Real Estate Manager

Nathalie Nunez

**** ** ** ****** *****, FL ****5 Phone: 786-***-**** E Mail: **********@*****.***

Profile Summary

Accomplished and dynamic professional, with solid and diverse experience in mortgage underwriting, processing, and real estate title work,

recognized for consistently achieving company goals. Proven ability to identify and deal with client’s needs and translate them into crisp, compelling,

creative and informative copy. Innovative, strategic thinker with ability to go through a large volume of information and pick out salient points that

are of interest to the mortgage lender and the borrower. Enthusiastic and reliable with recognized ability to achieve organizational goals while

displaying effective multi tasking and time management skills. Proactive and results oriented with excellent interpersonal and communication skills

and experienced in working with different teams and individuals at all levels from diverse cultural and socio economic backgrounds.

Experience

Green Shack Corporation, Operations Manager January 2012 October 2012

• Designed menus and dining room layout; renegotiated terms with vendors/suppliers; halted rampant waste; and unified front and back of house

staff to create a cohesive, cooperative team committed to premium guest service and optimum profitability.

Centennial Title Group, Licensed Title Agent & Proprietor May 2004 December 2011

• Worked as a liaison with clients, agents, sellers, and buyers to facilitate closing process.

• Responsible for reviewing HUD disbursement worksheets and settlement statement.

• Responsible for overseeing conditions at closing and funding conditions.

• Audited all company files before and after Title Policies were issued to ensure underwriters guidelines.

• Solely responsible for Trust Escrow Account and company audits.

• Awarded by title underwriter yearly for maintaining all files to guidelines and for exceeding expectations.

Financial Guaranty Mortgage Corp, Sr. Mortgage (Remote Underwriting) January 2002 December 2011

• Consistently met or surpassed all established quotas throughout tenure by leveraging impeccable organizational skills to effectively manage

more than 15 files daily, working remotely at an offsite location.

• Review, examine and underwrite loans to ensure soundness, business value and compliance with company’s overlays and investor standards.

• Determine and document loan conditions and communicate requirements and/or decisions.

• Balanced the need for loan volume growth with the equally important necessity of optimum underwriting quality to minimize risk while

maximizing profitability. Maintained compliance with lending, underwriting and government requirements.

• Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting Fannie Mae/Freddie

Mac Conventional Loans, FHS/VA, USDA Loans, Jumbo Loans, HELOC/SM, and Sub Prime loans.

• Provided meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of Wage Earners and Self Employed

borrowers to determine risk and repayment capacity by their Tax Returns, debt ratio, loan to value ratios, credit score, property valuation and

various other factors.

• Demonstrated excellent follow through with borrowers, loan processors, loan originators and management throughout all phases of the

underwriting process.

Education & Certifications

Western Governors University 1994 1998

Mortgage Broker License & Real Estate Title Agent License 2002

Computer Skills & Languages

Calyx Point/PointCentral; BytePro; Soft Pro; AUS/DU/LP/MS Word and Excel; Windows OS; Mac OS X/ OS X Lion

Fluent in English and Spanish

2

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