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Yyyyyy x. yyyyyy
Job Posting: JOB POSITION
Address: 0000 xxxxxx xxxx , xxxx , xxxxx 00000
Phone: (xxx-xxx-xxxx
Email: abc@xyz.com
Citizenship: COUNTRY
Social Security Number: XXX-XX-XXXX
Core Qualifications
Community Lending Development Specialist
Solid Experience in Lending Laws, Regulations, Economics and Technologies
Real Estate/Mortgage Finance Expertise
Regulatory Compliance
Underwriting
Strategic Planning
Performance Optimization
Crisis Management
Written & Oral Presentations
Contract Administration
Organizational Leadership
Productivity/Efficiency Improvement
Financial Research & Analysis
Marketing Strategies/Techniques
Decision-Making
Strong Investigative and Communication Skills
Community Reinvestment Act (CRA) Liaison
Professional Experience
Umpqua Bank - 0000 xxxxxx xxxx , xxxx , xxxxx 00000
Supervisor: May Contact - Ann Byrd xxx-xxx-xxxx
Hours: 50 per Week; Salary: $72,000/yr
Community Lending Development Manager; 5/2003-8/2008
Underwriter, 2/2002-4/2003
Applied lending and banking expertise, as well as extensive knowledge of Fannie Mae, Freddie Mac, FHA, VA, Title I, Title II, and State Bond underwriting guidelines, quality control and compliance criteria toward supporting all aspects of daily operations. Relied upon to lend knowledge and experience toward making key decisions with documented justification, with strong focus on ensuring the continued quality of the mortgage guideline. Evaluated and recommended action on mortgage home loan applications to ensure soundness, businesses value and compliance investor's standards.
Contributed extensive familiarity of the Consumer Protection Act, Fair Lending Act, and related laws and regulations by Federal, State, or local governing agencies, particularly Federal Regulations B, Z, and quality control requirement of Freddie Mac, Fannie Mae, HUD/FHA and VA. Conducted comprehensive review and analysis of credit, income, and asset documentation submitted to determine credit worthiness, utilizing approved automated underwriting systems (LP/DU).
Successfully designed and developed creative packaging of multiple layers of federal, city and county grant programs with nonprofit partners to expand homeownership in minority and low-to-moderate income groups. Expanded market share of first-time homebuyers, low-to-moderate income, and minority group homebuyers, and low-income census tract neighborhoods by proficiently creating and recommending lending programs. Collaborated actively with leaders of community organizations and affordable housing builder groups, as well as real estate agents to build and establish key relationships and present CRA loan and banking products.
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Yyyyyy x. yyyyyy
Job Posting: JOB POSITION
Social Security Number: XXX-XX-XXXX page 2 of 3
Exhibited solid leadership qualities in supervising, training and motivating CRA community mortgage lending staff, playing an instrumental role in the development of top performing team members. Structured CRA Community Development Lending programs, and CRA investments from the bank to non-profit organizations for affordable housing. Applied sharp business acumen and critical thinking skills in evaluating the bank s lending and deposit patterns; defined and developed policies and procedures to improve outreach strategies and services. Supported the maintenance of records for compliance department and regulatory auditing for CRA mortgage lending. Planned events and activities with other bank personnel, nonprofit organizations and government agencies, demonstrating exceptional organizational and prioritizing abilities in achieving goals.
Key
Bank - 0000 xxxxxx xxxx , xxxx , xxxxx 00000
Barbara Kaye (No Longer with Company), 216-689-7199
Hours: 50 per Week; Salary: $52,000/yr
Community Mortgage Lending Manager; 5/1996-2/2002
Consistently met and/or exceeded Community Lending goals by preparing and presenting engaging marketing materials, identifying new clients, and strengthening existing client relationships. Managed the development of new portfolio loan and grant programs, instrumental to boosting performance.
Strategically built critical community relationships by actively serving as Board and Executive Committee Member on multiple nonprofit organizations. Demonstrated advanced communication and interpersonal relation skills toward establishing relationships with state, federal and nonprofit assistance programs, real estate agents and affordable housing builders.
Created and delivered engaging presentations to builders, developers and nonprofit organizations, including Portland Community Land Trust (PCLT), Clackamas Community Land Trust, Yamhill Community Development Corporation, Open Door Credit Counseling Agency, Portland Housing Center, and Housing Resource Center in Vancouver. Served as CRA technical resource for lending department, non-profit organizations and government agencies. Clearly presented complex information at home buying fairs for Fannie Mae, Portland Housing Center, Asian/Pacific Islander, African-American, and Native American home buying organizations.
US
Bank - 0000 xxxxxx xxxx , xxxx , xxxxx 00000
Samartha Anderson (No Longer with Company), 800-367-5690
Hours: 50 per Week; Salary: $40,000/yr
CRA Mortgage Loan Specialist; 6/1991-5/1996
Loan Services Specialist, 4/1989-5/1991
Recognized for exceptional customer service and the ability to facilitate approval of complex, challenging mortgage loan applications. Successfully marketed and originated residential mortgage loans for the Portland metropolitan region.
Specialized in serving and educating first-time, low to moderate income, and ethnic group homebuyers. Strategically expanded service offerings to diversify revenue streams, leading to increased sales and market share. Liaised effectively between applicants, real estate agents and title companies to streamline and optimize communications and accomplish timely loan closings.
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Yyyyyy x. yyyyyy
Job Posting: JOB POSITION
Social Security Number: XXX-XX-XXXX page 3 of 3
Certifications
Certificate - Northwest Compliance School, Portland, OR, 6/2008
Certificate - Federal Reserve
Bank for Community Lending School, Seattle, WA, 6/1996
Certificate - Elliott Bookkeeping School, Portland, OR, 9/1986
HUD Training Certificate - Seminar, Workshop for DE Underwriter, Reserve Mortgage and Mortgage Lending for FHA Loan Program, Irvine, CA & Seattle, WA
License
License - Oregon Real Estate
School, Portland, OR, 9/1990
Affiliations
Loan and Underwriting Committee for Operation H.O.M.E. (Home Ownership & Minority Equity), City of Portland, 2007-Present
Board Member - HOAC (Home Ownership Action Committee), City of Portland, 2002-Present
Founder/Board Chair - APICIA (Asian Pacific Islander Community Improvement Association), 1999-Present
Board Member, Portland Community Land Trust, 2004-2007
Loan Committee Member, Portland Housing Center (a nonprofit educational agency affiliated with NeighborWorks of America), 2003-2007
Educational Committee Member, Albina Community Development Corporation, 1994-1996
Languages
English
Vietnamese
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