awards from anc rental corp.

professional experience                

bank of america                                                                                                                                               2003 c present
underwriter mha / hamp modification (2009 c present)

licensed loan officer / lender (2003 - 2009)

 

ameriquest mortgage                                                                                                                                        2002 c 2003 

mortgage loan officer

alamo rent a car / national car rental system                                                                                                  1995 c 2002
travel industry regional sales manager / regional corporate sales manager

airtouch paging, dallas, tx                                                                                                                              1993 c 1995
sales representative

georgia state general assembly, atlanta, ga                                                                                                     1/93 c 6/93
legislative aide / special assistant to representative mike evans

hardwoods, inc., boynton beach, fl                                                                                                                 1992 c 1993
branch manager

education                                           

florida state university, tallahassee, fl                                                                                                 1991

bachelor of arts in social sciences and economics

~ professional development & certifications ~

lending guidelines ~ federal guidelines ~ credit ~ income ~ taxes ~ bankruptcy ~ professional selling skills seminars