Quality Assurance Sales

Gage Manos

Loan Processor, Loss Mitigation, Short Sale Negotiator

West Hills, CA

*********@*****.*** - 818-***-****

To utilize my skills, knowledge, and experience to efficiently meet targets in a timely and orderly fashion.

WORK EXPERIENCE

Junior Financial Advisor / Assistant Loan Processor

Standard Home Lending - Sherman Oaks, CA - January 2013 to Present

● Worked closely with our Loan Processors in calculating CLTV/HCLTV ratios, DTI, income sources and

conditions for packaging disclosures to clients

● Analyzed preliminary title policy reports to underwriting guidelines. Worked with Title and Escrow Companies

and assisted members with clearing clouds on title.

● Analyzed appraisal reports to underwriting guidelines. analyzed comparable selections, net/gross

adjustments, appraiser comments, etc.

● Reviewed credit reports and analyzes credit history in accordance with underwriting guidelines.

● Collected documents to complete loan applications and HUDs, as well as lender conditions

HAFA Marketing Associate

Dignified Transition Solutions - Westlake Village, CA - July 2012 to January 2013

● Audited and submitted financial documents and listing agreements

● Assisted with homeowners and their agents in marketing subject properties and submitting offers

● Maintained a portfolio of an average of 80 loans in Salesforce

● Processed all documents and notes in Equator with our vendors

● Coordinated with Attorneys, Agents, and Short Sale Negotiators in processing and submitting short sales

through the HAFA and COOP Streamline Programs

Loan Review Analyst

Bank of America - Westlake Village, CA - June 2011 to June 2012

● Coordinated daily pipeline and work allocation of mortgage insurance claims

● Reviewed and Appealed FNMA and FHLMC Repurchase letters

● Processed FNMA and FHLMC Rescind letters

● Located Existing documents internally and if needed externally

● Performed forensic re-underwrite of defaulted loans utilizing available tools and processes

● Recorded all findings in PAT/CLAIMS and review conclusions in QAS (Quality Assurance System)

● Reviewed and analyzed loans in AS400, I portal, Lexis Nexis to appeal all repurchase requests.

● QC work of team members

Bankruptcy Specialist

Bank of America - West Hills, CA - December 2010 to April 2011

● Learned the basics of Chapter 7s and Chapter 13 bankruptcies

● Trained in creating spreadsheets for our attorneys for filing of motion for relief(of stay)

● Worked with attorneys and paralegals in completing MFRs and supplementing supporting docs

● Trained on updating and balancing BofA's internal chapter 13 account ledgers

● Identified if loans had enough money in suspense to create a payment coupon and applied payments

● Selected for MFR Pilot Team to essentially test new procedures while coordinating with RISK Management

in fine tuning our manual and procedures for future associates

Junior Financial Advisor

Standard Home Lending - Tarzana, CA - November 2009 to December 2010

● Successfully originated and funded over $4,000,000 in loans.

● Managed company branch's weekly pipeline

● Answered and handled multiple phones and responded to email and fax inquiries.

● Worked closely with our Loan Processors in packaging disclosures for clients

● Coordinated with associates from title companies in ordering title insurance on loans

● Collected documents to complete loan applications as well as lender conditions

● Obtained, reviewed, and updated Loan Modifications.

● Assisted in the training of management staff for field operations

● Generated business through referrals and past clients

Recruit

Marine Corps - San Diego, CA - February 2009 to August 2009

● Engulfed myself in USMC Training

● Engrained by my Drill instructors the meanings of Honor, Courage, and Commitment

● Dropped halfway though training for leg injuries

● Maintained positive demeanor for 4 months to go back to training

● Dropped with Honorable Discharge (Medical)

EDUCATION

General Education

Los Angeles Pierce College - Winnetka, CA

2006 to 2007

Diploma

West Valley Academy - Winnetka, CA

2003 to 2007

SKILLS

● Proficient in office administration, sales, loan processing, tax return and financial auditing, and inventory

procedures ● Detail oriented with strong analytical, organizational, and communication skills ● Excellent

interpersonal skills, phone manner, and office etiquette ● Transcription (100wpm,) ● Proficient in the following

computer software: Salesforce, Equator, Calyx Point, AS400, PAT, CLAIMS, QAS, ISeries, Windows XP/7,

PowerPoint, Excel, Word, WordPerfect, Office ● Dependable, efficient, and committed ● Ability to meet goals

and deadlines while performing in a professional manner ● Works effectively in teams as well as independently

● Works well under pressure and willing to learn

MILITARY SERVICE

Service Country: US

Branch: Marine Corps

Rank: Recruit

February 2009 to August 2009

Honorable Discharge (Medical)

Contact this candidate