Debbie Baca Email & Phone Number

Albuquerque, New Mexico Area

Licensed Agent Since July 1999 to PresentPutting Your Needs First! Multi-Million Dollar listing agent and Residential SpecialistManage multiple transactions and target key geographical areas.Broker License #20572 Manage the full life cycle of all marketing and sales activities to close contracts of sale for residential properties.  Identify areas of local interest, interpreting data, and keeping abreast of trends and news regarding each area.  Write and negotiate property contracts and collaborate with banks and title companies to ensure successful closings.  Proactively network to create and foster strong and valuable relationships that built a solid referral base, leading to a larger pipeline of prospects.

Albuquerque, New Mexico Area

Development of the service program through direct community contact with healthcare providers and consumers for the purpose of educating on the benefits of Hospice Care.

Albuquerque, New Mexico Area

PROFESSIONAL STRENGTHS● Business to Business Sales ● Territory Management ● Develop & Present Proposals● Consumer Sales Experience ● Sales & Marketing ● Retention & Solution Strategist● Consultative Sales Techniques ● Prospect Management ● Product Development● Cold Calling/Prospecting ● Excellent Work Ethic ● Work Independently•Cold-Calling and Prospecting through Networking, Door Swing, Referral, Social Media, activism and research.•Customized Presentation designed specifically for each client type and vocation based upon market research and trends in consumer spending•Top 10 Marketing Sales Rep: Prospecting, Growth, Retention•Awarded Top Pacing: $1 Million in revenue for Business to Business sales•Top Sales upon multiple platforms: Print Directories, Digital Billboards & Display Ads, SEO, SEM, Social Media, Web-Sites, Email Marketing, Google AdWord Resale Bundle, Reputation Management•Google AdWord Certified•Customer service, Revenue Recovery, Retention, Product Training, Reporting, Media Design•Project-Management of multimedia campaigns. Collaborated with clients from concept to production and launch of nationwide print, Web, mobile-device and social-media campaigns that routinely exceeded client expectations. •Played a lead role on pitches to current and prospective accounts, delivering presentations that won new and increased existing business to drive multi-million dollar revenue growth. •Handled challenging account known for “agency hopping” and last-minute changes. Effectively managed expectations and avoided revenue claims. Efforts helped retain client and increased annual billing. •Prevented the threatened loss of a $60k account to a lower-priced competitor by proving the value add of agency’s expertise, industry contacts and media buying power.•Grew portfolio of accounts to generate nearly 12 percent of agency’s revenues in 2010 & 2011. Maintained ongoing communications with all accounts and fostered loyal, lasting relationships.

Oceanside, California

As an independent contractor I managed a branch office with a team of Sales Associates, Contract Processors, Transaction Coordinators and support staff. My office served dual purposes; Realtor Sales License #01259630 as well as Loan Origination through closing. I created new business opportunities and customized presentations for prospects established through cold calling and lead generation activities. Establish business relationships with qualified employers, professional associations and college alumni associations to promote loan originations. Accomplishments: I utilized my mortgage loan Underwriting skills and Pre-Underwrote the loans before going to our correspondent lenders which resulted in a higher closing ratio with a quick turn-around time. •Awarded Loan Officer of the Year for Top Producing Loan Officer in 2004/2005.•Real Estate Sales•Manage Operations & Sales, Hiring, Training, Business Development, Lead Generation,•Origination FHA/VA/Conventional, Loan Processing & Pre-Underwriting, Pricing through Loan closing•Mortgage professional with loan-processing experience and a comprehensive knowledge of conventional & government loan programs.• Thorough in gathering borrower information, verifying loan documents & reviewing file documentation • Provide timely, judicious and accurate processing of mortgages. Review and verify borrowers’ income, credit reports, employment histories, property appraisals & title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines & lending-program requirements.•Successfully processed some of the most challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories).

301 N Lake Ave., Pasadena Ca 91101

Developed and managed integrated product campaigns between investors, corporate, branch offices and brokers. Prepared and presented Senior Executive proposals, bulk packaging and prepared underwriting guidelines for resale guidance.As Chief Underwriter I manually underwrote all loans over $1 million to effectively analyze the loan applicants creditworthiness and either approve or deny mortgage loans to borrowers. As the Chief Underwriter I would review and provided second signing authority to the underwriting staff for loan amounts over $500,000.00Package overview for salability, compliance and regulations. Worked with national and local investors (Chase, Countrywide, Citi, etc.) negotiating guidelines on forward master commitment, purchases and securitizations while maintaining positive relationships and increasing revenue. Accomplishments:•Exceeded goals through execution of overall guidelines and marketing plans to increase production while minimizing financial risk.•Authored and distributed company underwriting guidelines and program matrix.•Final loan credit decision for Corporate (Highest underwriting signing authority) and delegated MI underwriter.•Jumbo, Conventional, Second Trust Deed, DE Underwriter for MGIC, PMI, UGIC•Compliance, Risk Management, Training & Hiring, Analysis, Account Service, Senior Level ReportingMortgage underwriter known for strengths in risk assessment, income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality.Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements.

Education record

Certification, Mortgage Loan Officer, Passed

Activities and Societies: Mortgage Marketing Principles of Mortgage Lending

Certificate Of Completion, Accounting

Activities and Societies: Mortgage Banking Accounting Principles

Broker Cert, Real Estate

Activities and Societies: Chief Mortgage Underwriter Broker Basics: Real Estate Law, Real Estate Practice, Real Estate Finance, Real.

Education record