Sales Real Estate

*

CLETUS N. NGAOKA ; **** BRASS TRAIL, AUSTELL, GA 301**-***-***-

**** *******@*****.***

PROFESSIONAL SUMMARY

Having Professional training and experience in the area of

Accounting, Banking, Finance, Sales, /Marketing and Financial Services.

Specialized knowledge including loan servicing, closing, post-closing,

auditing/QC, origination, processing, accounting, credit analysis,

financial analysis with state and federal lending requirements; FNMA, GNMA,

FHLMC and FREDDIE MAC guidelines and procedures. Knowledge of the UCC as

it relates to secured lending and leasing. Excellent written and oral

communication skills.

My commitment to professional standards consistently exceeds managerial

expectations in the performance of my responsibilities.

EDUCATION

LAKE ERIE COLLEGE, PAINESVILLE, OH

BS-MARKETING/MINOR-ACCOUNTING

PITMAN EXAMINATIONS INSTITUTE, LONDON, ENGLAND

CERTIFICATE - INTERMEDIATE ACCOUNTING

EMPLOYMENT SUMMARY

05/12 - Present LIFE AND HEALTH/ PROPERTY AND CASULTY LICENSED

INSURANCE PROFESSIONAL

Colonial Life, Kennesaw, GA

* As a Colonial Life Sales Representative, developed a

thorough understanding of insurance products and benefits each

one offers to clients and assist in

delivering that promise to clients and grow our insurance business.

* Outside Sales experience where I educate

brokers, agents and customers on a regular basis and conducting

presentations

* Ability and opportunity to work on quotes

that will generate the best selling opportunities for Colonial Life..

* Maintaining relationships and partner with

brokers and engage in a consultative partnership not only to help grow

Colonial life business but their business

as well and ability to walk and knock to door to door for considerable

distances.

* Handling and meeting and or activity goals

as it relates to number of new clients, quote activity, developing and

maintaining strong working relationships

with clients, agents and brokers and sold premium.

* Cold calling brokers, agents and or

customers to establish and maintain mutually benefiting relationships and

make sales.

04/04 -05/12 MORTGAGE CONSULTANT//PROCESSOR

Prestige Mortgage Lending, Austell, GA

* Origination of mortgage loans, building and

maintaining realtor, client and builder referral relationships.

* Providing 24-hours loan pre-qualification,

generating loan leads, sales and marketing to fill up pipeline.

* Ability to analyze financial account statements

including credit activities for a loan processing and packaging.

* Knowledge of various mortgage loan products.

Maintaining good relationships with various lenders.

* Assembling and processing all documentation in loan

file and ensured it meets underwriting submission guidelines

for FNA, FHA, VA Conventional and various

guidelines in concert with federal and state housing regulations

and private mortgage insures. Management,

Operations, Supervision and Training skills.

* Maintained ongoing lines of communications with home loan

specialist and members by answering questions

regarding mortgage files qualifications and

conditions. Practice safe-conscious behaviors in all operational

processes and procedures. Technology skills,

Microsoft word, Excel, Power Pont, access, Outlook, OneNote etc.

* Handled, prepared and recorded accounts

receivables and payables accordingly and prepared payroll.

03/03-03/04 MORTGGE CONSULTANT/PROCESSOR

Mortgagestar, Inc., Bethesda, MD

* Performed a variety of loan origination,

processing, financial and credit analysis activities on loan products.

* Real estate analyst, analyzing financial

statements, tax returns and profit and loss account statements.

* Providing mortgage loan product sales, building and

maintaining relationships with agents, builders, realtors

investors and sales personnel as a referral source

for mortgage loan product, sales and marketing experience.

* Established and maintained effective relationship

with all segments of the real estate sales markets including

agents, lenders, realtors, builders and sales

personnel.

* Introduced, explained and sell mortgage lending

products and objectives, philosophy, policy and practices.

* Established and maintained effective relationships

with all segments of the real estate sales markets including

agents, lenders, realtors, builders and sales

personnel.

* Introduced, explained and sell Mortgagestar lending

objectives, philosophy, policy and practices.

* Visited potential customers at home, took loan

applications and explained loan products to them as it fits their needs.

2

03/02- 02/03 SENIOR LOAN CLOSER/FUNDER

Homestar Mortgage Services, LLC d/b/a:

Elite Home Mortgage Services, Stockbridge, GA

* Preparing all documents and information needed to fund and

disburse the loan in accordance with the scheduled

Signed date. Preparing, reviewing

documents and route closing document packages to the appropriate

destination.

* Reviewing preliminary HUD-1 statement from

settlement/closing agent for funds/balance required from

borrower to insure that borrower's

closing expectations are met and accuracy.

* Scheduled closings with attorneys and

title company's and close loans in a timely manner in accordance with

company and investor requirements and

guidelines.

* Reviewed and approved title commitments,

hazard insurance policies, taxes and checked the borrower's social

security number in the MERS system.

Reviewed funds for delivery via wire to the closing agent.

02/98-01/02 POST-CLOSING SUPERVISOR, LOAN

CLOSER/FUNDER

Old Kent Mortgage Company, Atlanta,

GA

* Supervised staff of 13 and delegated

daily responsibilities. Handled notes, deeds, assignments and mortgages

error notices and made appropriate

corrections as needed to make the loans saleable. Post closing and

shipping.

* Trained employees in function of

internal audit loan files, research, general control and compliance

concepts.

* Prepared loan closing documents with high

level of accuracy and worked under pressure to meet deadlines.

* Properly collected and

disbursed funds, wire transfers as well as accurately documented the loan

files.

* Reviewed all final TIL prior

to funding conditions for accuracy and reconciled HUD-1 settlement

statement

for closing.

* Reviewed and approved title

commitments, hazard insurance policies, taxes and checked the borrower's

social

security number in the MERS

system. Reviewed funds for delivery via wire to the closing agent

06/96-12/97 ACCOUNTING CLERK/TAX ESCROW COORDINATOR

Commonwealth Mortgage Company,

Burlington, MA

* Posted adjusted entries, maintained

general ledger, bookkeeping and reconciled accounts and banks statement.

* Handled accounts payables,

receivables, researched for dishonored checks and knowledge of financial

statement..

* Prepared monthly, quarterly and annual

reports for a variety of mortgage loan portfolios.

* Transferred to loan servicing

department to maintain escrow accounts. Reviewed all loan documents and

gathered

tax and insurance information

on collateral properties and disbursement of escrow funds for taxes

as required.

* Coordinated the activities of

setting up plans to meet the anticipated tax payment goals, by securing

tax bills from

City and or Town Tax Collectors.

Monitored the status of real estate tax payments and insurance premiums.

PROFESSIONAL

DEVELOPMENT: MORTGAGE BANKER ASSOCIATION OF AMERICA (MBA)

CERTIFICATES ON THE FOLLOWINGS:

Closing, Shipping and Warehousing

Escrow Department Procedures and

Responsibilities

Introduction to Residential Mortgage Loan

Administration

Establishing a Quality Control Program

INTERESTS Traveling, Reading, Soccer, Tennis, Photography

and Art.

Contact this candidate