New American Funding
Senior Loan Officer
10927 La Reina Ave
Downey, Ca 90241
Bay Equity Home Loans
Senior Loan Officer
Downey CA 90241
April 2016 to Present
Hana Financial Incorporated
Rancho Cucamonga, CA 91722
January 2015 to March 2016
Gathering all loan information in Calyx point executing DU, and obtaining all documentation
gathering from client after manager disclosed loan docs. Re
sponsible for the structuring of loan from the list of lender products within company policies and
procedures as well as consistent, effective communication throughout the loan process
Execute effective mortgage marketing plans to meet and exceed agreed upon mortgage production
goals. Adhere to and comply fully with any policies and procedures related to internal and external rules and
regulations, particularly those established by State and Federal law. Provide mortgage clients sound mortgage advice based on a full understanding of client needs as well
as the mortgage products they where offered and their benefits. Assist our manager with client, information gathering, and appraiser document follow-up as
determined through quality control compliances or post-closing review. Use Contact Relationship Management software to keep track of all communication and task
associated with the loan process. Bank of America Merchant Service
AVP Merchant Solutions Specialist Coral Springs, FL
November 2013 to December 2015
Establish and maintain Banking Center relationships while fostering open communication between Branch Bankers
and customers. Developed relationships with assigned 15 Bank of America Branches
Present solutions of industry-leading suite payment processing products and services to business owners to help
expand their revenue. Provide the necessary coaching, support and guidance to assist the Banking Centers Constantly looking for areas
in which to develop the account. Resolve customer issues and requests in an efficient and timely matter. Create own presentations and organize huddles to give update status in sales results, referral status and client
issues. Bank of America (Fort Lauderdale Florida)
Mortgage Servicing Specialist III
October 2011 to November2013
Provide homeowner onsite counseling and resources necessary to sustain home ownership ensuring compliance
with MHA, Department of Justice, Freddie Mac, FHA, and Fannie Mae, FHA loan modification programs. Interview homeowner to determine eligibility for foreclosure avoidance programs, and process all mortgage
modifications cases to a final decision. Identify, engage, and foster non-profit organizations to facilitate homeowner retention and find alternatives to
foreclosure. Initiate transition services to borrower for a Short Sale or Deed in Lieu on borrowers that do not qualify for a loan
modification. Travel and attend national outreach events and local community events. Improve overall public image and perception of Bank of America’s commitment to all our homeowner. Designated to process Spanish and Portuguese borrowers that would like to speak these languages on all
consultations. Bank of America, Fort Lauderdale FL (Contracted by Ross International Agency)
HSSII Mortgage Loan Modification Expert
February 2010 to October 2011
Role involves the review process of a borrower’s submitted loan modification application on all serviced
loans.(HAMP,NON HAMP) modification. Initiate contact with borrower throughout the whole loan modification process to obtain
required documents to complete a loan modification package for UW process. Communicate with borrower on all discovery of the loan modification application and provide a high level of customer
service. Usage of Bank of America system application usage to process, escalate, manage loan modification activity and all
communication of the loan modification process. Used all portals software (Iportal, Stewart, Urban) to chase down all documents from borrower to prepare a complete
package to submit to BofA underwriting. Work toward 100% no return submission of files to underwriting. Understand and daily usage of job aid to follow all loan modification program guidelines. Expert in reading tax returns for income discovery. Understanding of foreclosure, bankruptcy related to loan modification
ATT (Ft Lauderdale, FL)
Sales Consultant
November 2008 to February 2010
Partnered with high performing sales staff to provide quality customer service. Served as a sales consultant for wireless and home service
Interfaced with customer administered programs to provide service solutions
Handle daily opening and closing of retail store process. Maintain high level of customer service to attain high score and referrals
Maintain monthly sales quota and recognized as one of the top sales at ATT
Maintain the ATT business direction and monthly product sales quota. Interface with management to maintain ATT standard and procedures. Team leader for small business sales
Trust Prime Funding, Affiliated with (Exit Realty) Coral Gables, FL
Senior Mortgage Loan Officer
January 2007 to November 2008
Responsible for the sales and marketing of TPF various lender products within company policies and
procedures as well as consistent, effective referrals of mortgage clients for realtors and builders
Execute effective mortgage marketing plans to meet and exceed agreed upon mortgage production
goals. Maintain a complete and thorough knowledge of TPF Mortgage Strategies, Policies and Procedures. Adhere to and comply fully with any and all TPF policies and procedures related to internal and
external rules and regulations, particularly those established by State and Federal law. Provide mortgage clients sound mortgage advice based on a full understanding of client needs as well
as TPF Mortgage products and their benefits. Consistently execute on TPF referral process from Exit Realty by introducing mortgage clients to other
services for cross sell opportunities. Assist Mortgage Loan Administration with client, attorney, or appraiser document follow-up as
determined through quality control compliances or post-closing review. First Magnus Lauderdale, FL
Senior Mortgage Loan Officer
December 2005 to January 2007
Developed relationships with new and current realtors, builders and borrowers to promote continuous business. Promoted ancillary products as presented by First Magnus
Interviewed and pre-qualified prospective borrowers. Advised borrowers of lock-in policy and ensured lock requests were completed accurately. Informed borrowers and related parties of loan options, market conditions, documents and other requirements
needed to close the loan. Reviewed new loan guidelines, programs, updates and changes. Assisted operations personnel in processing and closing of loans. Education: Associates Arts Degree (Los Angeles City College)
Languages: Fluent in Spanish, and Portuguese
