David Toman work email
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Dedication, determination, and critical thinking are the key attributes that have contributed to my success throughout my employment in areas of Leadership & Management, Underwriting & Loan Processing, and Relationship Management.I have been commended many times for outstanding performance as both a team player and individual contributor with the ability and expertise in Performance Improvement, Communication & Coordination, Docs & Funding, Operations Management, Administrative Assistance, and Problem Solving & Analysis.My intention is to help you meet your overall objectives in any way I can. With my skills, experience, and expertise, I am confident that I can make a positive contribution to your highly successful organization. Excellent organizational skills. Develops specific goals/plans to prioritize, organize, and accomplish work. Dynamic communication/interpersonal skills. Motivates team members to achieve goals, resolves interpersonal conflicts, creates positive learning environment. Utilizes effective written and oral communications abilities in addressing customers. Active listening and problem sensitivity. Provides full attention to details, takes time in understanding the points being made, and asks questions as appropriate. Applies deductive/logical reasoning to solve problems and makes independent decisions. Focuses on results. Effectively identifies and resolves problems using creativity and available resources. Customer service skills. Extremely sociable and able to put client at ease with the ability to negotiate and persuade to achieve desired results. Prioritizes workload and multi-task. Directs in approach to discovering information, possesses the ability to make objective decisions after analyzing data, and considers ramifications of decisions. Dedicated, innovative, and self-motivated team player.
Sdccu
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Banker And Fsr ISdccuSan Diego, Ca, Us
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Banker / Fsr ISdccu Jul 2023 - PresentSan Diego, California, United States
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RealtorKeller Williams Realty, Inc. Feb 2023 - Jul 2023San Diego County, California, United States -
Senior Branch Loan ProcessorFairway Independent Mortgage Corporation May 2022 - Oct 2022San Diego, CaFairway Independent Mortgage Corp.; Senior Branch Loan Processor, 05/16/2022 thru 10/17/2022 for Mortgage Lender, Was Laid-Off as part of a 10% company lay-off due to lack of overall business. Our branch was still successful/profitable but they are forcing branches to use the corporate processing at this point. Received Loan Application in Encompass, & processed loan completely through funding. Internal lender items for compliance like Flood, Fraud-Guard, & UDM as well as Credit Refresh, & VVOE’s for funding were also completed on each file. Used Encompass here. -
Loan ProcessorHome Mortgage Financial Jan 2016 - Mar 2022San Diego, California, United StatesHMFI / Home Mortgage Financial, Inc.; Senior Loan Processor, 01/01/2016 thru 3/15/2022 for Mortgage Broker, Was Laid-off due to lack business. Basically the Owner/LO Rob bought a big camping trailer & moved to Lake Havasu when the Covid-19 Pandemic began 2+ years ago. He does not want to work anymore. For the past 2 years before that, he just forwarded me Phone #'s or Emails that were sent to him via referral. I handled them all from start to finish the past 2 years with no assistants or other support. No Loan left behind, they all fund. The owner Rob never marketed, or kept in touch with past clients to generate ongoing business. Used Calyx Point & Sales Force here.
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Loan ProcessorImortgage Sep 2014 - Dec 2015La Mesa, CaIMortgage Inc.; Loan Processor 04/2014 thru 11/2015 for Mortgage Lender, Was laid-off due to low retail business after transitioning the company through a software change period to LDW's new software (Company was in the process of being bought out by LDW/Loan Depot Wholesale while I was working there). Used Salesforce, Empower/ Black Knight software here.Receive raw loan application, Order disclosures & appropriate documentation from borrowers, Run Credit, Order Escrow/Title, Order Appraisal, Qualify borrowers to make sure loan works, Go over calendar with LOs/Borrower to ensure close on time, Disclose LE (TRID Loan Estimate), Submit loan to lender, Receive & work on Approval, Order appropriate conditions, Submit conditions, Lock loan, Disclose any other LE's Required, Submit CD (TRID Closing Disclosure), Order docs, Schedule signing, Fund Loan, Complete any post closing conditions.
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Loan Processor / Income SpecialistCmg Financial Apr 2013 - Sep 2014UtcCMG Financial; Income Specialist / Pre-Underwriting Processor 02/2013 - 03/2014 for Mortgage Lender, I was given a raw application & raw documentation to make sure it qualified / was a real loan deal, before moving forward the file forward to retail underwriting. Also had to upload/parse/label documentation needed to qualify & keep in proper U/W buckets for final review. Was laid-off due to shrinking staff needs at that location. Before I was let go, CMG Corporate changed the top level earner compensation & they closed the La Jolla location soon after. Used Calyx Point & Salesforce here.Loan Processing for Large Financial Institution (Retail) & Brainstorm on Complicated Income Issues & Solve Potential Problems
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Senior Loan ProcessorIfc Mortgage Jul 2012 - Mar 2013EncinitasProcessed Loans for Mortgage Broker, Oversee Processing Department, Handled complicated scenarios & Brain Stormed on possible solutions for targeted 'Special Interest' Loans. Set-up & Implemented Checklist / Balance System for Junior Processors, Processed FHA, VA, Conventional, & Jumbo Loans for Purchases and Refinances -
Loan ProcessorAllied Pacific Financial Apr 2001 - Jan 2011Senior Underwriter / Loan Processor for Residential Broker with 20+ years experience processing residential loans* CA DRE license #01316991* CA Notary license (Currently Inactive) * NMLS license #237001* Calyx Point user for 10+ years* Up to date on all new Fed/CA disclosures practices / policies* Required to train all higher level processors* Handled all highly visable loans for major clients* Purchase transaction specialist* Refinance* Conventional, High balance, & Jumbo loans* FHA / VA / Conventional loans* Handled pipeline of 80 loans w/ an assistant.* Handled pipeline of 40 loans w/ no assistant.Take applications over the phone, mail out applications and disclosures, request appropriate loan processing information from the borrower, submit loan, process loan, fund loan.I am able to form relationships with clients and employees either in person, over the internet, or by phone. -
FunderAccredited Home Lenders Apr 2000 - Apr 2001San DiegoResidential Mortgage Lender* Funded loans & supervised Doc Drawing Dept.* Worked on loans in all 50 states while maintaing strict disclosure & funding regulations in each state. -
Docs & FundingOakmont Mortgage 1999 - 2000San DiegoResidential Mortgage LenderPrepared Loan Documents & overflow for Funding.
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Loan ProcessorJordan Pacific Mortgage 1996 - 1999San DiegoResidential BrokerLoan Processor
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Processing AssistantAmerican Pacific Mortgage 1995 - 1996San DiegoResidential BrokerProcessing Assistant, General Office, Light Receptionist
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Underwriting AssistantAssociated Lenders 1994 - 1995San DiegoResidential BrokerAssistant to Underwriter
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Loan ProcessorDesign Capital Financial 1988 - 1991San DiegoResidential BrokerJunior Loan Processor / Processing Assistant
David Toman Skills
David Toman Education Details
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Ucsd ExtensionComputer Science -
Accounting, Math, Computer Science
Frequently Asked Questions about David Toman
What company does David Toman work for?
David Toman works for Sdccu
What is David Toman's role at the current company?
David Toman's current role is Banker and FSR I.
What is David Toman's email address?
David Toman's email address is da****@****hoo.com
What is David Toman's direct phone number?
David Toman's direct phone number is +148062*****
What schools did David Toman attend?
David Toman attended Ucsd Extension, San Diego Mesa College, Mesa Community College.
What are some of David Toman's interests?
David Toman has interest in Boating, Children, Music Festivals, Reading Science Fiction, Snowboarding, Environment, The Beach, Education, Environmental Causes, Camping.
What skills is David Toman known for?
David Toman has skills like Mortgage Lending, Fha, Va Loans, Refinance, Real Estate, Loans, Credit, Residential Mortgages, Mortgage Banking, Loan Origination, Analysis, Underwriting.
Not the David Toman you were looking for?
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David J. Toman
Working With Bay Area Professionals To Convey Confidence And Foster Authority With Headshots That Turn Heads. #ProfessionalheadshotssfbayareaSan Francisco Bay Area -
David Toman
Hospitality Taskforce Manager & Consultant Leading Operational ExcellenceTybee Island, Ga -
2clearwater.org, mohonkpreserve.org
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