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PROFESSIONAL EXPERIENCE
Compliance Officer, 05/2005 - 12/2006
Global Mortgage Corporation, Inc. – Clearwater, FL
Responsibilities, examined all mortgage files, communicated with loan officers on preventing any problems that are not regulatory and followed state and federal guidelines on mortgage disclosures recommended by the state department of financing for consumer protection protecting lender from fines and licensing litigations. E.g.: state licensing, disclosures, origination fees, predatory lending, net tangible benefits, marital signatures, prepayment penalties, and state examinations.
Senior Loan Officer, 03/2004 - 05/2005
Equity Source Home Loan, LLC. – Tampa, FL 33624
Responsibilities, provided mortgage loans with creative financing through sub prime lending. Worked all licensed states via telephone and emails. Qualified borrowers with refinancing; interest rates, debt consolidations, home improvements, and cash out loans. 1st & 2nd mortgage loans for refinancing and purchase loans. Processed, scheduled closing, and funded loan in its entirety.
Sub-Prime Loan Processor, 07/2003 - 02/2004
Key Financial Corporation, Inc. – Largo, FL. 33771
Responsibilities, gathered all documents for loan processing and underwriting conditions. Review loan based on investors guidelines for sub prime mortgage. Review loan programs criteria’s for full, stated no income, no assets, loan to value, interest rate, and creditworthiness. Review title for possible loan defects such as checking title is free and clear of ownership, or tax liens. Review appraisal for collateral. Communicated with loan officers, underwriters, appraisers, attorney’s, and title agents for the closing and funding of purchase, or, refinance loans.
Customer Care Representative, 02/2003 - 07/2003
Light House Credit Foundation. – Largo, FL. 33771
Responsibilities, on outbound and inbound calls, responsibilities were assisting customers in the consolidation of unsecured debts. Welcoming new clients with an overview of the benefits of the program and assisting customers with payment history, and satisfying customer complaints. Ultimately, meeting the customer expectations with programs benefits through quality service and customer retention.
Mortgage Consultant, 10/2001 - 01/2003-
Mandarin Mortgage Corporation – Tampa, FL. 33624
Responsibilities, followed through on customer calls, inquiries via internet and emails for information on mortgage loan programs, provided conventional mortgage Fannie Mae loans for 1st and 2nd mortgage loans. Qualified customers with a loan tailored for the borrowers specific financing needs. Ordered appraisal, communicated with customers on interest rates, closing costs, loan disclosures, and on credit issues for the smooth closing and funding of their loan.
Community Reinvestment Act/Mortgage Consultant, 05/1997 - 08//1999
Manufacturers & Trust Mortgage Corporation – Buffalo, N.Y. 14203
Responsibilities, through out the city of Buffalo worked with community based organizations, targeting low and moderate income families on homeownership opportunities. Provided FHA and conventional loan programs, qualified borrowers capacity, character, credit worthiness, and collateral to become home owners using non traditional ways of financing mortgage loans with affordable programs such as using $500 dollars for down payment and participating in the City of Buffalo's closing cost programs. Also, provided sub prime programs.
Housing Counselor, 06/1995 - 10/1998 –
Westside Neighborhood Housing Services, Inc – Buffalo, N.Y. 14213
Responsibilities, managed the first time homebuyers closing cost program, facilitated the First-time Homebuyers Program. Worked with realtors, lenders, brokers, homeowner’s insurance agents, appraisers, facilitated workshops for homebuyers. Met with families and assisted with the preparation of successfully obtaining a mortgage loan. Processed all the required documentations income, savings, and assisted with updating and clearing credit issues on a final credit report for presentation to a loan committee panel.
EDUCATION & TRAINING
Professional Development Courses:
04/2008 – Pinellas Technical Education Services-St. Petersburg, Fl
Certificate
• Introduction to PC hardware, Microsoft Windows, Word, and Excel.
• Personal Advancement and Management.
06/1993 to 06/1995–Board of Cooperative Education-West Seneca, NY
Degree
• Technical Electronics
Loan Officer School GE & M&T Mortgage Corp • Real Estate • Homeownership • Fannie Mae & Freddie Mac Underwriting • Calyx & Encompass software.
WORK GAP
McDonalds 12/2007-04/2008
40728 Us Highway 19 N. Tarpon Springs, FL 34689
Crewmember: Cook and maintenance worker, overseeing to the quick service and delivery of meals to our customers
Financial Freedom Resources 07/2007-10/2007
Hwy 19 N. Clearwater, Fl 33775
Financial sales representative: sales, lowering interest rates on unsecured credit cards.
Suntasia
8751 Ulmerton Rd. Largo, Fl 33771 01/2007-04/2007
Tele sales representative: responsibilities to gain customers loyalty and build accounts for marketing sales.
Muilli Concrete Service's 08/2000-10/2001
10440 Springrose Dr. Tampa, Fl. 33326
Prepared, graded, and assembled framing for pouring concrete for miles of sidewalks for both residential and commercial properties.
Military Service
United States Army 6/1981- 6/1987
Marine Corp
11/1987-11/1996
References:
Furnished upon request
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