Real Estate Sales

Terrence Morley

**** ********* **.

Riverside, CA 92507

**************@*******.*** Phone: 951-***-****

PROFESSIONAL PROFILE

Mortgage Banking Operations Manager with 10 years experience and a specialty in residential

mortgage. Especially effective at negotiations and management. Earned reputation for being the top

performer as well as the most knowledgeable about the industry. A vast knowledge of processes within

the line of business. Background also includes income underwriting for FHA, USDA, VA as well as

various other investors and property valuation review and marketing.

Areas of expertise include:

Negotiations FHA/USDA/VA Fannie Mae/Freddie Mac

Management Credit Analysis Property Evaluation

Sales Escalation Resolution Pipeline Management

Microsoft Office Real Estate Marketing SCRA

EXPERIENCE

JP Morgan Chase, San Diego, CA April 2005-Present

Liquidations Supervisor (4/2009 - Present)

Led top performing short sale team of 11 which included 8 negotiators and 3 closers

Top performing short sale negotiator for 8 consecutive months

Recognized top deed in lieu negotiator for 9 consecutive months

Created Attorney Audit process for deed in lieu

Developed and executed deed in lieu training for new negotiators

Perform income and expense underwrite for FHA, USDA, VA, Fannie Mae, Freddie MAC, etc…

Mitigate the loss on the note between the investor and the home owner through multiple workout

options such as Loan Modification, Short Sale, Deed In Lieu of Foreclosure and Settlement

Offers

Senior Loan Officer / Realtor Assistant (9/2008 – 2/2009)

Prepare purchase contracts for all new offers from clients

Closed an average of 1 million in combined real estate and mortgage loans

Ordered all inspections and third party services necessary for the transaction including but not

limited to property inspections, appraisals, termite inspections, and preliminary title reports

Contact potential clients to pre qualify for residential real estate mortgage by accessing their

credit and financial documents

Review MLS and research comparable properties to determine the fair market value for homes

Senior Loan Officer/ Equity Mortgage Lenders (9/2007 – 9/2008)

Trained all the Jr. Loan Officers on mortgage loan programs and processes

Created and Executed sales training for all new Jr. Loan Officers

Ordered and followed up on all third party services including Appraisals, Title Insurance etc…

Assisted with all escalations

Consulted with potential borrowers to determine their financial goals and current position to help

them choose the best loan program available for their needs.

Terrence Morley Page 2 of 2

Mortgage Consultant/ Lending Tree loans (11/2006 – 9/2007)

Consulted with potential borrowers to determine their financial goals and current position to help

them choose the best loan program available for their needs.

Originated an average of 20 1st trust deed refinance mortgage loans per month through the lending

tree lead aggregator.

Worked closely with the processing team to gather all necessary documents to satisfy both

closing as well as funding conditions.

Consistently finished in the top five percent in funding production for the department

Assisted with the resolution of all escalations pertaining to the loan origination process

Loan Officer/ Home 123 (4/2005 – 11/2006)

Originated more loans that any other loan officer in the Riverside office during the same time

frame.

Presidents Club Award winner for production.

Worked closely with the processing team to gather all necessary documents to satisfy both

closing as well as funding conditions

Ordered and followed up on all third party services including Appraisals, Title Insurance etc…

Assisted with the resolution of all escalations pertaining to the loan origination process

Consulted with potential borrowers to determine their financial goals and current position to help

them choose the best loan program available for their needs.

EDUCATION

Riverside Community College

Degree: Administration of Justice

Computer Education Institute

Certificate: Computer Networking Program

PROFESSIONAL TRAINING

Service members Civil Relief Act Awareness, JP Morgan Chase 11/20/2012

Military Servicing 101, JP Morgan Chase 4/04/2013

Fraud Prevention and Awareness, JP Morgan Chase 4/12/2013

Code of Conduct, JP Morgan Chase 8/27/2013

COMPUTER SKILLS/CERTIFICATES/LICENCES

Certified Novell Administrator, Comptia A+ certified, Microsoft Certified Professional, Hubell Wiring.

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