*** ** **** ****** • FORT LAUDERDALE, FL *****

PHONE 754-***-**** • FAX 954-***-**** • E-MAIL acdcfa@r.postjobfree.com

SERGIO CONTRERAS

O BJECTIVE

To offer my broad-ranging experience and track record of success in management, sales, and loan

origination to an organization that can use my: attention to detail, problem solving skills, and

ability to motivate my peers & subordinates to provide the highest level of service to the public.

E XPERIENCE

June 2011-Present Davie, FL

Floridian Community Bank

Mortgage Loan Originator

Originate residential loans and qualify prospects for loan approval by collecting and

analyzing their financial status through underwriting their income, debt, and credit reports.

Assess customers' suitability for funds and ability to repay in accordance with conventional,

government, and lender guidelines and procedures.

Customize loan programs tailored to meet the financial needs of individual clients by

providing desirable payment and cost levels associated with buying a new home.

Answer any promotional inquiries, complete detailed applications, draft loan documents,

and travel to meet with potential clients at times and locations convenient to their schedule.

Obtain all documentation related to mortgage processing in order to prepare for

underwriting. Provide disclosures including the Truth in Lending & Good Faith Estimate.

For refinance, calculate current loan and financial status versus savings of a new loan.

Provide advice on further financial savings available through debt consolidation.

Ensure timely closing of loans by maintaining constant communication throughout the

entire loan process amongst borrower, loan processor, realtor, appraiser, and title company

Responsible for increasing the bank’s mortgage-lending portfolio by spending 50% of time

outside of the office in business development and consultation activities with borrowers,

branch channel associates, realtors, and builders.

Receive continuing education to stay abreast of any new mortgage loan products that can

better meet the needs of bank customers.

Nov 2001-2011 Plantation, FL

HomeTerra Real Estate Services

President and Principal Managing Broker

Consistently averaged $6.7 million per year in personal sales. From 2007-2009,

accomplished a sales volume of $3.7 million while overcoming the worst real estate market

in 40 years.

Extremely high closing percentage of 93% of the firm’s real estate property listings

Acquired 86% of sales through referrals.

Originated residential loans and qualified prospects for loan approval.

Contracted and sold new accounts with developers, builders, banks, and corporations

through B2B sales. Clients included: GL Homes, Lennar, Centex, Wells Fargo, and

Deutsche Bank.

Hired, trained, and managed the efforts of as many as six realtors who played a key role in

boosting additional company sales and profitability in a highly competitive market.

Controlled the creation and design of the company’s marketing and advertising campaign.

Including Web site, Internet exposure, Virtual Tours, Newspaper and Magazine

advertisements, Brochures, and Direct Mail.

Provided credit repair services and legally deleted derogatory accounts for prospects with

low credit ratings; raising their credit scores while counseling them on using their credit

wisely.

Negotiated and reviewed all real estate contracts and required disclosures. Guided clients

through all phases of the sales process while preparing them for closing.

Establish relationships and coordinate with a wide range of Lenders, Banks, Mortgage

Processors & Underwriters, Appraisers, Attorneys, Title Companies, and Developers.

June 2003-2008 Plantation, FL

Fleetwood Funding

Mortgage Loan Originator

Guided prospective borrowers through the process of applying for a loan by conducting

interviews that obtained the necessary information and documentation to complete an

initial mortgage application.

Pre-qualified borrowers and completed preliminary underwriting based on the documents

and data obtained. Made recommendations on the mortgage products that best met their

needs and inputted the application in the processing system.

Engaged in business development activities such as cultivating and managing relationships

with parties involved in the real estate/mortgage industry such as Realtors, Brokers, Title

companies, Business Leaders etc.

Working knowledge of FNMA & FHLMC requirements and guidelines with experience in

completing files to meet the established standards.

Counseled and advised borrowers in understanding and clearing credit and other problems.

E DUCATION

May-1999 Tallahassee, FL

Florida State University

Bachelor of Science Degree in Business Administration

Majoring in Small Business Entrepreneurship & Small Business Management GPA: 3.0

Personally financed 80% of my college education through establishing a start-up business

Founding Father/Rush Chairman of first ever Pi Lambda Phi fraternity chapter at FSU

L ICENSES & QUALIFICATIONS

Fluent in English and conversational Spanish

Florida Licensed & Registered Mortgage Loan Originator with the NMLS

Florida Registered Real Estate Appraiser Trainee and Mortgage Loan Processor

Florida Licensed Real Estate Broker

Member of National Association of Realtors & Florida Association of Realtors

Member of Greater Ft. Lauderdale & Greater Tampa Association of Realtors

Proficient in Calyx Point, Fannie Mae’s Desktop Underwriter, Encompass, Byte Pro,

MLXchange, Transaction Desk,, Word, Excel, and Power Point

Contact this candidate