VICTOR J. FLORES JR.

**** ********** *** • Whittier, CA 90606 • Telephone: Cell 562-***-**** • e-mail

acpx4s@r.postjobfree.com

SUMMARY

Offering over 14 years of experience in mortgage lending, real estate & foreclosure fields

(Retail/Wholesale, Residential 1-4 Unit) Along with almost 10 years in management with experience

encompassing the sales, mortgage operations, underwriting, investor relations, foreclosure & quality

control aspects of the business. A detail oriented professional who can be a key team member, along

with possessing the ability to lead, motivate and develop associates to meet and exceed company goals.

EMPLOYMENT HISTORY

EDGE MORTGAGE FINANCIAL ADVISORY COMPANY, LLC – ANAHEIM

UNDERWRITER 04/12 – 01/31/2014

• Perform loan level reviews for acquisition, litigation and repurchase for adherence to specific

underwriting guidelines and transaction representations and warranties

• Quality assurance review of the initial underwriter’s loan at the time the loan originally funded

• Review of borrowers credit worthiness and the ability to repay debt. Evaluation of income

documentation, job stability and property evaluation

SERVICELINK – IRVINE

ESCROW CLOSING COORDINATOR 02/12 – 04/12

• Responsible for coordinating and closing of refi’s & purchase transactions from our Client in our

escrow division

• Create Escrow packages, merge escrow and lender docs, assign Notaries for closings, balance HUDs,

order updated payoffs, disburse funds to all parties, follow up on post closing requirements or trailing

docs

• Maintain a high level of communication and customer serve

REO WORLD – NEWPORT BEACH

REO ESCROW COORDINATOR/ CLOSER

SAN DIEGO CHASE PORTFOLIO / WAMU PORTFOLIO 06/08 to 09/11

In charge of overseeing purchase contract timelines with List Agent and/or Closing Attorney to keep

Client informed thru entire escrow for up to 120 Properties/Sales per month.

• Reviewed and revised escrow/closing instructions based on client’s needs.

• Reviewed purchase contracts with Closing Attorney/Closing Agent to ensure accuracy at settlement.

• Reviewed purchase contracts as well as all addendums submitted to the purchase contract, BPO,

Appraisals & HUDs

• Reviewed current & previous title reports for each Sale to ensure proper vesting & clear any Title

clouds that arise.

• Interfaced & negotiated with HOA, State, County & or City Municipalities and attorneys to get

listing to closing within each Municipalities guidelines

• Identify and resolve problems in a timely/efficient manner.

FIRST NLC FINANCIAL SERVICES (THE LENDING CENTER) – ANAHEIM

SENIOR CREDIT OFFICER/ UNDERWRITING MANAGER 01/04 to 08/07

I managed an underwriting team in a Retail Corporate Operations Center responsible for 12 direct

reports consisting of Underwriters and Account Managers. I maintained one of the lowest investor kick

ratios within the entire company with a very high quality standard.

• Served as the main Point of Contact between Underwriting staff and Retail Branch Sales team,

Customer and Operations team.

• Exceeded monthly volume goals through leadership, coaching skills while building strong

relationships with the Retail Sales and operations teams

• Maintained overall quality of loan submissions by providing a detailed review of the package

including various fraud searches when deemed necessary

• Investigated all available sources of income, credit and financial information provided by Customer

to verify monthly income

• Reviewed Appraisal to ensure the collateral met Company & Secondary market guidelines and was

sufficient to lend against

• Reviewed Title reports to ensure there were no clouds affecting title at time of funding.

• Prepared summaries presented findings & provided approvals/denials concerning Customer’s credit

worthiness.

Ameriquest Mortgage Company - Orange

SENIOR CREDIT ANALYST / UNDERWRITING MANAGER 05/03 to 01/04

Managed the daily operations in corporate office with 7 direct reports consisting of Credit Analysts •

Worked as a liaison between Sales force, Customer and Operations team.

• Performed a complete underwriting of loan submission to ensure quality of loan and salability of the

loan in the Secondary Market •

CREDIT ANALYST / QC UNDERWRITER 09/02 to 05/03

Reviewed daily submissions based on the 3 C’s rule. Credit, Collateral and the Capacity to repay •

Performed a complete underwriting of loan submission to ensure quality of loan and salability in the

Secondary Market • Trained and coached new hires •

Liberty Capitol Mortgage – Orange

ACCOUNT EXECUTIVE/LOAN PROCESSOR 07/01 to 09/02

Ordered and analyzed credit reports

• Calculated income, LTV & debt ratios • Performed VOE & VOD’s

• Ordered Title & Escrow

• Entered loans into Point & Genesis programs

• Prepared loan package for submission to lenders

Training and Seminars

Successful Managers / Supervisors

Keeper of the Flame – How to Inspire Others on the Cusp of Change

Management Fundamentals

Debt / Credit Assessment

Appraisal Fundamentals

Title Fundamentals

Closing Overview

Income/ Assets Assessment

***References available upon request***

Contact this candidate