JOE GUTIERREZ

Dublin, CA *****

925-***-**** H 925-***-**** C

E-mail: acfpw0@r.postjobfree.com

Summary Statement

Dedicated mortgage professional with 22 years of progressive experience who is thoroughly

knowledgeable in the full cycle of loans from Sales/Origination through Processing, Underwriting and

Closing/Funding. Analytical, detail oriented with exceptional skills in communication, management and

mortgage operations.

Career Highlights

Departmental Management of teams in the closing/funding departments;

Interviewed and hired employees

Reviewed performance for adherence of policies and procedures

Responsible for daily production goals

Troubleshoot office equipment and communicate with appropriate parties for resolution

Responsible for departmental privacy of customer information

Sales and Business Development

Originated mortgage loans from mortgage brokers through office calls, presentations

Maintained successful pipeline of active brokers

Trained office personnel in loan submissions

Conducted sales presentations in mortgage broker offices with Operations and Sales staff

Represented Citi Home Equity at local mortgage conventions

Created marketing material for external clients

Mortgage Operations

Loan set-up/Data Entry using associated industry-related software, with strict adherence to accuracy

Processing of retail conventional loans: constant communication with customers of documentation

requirements, managing pipelines and updating loan files on an ongoing basis

Underwriting of conventional, conforming and non-conforming retail loans and lines of credit

Implementation of due diligence, research, analytical, prioritizing and problem solving skills to each

loan while maintaining productivity and quality of service standards to both company and investors

with an end result of common sense underwriting

Drawing of loan documents: prioritizing, scheduling/coordinating with internal/external parties for

delivery of loan documents with accuracy and timeliness; proof docs drawn by others,

Funding: reviewed loan documents for completion and accuracy, ensures all closing conditions have

been satisfied, validates fees, prepare/order wire transfers, track follow-up items, delivery of closed

loan files to shipping/servicing

Post Closing: complied, researched, applied due diligence and collaborated with internal staff to

identify and obtain documentation to maintain strict adherence to internal and investor (government

sponsored enterprises) policies and procedures

PROFESSIONAL EXPERIENCE

December 2011 – June 2013

FREMONT BANK

Fulfillment Specialist/Underwriter III

Successful in a paperless environment to Underwrite FNMA/Freddie Mac Conforming/Non -

Conforming Conventional loans, DU Refi Plus, Second Mortgages.

May 2011 – Sept 2011

SEARCHLIGHT LENDING, San Francisco, CA

Sr. Account Executive, Private Money Lending

AEROTEK, San Ramon, CA June 2010 - Aug 2010

Contractor for Bank of America, Condo Co-Op Project Review Specialist

J. Gutierrez

Pg. 2

PINNACLE CAPITAL MORTGAGE, Concord, CA May 2008 - Apr 2009

Post Closing Specialist

Assisted Doc Drawers, Funders and Post Closing Department

FIRST HORIZON HOME LOANS, Pleasanton, CA Oct 2006 - Oct 2007

Account Executive

Maintained pipeline/book 250+ active Brokers in North, South and East Bay

Solicit new business

CITI HOME EQUITY, St. Louis, MO Mar 2005 - May. 2006

Account Executive

Maintained successful pipeline/book 250+ active Brokers in North, South and East Bay

Solicit new business

JP MORGAN CHASE, San Ramon, CA Oct 2001- Mar. 2005

Underwriter, Home Equity Loans

Supervised staff of 6 FTE in Closing Department

Performed credit analysis on Home Equity Loans/Lines.

FIRST NATIONWIDE MORTGAGE, W alnut Creek, CA 1998 - 2001

Senior Loan Funder, Supervisor/Lead

WAUSAU MORTGAGE CORPORATION, Pleasanton, CA 1996 - 1997

Real Estate Loan Funder

SAN FRANCISCO FEDERAL S&L, Pleasanton, CA 1994 - 1996

Real Estate Loan Funder

STANDARD PACIFIC SAVINGS, Newport Beach, CA 1991-1994

Real Estate Loan Processor/Funder

GLENDALE FEDERAL BANK, Irvine, CA 1989-1991

Real Estate New Loan Setup

References available upon request

Contact this candidate