Marc Villafuerte

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

North Wales, PA 19454

215-***-****

acflxj@r.postjobfree.com

Financial Services Professional, New York Life, Bala Cynwyd, PA, November 2013 – April 2014

• Prospect for new clients though individual marketing, referrals, cold calling.

• Received intense training in sales and marketing techniques as well as knowledge of financial products such

as life insurance, annuities, long term care insurance and mutual funds and retirement products.

• Licensed in Life, Health and Accident insurance in Pennsylvania.

• Face to face meetings with clients to build rapport and trust, in depth analysis of current financial situation

and presentation of solutions for current and future goals and needs.

Contract Appraisal Underwriter, STARS (Speedy Title & Appraisal Review Services), a CoreLogic Joint

Venture, Mt Laurel, NJ, April 2013 – August 2013

• Reviewed and decisioned appraisals in accordance with investor and PMI guidelines. Evaluated third party

valuation/ risk tools to assist in determining appraised value.

• Reviewed, added and cleared conditions related to discrepancies found during collateral review. Made

outbound calls to Appraisers to resolve any issues needing clarification and/or unsupported valuation issues.

• Ordered addenda through vendor management. Rated appraisal quality and offered alternatives where

applicable. Communicated status with processors, underwriting, sales and clients as required.

• Prepped files for investor/agency audits. Met established Production and Quality minimums on a consistent

basis. Consistently met established turnaround times. Performed other duties within STARS, as needed.

Business Card Credit Analyst (Portfolio Risk Review), JP Morgan Chase, May 2012 – Feb 2013

• Analyzed existing Business Card accounts - Utilized consumer and business credit bureaus, account behavior,

customer demographics and payment patterns to determine if a credit line reduction or account closure action

needed to be taken to prevent future delinquency and credit losses.

• Portfolio includes more than $130 billion in loans and more than 65 million credit cards in circulation.

Credit Analyst, Magnum Cash Advance, Wilmington, DE, Dec 2008 – April 2012

• Analyzed industry credit reports as well as income documents and asset statements for processing of short

term unsecured loans. Duties also included processing, training new hires, fraud prevention, collections, as

well as a strong customer service role.

Account Manager, Bank of America, Newark, DE, December 2007 – December 2008

• Serviced small business cardholders, answered questions about interest rates, billing cycles, missing or lost

payments, fraud referrals and disputes.

• Educated customers on promotions, finance charges, negotiated fees, explained billing types, as well as gave

information for tax forms, cross-selling of additional financial products.

UNDERWRITING EXPERIENCE:

Mortgage Insurance Underwriter, Bona Fide Mortgage, Wilmington, DE, October 2005-December 2007

• Main focus was approval of residential real estate loans up to $1million through Genworth reps and warrants,

100% accuracy rate, no loans were bought back.

• Trained loan officers and processors on underwriting basics to better understand what questions to ask during

interviews with potential borrowers.

• Also managed inside operations of a mortgage broker, implemented processing, compliance, due diligence, and

underwriting quality control.

• Underwriting and approval of high-risk hard money equity based property investment deals funded and serviced

by the company. Solicited investor money for hard money deals.

• Cultivated relationships with larger lenders and negotiated terms for warehouse lines to fund and service our own

loans.

Mortgage Contractor: November 2001-October 2005 (Primary Agencies were RPI and American Mortgage

Consultants.) Assignments were in various locations throughout the country

• Front line, due diligence and compliance underwriting of conforming Alt-A and sub-prime loans.

• Direct contact with investors, borrowers, brokers, closing attorneys, title agencies, appraisers, etc.

• Involved in high-pressure company buyouts, mergers and acquisitions, securitizations, special projects and high

volume situations.

Sr. Underwriter, Decision One Mortgage, Horsham, PA, April 1999-January 2001

• Manually underwrote and approved sub-prime residential real estate loans to company guidelines, analyzed credit

bureaus, income documentation, real estate appraisals, tax and insurance documentation, title reports, and other

compensating factors to ensure profitability and compliance. Involved in all aspects of loan from application to

closing.

• Duties included heavy customer service role, developed and managed relationships with brokers, designed and

implemented training programs.

• Increased productivity, team of 2 underwriters and inside sales rep went from $4 million in closed loans per month

to consistently performing at $10 million per month.

Mortgage Underwriter: ContiMortgage Corp., Horsham, PA, July 1997-April 1999

• Manually underwrote sub-prime bulk loans to ensure compliance with company and industry standards.

• Customer service duties included developing and maintaining relationships with high profile, high volume clients

in the Southeastern U.S. region. Extensive travel for face to face meetings with clients to maintain relationships

and drive new business, led several off-site bulk loan purchases in clients' offices, negotiated purchase and sale of

loans that did not directly meet company guidelines.

• Underwriting team was responsible for company record $100 million dollar month for purchase of closed loans.

Team was consistently number one in the company for monthly loan production.

EDUCATION: B.A. La Salle University, Philadelphia, PA January 1995

LICENSES, CERTIFICATIONS, AND ACTIVITIES:

• Active Pennsylvania Life, Accident and Health Insurance License

• Mortgage Insurance Underwriting Reps and Warrants

• Hatboro-Horsham Soccer Club Assistant Coach, U12 Division

Contact this candidate