Francisco Mickle

**** ***** ** ****** ** *****

Phone: 678-***-**** E-mail: abg5j8@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

Economist with strong experience processing mortgage loans and loans

default applying FNMA/FHLMC guidelines and HARP, HAMP and HAFA programs.

Additionally I have got a broad background in Banking, finance, and

budgets.

I also have outstanding success in conducting analysis, creating financial

models, partnership building, maintaining business relationships, and

negotiating contracts.

I am a skilled loan processor and negotiator who are committed to the

highest levels of professional and personal excellence.

I am very inclined to work in conjunction with multidisciplinary and

multicultural groups. I have a proven ability to be a good strategic

thinker which allows me to perform and deliver under pressure and work well

under stressful conditions; I possess an entrepreneurship personality and

perform with flexibility and pragmatism.

EDUCATION

ESAN University Lima, Peru

MBA, Major in Finance

Ricardo Palma University Lima, Peru

BA in Economics

WORK HISTORY

JP Morgan Chase Bank Falls Church

VA

Loan Processor 10/2010 to 062011

. Process and prepare for closing retail mortgage loans (conventional and

FHA, purchase and refinance) under various loan programs (HARP,

FNMA/FHLMC) in accordance with bank policies, guidelines and procedures.

. Register loans on the origination system and maintain system accuracy as

well as review rate lock and point objectives for accuracy.

. Issue proper disclosures as required by federal regulatory compliance and

set up files and order all necessary exhibits for appraisals, VOE, VOD,

and credit reports.

. Check alternative documentation for accuracy and potential problems.

Order title insurance, flood and tax certificates and surveys, reviewing

for problems upon receipt.

. Obtain and review documents for acceptability against loan conditions

. Be in touch With loan originator, coordinate with borrowers, sellers,

title companies, escrow agents, surveyors and real estate agents to

obtain additional documentation, complete loan submissions and perform

closings

Balbi Multiservice LLC at Jacob Dean Mortgage Inc. Vienna,

VA

Loss Mitigation Processor 04/2008 to

09/2010

. Process and negotiate short sales and loan modification under the Home

Affordable Foreclosure Alternatives Program, HAFA and Home Affordable

Modification Program, HAMP.

. Interview homeowners and request specified information related their

mortgage delinquency to prevent foreclosure.

. Analyze homeowners' financial status, asses, and property evaluation to

determine the appropriate loss mitigation tool.

. Prepare correspond and files using computers for submission to lender.

. Negotiate with investors and services mortgage terms for the homeowners

to find the appropriate solution for each case.

. Follow up effectively with lenders to secure resolutions.

El Banco de Nuestra Comunidad & Sun Trust Bank

Lawrenceville, GA

Senior Financial Specialist 01/04 to

03/08

. Interviewed customers to obtain information and explain available

financial services, such as saving and checking accounts, Mortgage

Loans, Individual Retirement Account, Certificate of Deposit, savings

bonds and securities.

. Rented safe deposit boxes.

. Helped customer complete loan applications.

. Educate customers on Investment Banking.

. Training new employees.

Gamma Communications LLC Norcross,

GA

Assistant Manager 07/02 to

07/03

. Analyzed office operations and procedures, such as bookkeeping,

preparation of payrolls, flow of correspondence, filling requisitions

of supplies.

. Supervised five employees, schedule work hours, resolved conflicts,

determined salaries.

. Prepared activities reports for guidance of management.

. Prepare organizational budget and monthly financial reports.

. Compiled, stored, and retrieved managerial data.

. Provide control of the invoicing, account receivable, and the

inventory.

Electroperu S.A. Lima, Peru

Investment Analyst 01/00 to

05/02

. Oversee the post privatization in the electric power sector in Peru.

. Analysis of financial and macro economic information in order to make

forecast in the electric power markets, and economic conditions

related to power generation.

. Interpret data concerning price, yield, stability, and future trends

of investments in energy market.

. Summarize data describing current and long term trends in investment

risks and economic influences pertinent to investments in the power

sector.

. Recommended modifications to management's investment policy.

Lima, Peru

Budget Analyst 01/96 to 12/99

. Plans, organizes, develops, and coordinates the budget of the firm,

the most important power generator of the country, $240.1 million

operating budget and $129.2 million investment budget.

. Submit operational and financial proposals to Board of the company and

the Department of Financial and Economic Affairs for approval.

. Conducts all reviews necessary to the preparation and execution of

assigned budgets, and regularly monitors the budgets.

. Perform short and long term financial forecast for decision making.

. Oversee the preparation, analyze, and coordinate with the accounting

area the execution and reconciliation of the budget and the financial

systems and procedures.

LANGUAGES

. Spanish (Native) English (Fluent)

REFERENCES: Available upon request

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