Michael Rafael Email and Phone Number
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Michael Rafael personal email
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Financial-Customer Service Professional with an emphasis in the Residential Mortgage Marketplace and multiple customer service related industries. Seasoned professional with a proven history of success in a number of different facets within a myriad of industries. Experienced in Business Development, Customer Service, Underwriting, Forensic Audit and Risk Management Strategies. An effective collaborator with all levels of management and employees, focusing on positioning the Company to increase revenues and market share through superior customer service.
Excelerate Capital
View- Website:
- exceleratecapital.com
- Employees:
- 87
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Senior Qc AnalystExcelerate Capital Oct 2020 - PresentNewport Beach, California, United States
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AmbassadorSalvation Army Of Orange County Mar 2020 - PresentAnaheim, California, United States
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Business Development ManagerCalcap Lending, Llc Feb 2018 - Dec 2018Irvine, CaPrivate Money Lender specializing in bridge financing, Investment Property Purchases, Refi, Fix N Flip, Rehab, Construction, 2 TDs, and more. Our focus is aimed at the real estate investment community; brokers/bankers, real estate agents, etc. while providing superior products with stellar customer service. -
Area Sales ManagerGreenbox Loans, Inc. Feb 2017 - Apr 2018Greater Los Angeles AreaResponsible for the origination and development of non-qm loans through a vast wholesale broker network in the greater L.A./Orange County area. Training/mentoring account executives in providing knowledgeable insight to the non-qm market while providing superior customer service that is second to none. -
Business Developement ManagerImperial Funding Corporation Nov 2015 - May 2016Greater New York City AreaResponsible for the development of business via Imperial Funding's Alternative Residential Correspondent lending division. Giving detailed company presentations to a vast array of mortgage brokers/bankers in the greater L.A./Orange County area(s) while providing stellar customer service. -
Analyst AssociateRanstad Group Nov 2011 - Jan 2013Irvine, CaRandstad, USA/Promontory Financial Group .Randstad, USA is a wholly owned subsidiary of Randstad Holding a $22.5 billion global provider of HR services and the second-largest staffing organization in the world. We play a pivotal role in shaping the world of work, leveraging the true value of human capital for the benefit of our clients, candidates, employees and investors.• Analyst Associate• Reviewed / Audited documentation and decisions to determine accuracy and completeness.• Verified and evaluated loan data using various internal and external systems.• Validated servicer computations of borrower’s indebtedness, financial condition to determine refunds / remediation.• Demonstrated and in-depth understanding of Federal, multi-state and local mortgage compliance regulations.
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Senior Mitigation SpecialistDebtors Protection Law Group 2007 - 2011Costa Mesa, CaDebtors Protection Group was a Residential Loan Modification Firm located in Irvine, CA. Reviewing and qualifying distressed Home Owners documentation to determine Loan Modification eligibility.• Senior Mitigation Analyst• Obtained necessary Loan Documentation from Client to determine eligibility.• Underwrote, processed modification package pursuant to Lender/Government Guidelines.• Negotiated and reviewed Modifications Approvals to ensure Client benefit. -
Senior Credit OfficerFirst Nlc Financial 2003 - 2007Orange, CaFirst NLC Financial Services LLC operated as an independent nonprime mortgage banking company, originating mortgage loans in 38 states across the United States. We originated, underwrote, and funded mortgage loans secured primarily by single-family residences; and sold those loans on a cash basis to institutional loan purchasers.• Senior Credit Officer managing a staff of account managers and processors.• Monitored daily workloads for all Team Members• Adhered to Federal, State and Company guidelines with regard to the Real Estate Settlement Protection Act laws.• Consistently met or exceeded monthly funding goals of $20 – 30 Million.• Collaborated with Senior Management to necessitate changes in Policy and Procedures of Loan Processing.
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Senior Account ManagerFieldstone Mortgage Company 1997 - 1998Irvine, Ca
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Risk ManagerLong Beach Mortgage 1988 - 1997Orange, Ca
Michael Rafael Skills
Michael Rafael Education Details
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Psychology/Sociology
Frequently Asked Questions about Michael Rafael
What company does Michael Rafael work for?
Michael Rafael works for Excelerate Capital
What is Michael Rafael's role at the current company?
Michael Rafael's current role is Senior QC Analyst at Excelerate Capital.
What is Michael Rafael's email address?
Michael Rafael's email address is mi****@****ial.com
What is Michael Rafael's direct phone number?
Michael Rafael's direct phone number is +171472*****
What schools did Michael Rafael attend?
Michael Rafael attended San Diego State University, Orange Coast College.
What skills is Michael Rafael known for?
Michael Rafael has skills like Mortgage Lending, Loans, Credit, Finance, Underwriting, Loan Origination, Refinance, Loss Mitigation, Credit Analysis, Fha, Investment Properties, Relationship Management.
Who are Michael Rafael's colleagues?
Michael Rafael's colleagues are Raul Ramos, Tamara Romano, Karla Rojas, Blake Adams, Leo Rosete, Atasha Scott, Lorraine Rodriguez.
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Michael Licea
Passionate, Driven, Unrelenting, Analytical, Logical, Knowledgable, Eager, Teachable, Humble, Integrid, Level-Headed, Understanding, Compassionate, Loving Are Words That Describe Me.St Petersburg, Fl1stpete.org -
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