OMAR A. MARKS

**** ********* **** #***, *******, GA 30329 704-***-**** C kqtcss@r.postjobfree.com

~ S E E K I N G A F I N A N C E D R I V E N R O L E T O S T R E N G T H E N M Y B A C K G R O U N D ~

Experienced in All Aspects of General Accounting, Loan Auditing, Credit Analysis, Quality Analysis, Financial Analysis, Underwriting and

Strong Analytical, Mathematical, and Problem Solving Skills

OBJECTIVE

Highly skilled, hardworking professional with years of experience in combining cross-functional competencies in all phases of accounting, underwriting, finance, and staff supervision and management. Proficient in managing and developing financial reports and controls using staffing and technology efficiencies. Expertise in analyzing, developing and implementing stringent cost-reduction measures. Ability to contribute as a team player and interface with professionals on all levels. Expertise in identifying troublesome areas and implementing corrective measures. Areas of expertise include:

Underwriting Credit /Financial Statement Analysis

Financial Systems Reporting Expense Tracking & Analysis

Auditing Oral & Written Communications

EDUCATION

Alameda College and University

Master’s in Business Administration concentration in Management

Graduation Date: 2003

Alameda College and University Central Piedmont Community College

Bachelor’s Degree in Business Administration Certification in Underwriting

Graduation date: December 2000 Completion date: 2005

Underwriting Certification Courses (CPCC)

PROFESSTIONAL EXPERIENCE

WELLS FARGO HOME MORTGAGE

AUG 2009-PRESENT

LOAN ADJUSTOR

ROLES: UNDERWRITER, FINANCIAL ANALYST, LOAN DOC PROCESSOR, NEGOTIATOR

Thorough understanding of underwriting policies, procedures and investor guidelines

Strong analytical skills and background; Prime contact for customers.

Knowledge of FHLMC /FNMA/FHA/Reinsurance guidelines

Responsible for reviewing, analyzing and adjusting collection portfolios.

Handling workout and restructuring of problem loans restructuring payment plans

Proficient in managing pipeline of foreclosure loans

Corresponding with customers and adhering to terms of agreement for assurance

Communicate decision to appropriate individuals. (Approvals, Denials)

Corresponding with customers and adhering to terms of agreement for assurance

ASSET MANAGER 1 OCTOBER 2007–AUG 2009

ROLES: COMMUNICATION SPECIALIST, ASSET ANALYSIS, HOME PRESERVATION SPECIALIST

Sold retail banking products and services to customers & prospects

Managed customer portfolios

Developed & presented Business development material to local businesses

Provided broad base of financial & credit services

Developed & maintained relationships with Wells Fargo partners to maximize quality service & sale opportunities

MORTGAGE LOAN SPECIALIST IV APRIL 2007 – OCTOBER 2007

ROLES: TEAM LEAD, MORTGAGE NEGOTIATOR/ANALYST, FINANCIAL CONSULTANT

Responsible for performing a variety of loan documentation duties on complex loan issues

Process loan documents to ensure compliance with company policies and procedures for loan products.

Ensured proper processing, closing and compliance was followed with loan products.

Act as liaison between the borrower, loan officer, title agent and underwriter respectively to interpret company and government policies while analyzing applicant, property and documentation; ordering all required verifications, documentation and

subsequent follow ups.

MORTGAGE LOAN SPECIALIST III OCTOBER 2004-MARCH 2007

ROLES: MORTGAGE SPECIALIST, SCHEDULER, PROJECT MANAGEMENT KNOWLEDGE

Process Sub Prime Loans, Review Loans and process daily (review appraisals, title commitments, hazard insurance)

Analyze loan file for underwriting approval, Meeting conditions for loans for final approval

Communicating with Loan officers on a daily basis to assist in loan Process

Attempting welcome calls to the borrowers Reviewing assets and income,

Preparing closing packages for closing, requesting wires and checks for funding. Communicating with title agents to ensure borrowers have a smooth closing.

BANK OF AMERICA

JULY 2003-JULY 2004

SENIOR LOAN SPECALIST

ROLES: MORTGAGE SPECIALIST, TRAINING, PROJECT MANAGEMENT KNOWLEDGE

Perform, complete and accurate review of all incoming pipeline of 40 - 50 loans on same day as receipt to ensure fulfillment within Federal, State and Bank regulations.

Train new employees, assist phone bank and customers as a subject matter expert

& Perfect Wachovia's lien position on collateral secured loans.

Communicate daily with Account Executives to discuss mortgage products for potential borrowers

Analyzing credit reports

Verifying employment and rent for potential borrowers

Certified for FHA/VA loans as well as Conventional loans

CORE COMPETENCIES

Leadership Skills: Preparing and developing programs of action to accomplish objectives; demonstrating a positive attitude, strong work ethic, loyalty and dedication; considering the impact of decisions on the department, its members and community; obtaining cooperation; utilizing logic and sound judgment in decision-making; diplomatic, setting an example of integrity

Administrative Skills: Ensuring accountability of subordinates related to conduct and productivity; quick to recognize problems and execute solutions; systematically securing relevant information and identifying key issues; paying attention to detail; structuring tasks, plans and objectives to establish priorities and set goals

Communication Skills: Expressing ideas (written and orally) in an articulate, clear, concise, and effective manner; addressing large groups

Customer Service: Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction

REFERENCES UPON REQUEST

Contact this candidate