Provide customers with optimal products by conducting extensive analysis of financial situations, histories; analyzing credit and financial data. Deliver consistent informative communications to consumers, business partners and co-workers.

● Present mortgage opportunities to future clients over the phone. This includes educating clients on the product and the process. Introducing the company, products, and qualify for counseling session and application. ● Build rapport and leverage customer relationships with existing and potential borrowers with the goal of meeting customer needs and exceeding their expectations.● Analyze customers’ financial situations and provide the appropriate solutions by advising customers as to the appropriate loan product for them. ● Ensure exceptional customer experience by overseeing loan process from origination to close. ● Providing on-going communication to customers and business partners.● Review/analyze credit and financial data. ● Partner with Mortgage Loan Coordinators and Mortgage Loan Associates with on-going communication to customer regarding loan status.

● Present mortgage opportunities to future clients over the phone. This includes educating clients on the product and the process. Introducing the company, products, and qualify for counseling session and ap-plication. ● Build rapport and leverage customer relationships with existing and potential borrowers with the goal of meeting customer needs and exceeding their expectations.● Analyze customers’ financial situations and provide the appropriate solutions by advising customers as to the appropriate loan product for them. ● Ensure exceptional customer experience by overseeing loan process from origination to close. ● Providing on-going communication to customers and business partners.● Review/analyze credit and financial data. ● Partner with Mortgage Loan Coordinators and Mortgage Loan Associates with on-going communication to customer regarding loan status.

● Present mortgage opportunities to future clients over the phone. This includes educating clients on the product and the process. Introducing the company, products, and qualify for counseling session and ap-plication. ● Build rapport and leverage customer relationships with existing and potential borrowers with the goal of meeting customer needs and exceeding their expectations.● Analyze customers’ financial situations and provide the appropriate solutions by advising customers as to the appropriate loan product for them. ● Ensure exceptional customer experience by overseeing loan process from origination to close. ● Providing on-going communication to customers and business partners.● Review/analyze credit and financial data. ● Partner with Mortgage Loan Coordinators and Mortgage Loan Associates with on-going communication to customer regarding loan status.

● Present mortgage opportunities to future clients over the phone. This includes educating clients on the product and the process. Introducing the company, products, and qualify for counseling session and application. ● Build rapport and leverage customer relationships with existing and potential borrowers with the goal of meeting customer needs and exceeding their expectations.● Analyze customers’ financial situations and provide the appropriate solutions by advising customers as to the appropriate loan product for them. ● Ensure exceptional customer experience by overseeing loan process from origination to close. ● Providing on-going communication to customers and business partners.● Review/analyze credit and financial data. ● Partner with Mortgage Loan Coordinators and Mortgage Loan Associates with on-going communication to customer regarding loan status.

Responsible for protecting and promoting client's interests. Represent buyers or sellers. Assist the home buyer in forming and writing the offer, and if the offer is accepted, help with the final agreement to ensure it's legally binding and correct. As a REALTOR® I stay on top of the entire process to make sure any issues that surface during the home inspection or other processes are quickly remedied. I may also need to renegotiate the contract. For example, any repairs that the house inspection determines are needed may be factored into a new contract or agreement.

Century 21 is the world’s largest Residential Real Estate Sales Organization helping families in communities around the world with real estate transactions. REALTORResponsible for providing guidance to homebuyers and sellers throughout the sales process/purchase of their properties.Provided prospective clients with best products, financing options, market analysis, pre-qualifications, property searches and working closely with escrow to close transactions in a timely manner. Perform market analysis and determine guaranteed sales program for sellers

ERA Real Estate & Loans has been in the business of fulfilling the dream of homeownership since 1972 as Electronic Realty Associates. Today, it is one of the world's leading residential franchise brokerage networks, with more than 38,000 brokers and sales associates. Realtor/senior; Responsible for originated real estate loans, processing customers’ mortgage applications, and guiding homebuyersand sellers through the sales process. Accountable for customer relationship and delivering excellent customer service, exceeding expectations in providing high quality service.Developed strong partnership with realtors and builders to promote key relationships, revenue generation and closing new business.Provided leadership, guidance and training junior staff and operation’s personnel in processing and closing their loans and validating loan documents to ensure guidance were met

A consultative mortgage banking company that served loan officers nationwide with a variety of Conventional loan programs including FNMA & FHA product type; Responsible for soliciting residential mortgages from various sources including realtors, builders, financial professionals, previous customers and other non-traditional sources.Performed borrowers’ risk analysis and analyzed what programs best suited for customers. Built strong relationship with prospective borrowers that led to future referrals. Developed and maintained excellent working relationship with prospective buyers, mortgage brokers, realtors and builders to ensure growth, revenue and lead generation. Received the award of top producer among 60 agents in the company

Washington Mutual (WaMu) was founded in 1889 as the Washington National Building Loan and Investment Association in Seattle, Washington. As one of the nation’s largest financial services company.Loan FulfiLlment ManagerAs; of Loan Fulfilment, created and implemented new ideas that aligned with Washington Mutual’s core values. Managed and provided leadership, guidance and mentoring to 60 + employees, including hiring, training and performance measurement. RLA-Risk level signing authority up to $2,500,000. Hired, trained & monitored employees’ performance, established and monitored goals, provided coaching to ensure employees’ productivity and growth. Conducted weekly staff meetings including monthly coaching sessions to ensure operational integrity and compliance.Performed second opportunity reviews and signed all Counter-offers and denied loans. Reduced overtime by 75% within the organization that resulted in substantial savings up to ($1MM) over a period of two years.Reviewed companies’ financial statements and corporate tax returns to determine Profit & Loss, performed background check on the financial institutions, CEO,CFO and President including Fidelity bond coverage before final approval/or denial.Provided management with recommendations and risk assessment of lending institutions before credit approvals were granted.

As an underwriter, I was Responsible for reviewing, evaluating and ensuring that the quality of loans conforms to government regulations, company standards and standards for sale to the secondary market. • Responsible for assessing the risk of a loan & making an approval/denial decision based on the quality of the date in the loan file.• Review & ensure data integrity to confirm the accuracy of automated underwriting findings & investor overlays.• Applied all internal & external underwriting guidelines, investor requirements & federal regulations to the decision process to ensure loan quality.• Analyze and verify the employment profile, credit strength, property characteristics & all other information pertinent to the credit decision process on each loan application.• Communicate required conditions & stipulations, & provided assistance to expedite the final approval of a file. • Analyzing credit, income documentation, title, appraisal, and all requirements by investors guidelines• Managing pipeline and maintaining company over all turn times. • I was also responsible for Post Funding Audits for nine months during 1996-1997