Carmen Negrete

**** ********* ****, *****, ** *2083

E-Mail: ab3fl8@r.postjobfree.com

Cell: 619-***-****

OBJECTIVE: Seeking a Loan Processing position in a team and long-term

growth oriented business.

EDUCATION: UNIVERSITY OF BAJA CALIFORNIA, Tijuana, M xico.

Bachelor of Science in Chemistry, Pharmacology and Biology

(December 1995)

PROFILE: ( Superior organizational, administrative, presentation,

client relations and negotiating skills.

( Results oriented, dedicated, professional, highly

motivated self-started, and decision-maker.

( Extensive analytical and problem-solving skills with

ability to successfully achieve objectives.

( Proven leadership skills with ability to motivate

others and encourage peak performance.

( Skilled in supervising, training and coordinating

personnel while improving team efficiency.

( Ability to manage and implement timely and cost-

effective completion of multiple projects.

( Excellent verbal and written communication with strong

interpersonal skills at all levels.

( Team player and capable of thriving at a high level of

success in a competitive environment.

( Extremely flexible, resourceful and committed to the

highest standards of ethical conduct.

EXPERIENCE:

2009- Present WELLS FARGO HOME MORTGAGE, Carlsbad, CA

6/15/09-Present Home Mortgage Consultant Jr.

. Interview clients and obtain financial and personal

information to prequalify them for any type of

loans.

. Build referral relationships with realtors, builders,

financial professionals, bank stores, past customers and

other non traditional sources while providing excellent

customer service.

. Strong knowledge of company products, policies and

underwriting guidelines

. Inform prospective and existing customers, WFHM

Programs, rates, policies, underwriting requirements and

loan procedures.

. Analyze detailed financial and credit data information

matching customer needs with an appropriate loan program

and level of risk.

( Facilitate the loan process by obtaining property

appraisals and calculating net asset

valuation.

( Accurately process loan information into contract

agreements and legal disclosure documents.

( Open escrows and order titles policies to initiate the

purchase and refinance closing process.

. Maintain close relationship with clients and realtors

and provide daily updates on the loan process.

. Manage marketing tools and process various types of

programs to send to existing clients.

. Analyze credit, income, assets documentation, prepare

and organize files for the processing team.

. Experience with Government VA, FHA, Conforming and non-

conforming loans, processing and selling.

2008-2009 WELLS FARGO HOME MORTGAGE, San Diego, CA

6/2/08-6/8/09 Loan Document Specialist

. Register, submit, pre-underwrite and process loan

applications, utilizing LIS and Lawson programs.

. Validate and correct data in LIS to match documentation

in the files provided by HMC's.

. Run decision engine, complete compliance requirements

and submit documentation to fulfillment.

. Complete pre closing process, compliance checklist,

update the systems, conduct borrower and closing agent

with pre-closing call.

. Process Conventional and Government loans.

Carmen Negrete

Page 2

2005-2008 WASHINGTON MUTUAL BANK, FA, San Diego, CA

1/4/05-4/28/08 Loan Associate

( Process, update and maintain residential mortgage

applications for the company's loan officers

( Communicate with loan underwriters in order to

determine the disposition of applications.

( Implement and maintain quality assurance/control,

production and compliance procedures.

( Planned and coordinated various special events and

promotions to increase market exposure.

( Initiated marketing and recovery programs to maintain

long-term loyalty of existing clients.

( Instruct new loan processors in the various application

procedures and customer service skills.

( Managed, trained, scheduled and evaluated other loan

associates.

2000-2005 MORTGAGEHELPERS.COM, Oceanside, CA

2/7/00-1/3/05 Senior Loan Processor

( Obtain relevant financial information from clients and

process the various loan documents.

( Verify clients' financial information and credit

histories through various reporting agencies.

( Facilitate the loan process by obtaining property

appraisals and calculating net asset valuation.

( Accurately process loan information into contract

agreements and legal disclosure documents.

( Open escrows and order titles policies to initiate the

purchase and refinance closing process.

( Process and edit loan declination letters to explain

the various reasons for a denial of credit.

( Finalize the funding conditions in coordination with

various mortgage lending institutions.

( Instruct new loan processors in the various application

procedures and customer service skills.

( Generate and submit logs of new and completed

applications for senior management review.

COMPUTERS: ( Proficient in using Windows (XP) and various software

applications and systems, including:

( Point for Windows ( Microsoft excel

( Microsoft Word

. Microsoft PowerPoint ( Microsoft Outlook

( LIS and Lawson

. AOW ( CORE

LANGUAGES: Additional verbal and written fluency in Spanish.

REFERENCES: Available upon request.

Contact this candidate