Kenneth Capling Email & Phone Number

Saint Johns, Fl, Us

Parsippany, Nj

Parsipanny, Nj

eLEND, Retail Division of American Financial Resources (AFR), Wholesale/CorrespondenteLEND/AFR is an approved lending institution holding an A+ Accredited rating with the Better Business Bureau (BBB), is a member of the Mortgage Bankers Association (MBA), is an Equal Housing Lender and an Equal Opportunity Employer providing a wide range of loan choices at competitive rates to new and existing customers. The company is a GNMA issuer, FNMA and Freddie Mac seller/servicer, FHA Mortgagee, USDA National Lender and VA Automatic Lender. Company is headquartered in Parsippany, New Jersey.eLEND/ AFR has strengthened its concentration on providing mortgage solutions to retail customers, brokers/bankers and financial institutions by adding strategic assets and quality people to further develop their offerings and enhance their relationships across the mortgage finance industry.

Orlando, Florida Area

. Underwriting Authority to conforming loan limits Conv. and FHA/DE # HG08. Assist in EOM push with new Underwrites and Post Closing clearing investor pends . Lead multiple branch processing managers, support processors and maintain PL reports . Create, develop and maintain training . Board new branches from inception to culmination and write post mortem reviews. VOP for VA Portal, Administrator for FHA Connection and Rural Development. Lead in the development, implementation and support of new LOS (Encompass). Continued training and implementation of all new guild lines, state or federal regulations. Complete Pre and Post Closing Audits to include RESPA reform, HUD compliance, DTI, LTV, ATR/QM and Reg Z 3% . Manage Reg B/ECOA and RESPA early disclosure reports . Support National Operation Manager, VP of Compliance, Business development manager and drive directives to the field

Jacksonville, Florida Area

Recruit, screen, interview and extend job offers to the most qualified applicants to fill specific job vacancies. Compose employment advertisements and contacts appropriate advertising sources. Ensure the applicant referral pool has a cross section of diverse candidates; adhere to established equal opportunity and affirmative action goals. Verify applicant information by checking references and application data. Improve organizational recruiting efforts by aiding the development of long range recruiting strategies, attending recruiting events, developing recruiting materials, and maintaining recruitment contacts to increase the pool of qualified applicants for specific positions. Identify and hire the best candidate for a specific project and position in Digital Risk.• Prescreen candidate for position eligibility• Conduct face to face interviews with prospects to drill down and determine the candidates fit for an open position• Provide complete, accurate, and inspiring information to candidates about the company and position• Manage the scheduling and logistics of all interviews between candidates and hiring managers• Develop and maintain strong working relationships with Digital Risk leaders, vendors, community organizations, and other team members to create a partnership that yields success, predictable results and credibility• Coordinate and implement college recruiting initiatives• Organize, lead and document post-interview debrief/feedback with interview teams and project managers• Utilize the Internet for recruitment by resourcing social and professional networking sites to identify candidates• Maintain required records and documentation to ensure compliance with organizational policies and procedures and applicable regulations. • Maintain and execute the sole decision making abilities to hire new employees for Digital Risk

Proficio Mortgage Ventures, LLC. Jacksonville FL. January 2009 – October 2010Loan Fulfillment Team Manager / New Retail and JR. Venture Implementation PMV is a Correspondent Lender with Retail and JV Branches through out the country. Work with several investors to assist Loan Offices and my Processing team with loan exceptions that do not meet PMV Underwriting Guild Lines to insure we have sellable loans and are compliant. • Managing team work queue• Ensuring the team follows the work flow • Maintaining pipeline and reports• Acting as a second signature for checks and wires, as necessary• Managing adverse actions (HMDA) and annual reporting to the FDIC• Create and implement all Processing Procedures; Check Lists for all loan types VA, FHA, USDA, and Conventional • Implement and Train all new Retail Branches • Create all quality control measures on new applications and loan submissions • Continued Training and Implementing of all new Guild Lines, State or Federal Regulations • Hold a Pipeline and Process rush and escalated loans• Complete Pre and Post closing Audits for RESPA and GFE 2010 compliance• Clear Post closing issues with investors• Vendor Manager (DataVerify, Appraisal and Title company’s) • Credit Risk board member

Loan fulfillment team manager - responsible for managing a team of up to 12 loan coordinators and the efforts of multiple phases of the loan life cycle. The loan fulfillment team manager’s duties include:• Providing exceptional customer service• Managing team work queue• Ensuring the team follows the work flow• Acting as a second signature for underwriting• Performing change requests, if necessary• Maintaining pipeline and reports• Acting as a second signature for checks and wires, as necessary• Managing adverse actions• Managing exception procedures• Escalating issues to the LFC manager and Production management, as appropriate• Manage incentive report• Manage team pipe line reports averaging 1500 loans • Complete semi annual performance reviews, providing feed back and coaching

CountryWide Specialty Lending Group Jacksonville, FL. 2004-2005Production Supervisor 11Process Sub-Prime loans for brokered business. Very fast paced challenging environment. No contact with borrower, therefore making the dynamic of closing very critical. Responsible for seamless processing of conditions and review. Completed all due diligence to insure loans vitality, searches for fraud, compliance, and overall completeness of file. Processed all loan types offered by CountryWide, reviewed income, assets, bank statements, tax returns, title, and appraisals. Crossed Trained in Closing and prepared closing packages for team on an over flow basis.

Washington Mutual Bank, FA., Jacksonville, FL. January 2003-2004Team Lead-Responsible for mentoring new Loan Coordinators, resolving customer complaints, attaining team/organizational goals, review performance of individuals and create measures to increase productivity. HomeSide Lending/Washington Mutual Bank, FA. January 2001-January 2003Loan Coordinator 1, 2, 3-Processed applications for a variety of products to include a mix of Conventional, FHA, VA, and Jumbo loan types in all 50 states. Maintained a customer satisfaction level of at least 95%. Mentored the teams new loan coordinators. Achieved the top 25 percentile in total processor performance of the department each month.

Finance - Real Estate

Aa, Business