Manage pipeline to ensure adherence to company lending and service standards Build a Wholesale business that is focused on customers and best efforts Oversee the sign-up process of new customers Ensure existing customers are partnered into active relationshipsCommunicate with customers to provide status of loans Remain current on company requirements and ensure compliance .Maintains regular communication with the broker(s) and informs brokers of changes and enhancements in processes and procedures.Work with production coordinator to ensure accurate and timely service to customer Monitors expiring rate locks for customer base.Maintain clear, consistent line of communication between the customer and the production coordinator

Facilitates instruction of online broker applications, operations procedures, applicable forms and fees. Empowers brokers to be self sufficient by utilizing company process and procedures in submitting loans. Maintains sales contact database and sends weekly correspondence on programs and procedures. Maintains existing and builds new relationships with Brokers.Maintains regular communication with the broker(s) and informs brokers of changes and enhancements in processes and procedures.Maintains pipeline reports for customer base.Monitors expiring rate locks for customer base.

Identifies and develops new relationships with appropriate customers that meet company goals and objectives. Develops and presents formal training presentations. Secures passwords for all appropriate users of new accounts.Facilitates instruction of online broker applications, operations procedures, applicable forms and fees. Empowers brokers to be self sufficient by utilizing company process and procedures in submitting loans. Maintains sales contact database and sends weekly correspondence on programs and procedures. Maintains existing and builds new relationships with Brokers.Maintains regular communication with the broker(s) and informs brokers of changes and enhancements in processes and procedures.Maintains pipeline reports for customer base.Monitors expiring rate locks for customer base.Manages customer base to assure profitable production with regular coaching to customers to use the technology, understand pricing, fees and rate lock policies and realize the additional value the operations team brings.

Identifies and develops new relationships with appropriate customers that meet company goals and objectives. Develops and presents formal training presentations. Secures passwords for all appropriate users of new accounts.Facilitates instruction of online broker applications, operations procedures, applicable forms and fees. Empowers brokers to be self sufficient by utilizing company process and procedures in submitting loans. Maintains sales contact database and sends weekly correspondence on programs and procedures. Maintains existing and builds new relationships with Brokers.Maintains regular communication with the broker(s) and informs brokers of changes and enhancements in processes and procedures.Maintains pipeline reports for customer base.Monitors expiring rate locks for customer base.Manages customer base to assure profitable production with regular coaching to customers to use the technology, understand pricing, fees and rate lock policies and realize the additional value the operations team brings.

Pacific Union Financial June 2018 to CurrentAccount ExecutiveManage pipeline to ensure adherence to company lending and service standards Build a Wholesale business that is focused on customers and best efforts Oversee the sign-up process of new customers Ensure existing customers are partnered into active relationshipsCommunicate with customers to provide status of loans Remain current on company requirements and ensure compliance .Maintains regular communication with the broker(s) and informs brokers of changes and enhancements in processes and procedures.Work with production coordinator to ensure accurate and timely service to customer Monitors expiring rate locks for customer base.Maintain clear, consistent line of communication between the customer and the production coordinator

Client Relations ManagerIdentifies and develops new relationships with appropriate customers that meet company goals and objectives. Develops and presents formal training presentations. Secures passwords for all appropriate users of new accounts.Facilitates instruction of online broker applications, operations procedures, applicable forms and fees. Empowers brokers to be self sufficient by utilizing company process and procedures in submitting loans. Maintains sales contact database and sends weekly correspondence on programs and procedures. Maintains existing and builds new relationships with Brokers.Maintains regular communication with the broker(s) and informs brokers of changes and enhancements in processes and procedures.Maintains pipeline reports for customer base.Monitors expiring rate locks for customer base.Manages customer base to assure profitable production with regular coaching to customers to use the technology, understand pricing, fees and rate lock policies and realize the additional value the operations team brings.

Quality inspection services/ consumer loan underwriter 3, Private Mortgage BankQuality inspection of loan files including conforming, non-conforming, pmb and jumbo mortgage loans.Mentoring and coaching to peers and partners within fulfillment. Responsible for reviewing and analyzing large, unusual or complex individual consumer requests and products within company and industry guidelines. Reviewing financial statements, credit reports, and applicable ratios (i.e. debt ratios, loan-to-value). Preparing formal reports for review; ensuring that documents are consistent. Implementing fraud detection techniques, performing compliance reviews.

Review and analyze borrower documentation to determine income and repayment ability Assess borrower hardship, and analyze housing expenses and determine proper loan resolution. Review the recommended foreclosure prevention alternative offered to the homeowner to ensure all investor/insurer guidelines were followed. Analyze delinquency, perform escrow analysis, analyze modification scenarios, proposals recommend appropriate loan workout. Maintain responsibility for timely and accurate database maintenance as well as updates and corrections in all related systems. Obtain all third party approvals including but not limited to investor and mortgage insurance companies.

Responsible for making outbound and inbound calls from company supplied internal leads, taking applications and ordering credit. Duties also included determine which lender offered the best program for their particular situation and submitted their loan to appropriate lender for underwriting approval, Collected all required conditions for closing, and coordinated with processing for any title and escrow conditions. Thorough understanding of credit and an ability to review complex financial documentsAbility to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements.Approved/Denied mortgage loans following mortgage standards. Reviewed and evaluated information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards.Evaluated acceptability of loan to corporations that buy real estate loans on secondary mortgage markets, where existing mortgages are bought and sold by investors.Approved or reject loan application, or request additional information.Closed multiple types of loans from non-conforming to conforming and jumbo loans Assisted owner in office management, supervise employees and assist in interviews for new hires.

Maintained a pipeline of loans thru marketing campaigns, dialer call transfers, and referrals from previous customers.Duties also included running desktop underwriter through Efanniemae.com or determining products through the company’s line, ordering appraisals, title and organizing all files sent to processors. Was also accountable for pricing loans and maintaining due diligence for all files.

Responsible for making outbound calls from company supplied leads, taking applications and running credit. Duties also included determining which lender offered the best program for that particular situation. Submitted loan to lender for underwriting approval, collected all required conditions for closing and coordinated with processing for any title and escrow conditions. Originated many types of loans from sub-prime, conforming, and jumbo

Daily tasks include receiving loans from brokers, contacting mortgage brokers regarding the required conditions of the loan, and coordinating the time frame to close the loans with the brokers. Received, reviewed, Analyzed and cleared outstanding conditions needed to prepare the documents to be sent to closing agents for signing.Submitted appraisals for review, and resolved issues with files that do not meet AMC guidelines.

Responsibilities included contacting borrowers with the use of a predictive dialer to resolve their delinquent loan status. Determined appropriate loss mitigation action, develop alternative payment options. Exercised good judgment when providing counseling to customers in pre-foreclosure. Provided training to new employees.