Toma N. Ghiran Email & Phone Number

Costa Mesa, California, United States

Development of Meridianlink LOS and supporting interfaces

Laguna Hills, California, United States

Developed Operational procedures and implemented Meridianlink LOS

Lake Forest, Ca

• Extensive agency knowledge with Fannie Mae full underwrites of HomeStyle, HomeReady and DURefiplus along with Freddie Mac’s HomePossible and Open Access.• Evaluated the financial strength of borrowers to determine risk and repayment capacity, • Utilized knowledge of real estate values to perform appraisal analysis. • Communicated directly, via phone and email with both Wholesale Brokers and Correspondent Lenders to review conditions and file structure. • Verified data integrity within loan operating system through file analysis, run DU and/or LP and evaluate results, add and clear required conditions.

United States

• Responsible for the review and underwriting decisions made on credit, income, assets and property documentation. Ensure loans meet company and investor guidelines.• Demonstrated excellent follow thru with all supporting departments. • Discuss alternative options for approval of loans that fall outside of guidelines with department management. • Completed FHA training with proficiency in 203K Full and Limited “streamlined”

Irvine, Ca

• Supervised the daily activities of loan eligibility and sales support departments, increasing productivity 100%. • Instrumental to the transition of the correspondent platform from HomeBridge to Planet Home Lending. Achieving a go live readiness one week ahead of schedule.• Identified development needs to the LOS and reduced code delivery from 4 month intervals to 30 days.• Trained personnel on new loan programs, company procedures and LOS enhancements individually, through webinars and in classroom settings.• Collaborated with executives throughout the company addressing needs in areas such as capital markets, e-shipping, servicing, QC, accounting and vetting of new technology.• Worked in tandem with the technical writer on the development and creation of company P&P’s, guidelines and matrices to meet target dates set by management.Additional Duties:• Performed thorough analysis of credit, income, assets and appraisals to ensure the quality of each loan and determined compliance for specific loan programs. • Verified all files were complete and compliant with regulatory agencies and internal policies.• Identified risk factors within loans and documented any red flags or clear inconsistencies.• Resolved and responded to post closing credit exceptions received from investors and auditors when required.• Maintained an ongoing knowledge of investor guidelines, updates and trends for Fannie Mae, VA, FHA and USDA products.

Irvine, Ca

HomeBridge Financial Services, Inc. - Correspondent Division was sold to Planet Home Lending, LLC on 4/15/16

Irvine,Ca

• Changed the processing procedures to improve underwriting turn time from 10 days to 48 hours and funding from 60 days to 3 weeks from time of application.• Installed risk-mitigation procedures that stood up to investor & secondary market requirements which reduced TIL violations 70%. • Initiated regular meetings, training seminars and with the development of supporting materials, improved sales closing ratios 45%, processing customer service 40% and reduced structural mistakes 90%.

Irvine, Ca

• Reduced vendor acquisition turn times by 60% by developing an automated notification process to enhance the existing methods. Ensuring the completion and delivery of services to clients 20% faster.• Auditing valuations “appraisals” to insure accuracy and identify training needs of third party agents and appraisers that do not meet specific client guidelines within their final valuation reports.• Managed allocation of work force so that final product was delivered within the clients required time frame.

Partial Client List:Nationwide Home Loans, Excel Lending, US Home Retention, Net Modification, E-Modification• Evaluated corporate structure and developed policies and procedures to boost productivity.• Interviewed, hired and trained sales and operations teams.• Developed and integrated business plans which increased sales dramatically.• Implemented new company health benefit plans and employee policies, and ensured proper state and federal guidelines were followed.

• Hired, managed and trained marketing, HR, operations and sales teams.• Defined and maintained internal and external client-requested project control deliverables.• Advised the president on all strategic matters relating to product, pricing and budget management.• Developed training programs to equip the work force with the tools needed to best serve the needs of the customer base which increased production by 432% in 8 months.• Created new hiring procedures and increased employee retention from 20% to 85%.• Negotiated investor contracts and developed pricing sheets that increased product marketability by 200%.

United States

• Implemented new operating procedures which resulted in rapid and sustained business growth. • Developed procedures for new products which cut launch time to clients from 2 months to 1 week.• Successfully prospected for new sales opportunities in the mid-market sector increasing production by 250% in 4 months.• Built an office flow process that reduced underwriting commitment time from 96 hours to 24 hours.

United States

• Evaluated corporate structure and developed policies and procedures to boost productivity.• Developed and integrated business plans which increased sales dramatically.• Implemented new company health benefit plans and employee policies, and ensured proper state and federal guidelines were followed.

(A Wholesale Lender with 3,450 employees specializing in Real Estate Banking)Prospected for new wholesale opportunities in the mid-market sector across various vertical markets while developing and executing a winning sales strategy, including developing new prospect opportunities and expanding company’s presence with their customer base; successfully use consultative selling skills to clearly understand customers’ business requirements and recommend solutions while utilizing collaborative team selling to maximize market share.• Developed a marketing campaign that leaped me to the front in record time and I was awarded the president Gold Club as the top producer on my team.• Helped develop company products and marketing materials as part of a consulting group.• Opened up a new level of revenue for my department by being the first Rep to develop correspondent lender relations.

(A Wholesale Lender with 1,950 employees specializing in Real Estate Banking)Sales professional whose strengths and abilities highlight and build trustworthy, solid and profitable wholesale business relationships by utilizing New Territory Development, Proven Prospecting and Cold Calling skills, Product Marketing, Consultant for Help Desk Technologies, Remote Support Solutions.• Hired as a sales rep for the first time and after successfully completing the training program, I surpassed all preconceived benchmarks and outperformed the entire team which consisted of seasoned sales reps.• Developed a client base by contacting old company accounts that were no longer using their services and turned them into some of the highest production accounts in the department.• Created a marketing canvas that expanded over 26 states and systematically prospected the territory with excellent success.

Solved Mortgage Banking Challenges when Second Mortgage Companies closed their doors and there were 250 loans on the Warehouse Line.

Oversaw sales and operations to ensure client satisfaction and increase total pull through from 47% to 69% over a 12 month period.