Farhang Esfahani

240-***-**** ***Marcia Lane,

ad4zid@r.postjobfree.com Rockville, MD 20851

Lock desk analyst with years of experience and exceptional expertise, looking for an opportunity to advance my career in the mortgage field.

Expert in Loan Pricing Skillful Communicator & Time Manager

Adept in Organization & Multitasking Exceptional Customer Service Abilities Exceptional Mathematic Skills Detail-Oriented/Creative Problem Solver

Education & Technical Skills

Dana College, Blair, Nebraska

B.S. Degree in Computer Science and Mathematics

Microsoft Office Optimal Blue Encompass Greenfield Unifi Pardot

Professional Experience

United State Postal Service Sep 2022 - Present

Mail Career

Rockville, MD

Responsible for making sure all packages and mail is delivered to each address within assigned territory as well as having general familiarity with postal laws, regulations, products, common procedures, and basic geography of assigned areas.

First Guaranty Mortgage Corporation Sep 2015 – Jun 2022

Pricing Analyst II

Plano, TX

Maintained lock/pricing data within the company’s central LOS system.

Sent out lock confirmation to brokers, loan officers and account executives.

Confirmed pricing for various origination channels to ensure accuracy and best execution.

Consult clients and provided customer service on pricing.

Registered and/or locked agency and non-agency loans.

Processed Best Effort and Mandatory commitments on both buy side and sell side

Locked loans manually and via Pricing Engine.

Processed and recorded rate lock modifications while ensuring accuracy and investor’s guideline parameters.

Verified that each loan has met minimum milestones in LOS system also ensured that all data and loan product inputted into the system were correct.

Worked with leadership to implement changes, update process work flows and assisted with training as necessary.

Worked with trade desk to ensure pipeline data was accurate for hedging and trading activities.

Checked commitment expirations and extended with investors if needed.

Accurately maintained and created several daily reports.

Capital One Bank Home Loans/B.F. Saul Mortgage Company Jan 2002-Aug 2012

Senior Lock Desk Analyst / Secondary Marketing

Bethesda, MD

Managed the daily operation of the Lock Desk including answering the Rate Lock Desk phone line and returning e-mails answering rate lock questions from Capital One employees.

Maintained, run and distributed departmental reports including company reports and Extension Fee Waiver tracking.

Assisted other departments to maintain internal pricing models and performed morning pricing uploads and mid-day pricing changes.

Ensured the flow of accurate loan (specifically Lock-in) data into the Department’s systems, and assist with the administration of the tasks associated with the Company’s interest rate risk management program.

Reviewed and processed extensions, relocks, float-downs, and program changes in accordance to the Rate Lock Policy and company guideline.

Analyzed, reviewed, and executed underwriting/product exceptions. Maintained Exception Database, and provided periodic reports to senior Bank management.

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