Customer Service Manager

KAREN COLLIER

*** ********* ****

Riverside, Ca. 92507

Cell: 909-***-****

Email: ************@*****.***

QUALIFICATIONS

My background is in business ownership and management, supervisory

positions in the mortgage lending industry along with many years of loan

processing and underwriting experience. My strengths include the ability

to handle multiple tasks, learn new skills, to complete all tasks

competently and in a timely manner. I am detail oriented, organized and

efficient and I will go out of my way to help others. I am up to date on

all FNMA/FHLMC and FHA underwriting guidelines. I have a long history of

reliably making underwriting decision predicated on sound underwriting

principles consistent with investor guidelines, rules and regulations. I

am also knowledgeable in the use of all Microsoft office software systems

and the operation of office equipment. I am fluent on Quickbooks payroll

and accounting software.

EDUCATION

1995-Pres San Bernardino Valley College and Riverside Community

Colleges (Mathematics major)

1976-1980 Rubidoux High School

EMPLOYMENT

2010-Pres. Tarbell, Realtors - Realtor

Joined Tarbell, Realtors as a sales associate.

Responsibilities include handling buyer/seller questions and

calls, generating new business through client relations,

holding open houses, managing buyer/seller files, data input,

file tracking, condition monitoring, working with escrow,

title, lenders, negotiators, buyers, sellers, inspectors,

appraisers, reporting to manager file status and ensuring

complete customer satisfaction through the successful close

of the transaction.

1997-Pres. Co-Owner: CMCI Masonry Construction, Inc.

Duties and responsibilities include payroll, human resources,

accounts payable, accounts receivables, annual insurance

renewals and audits for G/L, W/C, auto, renewals of licenses

and bonds, solving all IT issues and problems, preparation of

mandatory quarterly and annual reports for State and Federal

taxes, assurance of timely payment for all tax liabilities,

bank reconciliations, file management and customer service.

2004-2005: IslandPacificFunding.com -

Working with buyers and borrowers on refinance and purchase

mortgages. Using the

Encompass system to submit loan files to processing and

lenders, ordering appraisals, title and escrow. Following up

on all stages of loan process to ensure a successful close of

transaction and full satisfaction of client.

1995-1997: Contract Underwriter - Life Savings Bank, Riverside, Ca

Responsible for the timely, accurate underwriting of a very

high volume of mortgage loan files, knowledge and application

of investor guidelines for saleable loan files.

1-94 - 4-95: Mortgage Loan Underwriter - SC Funding, Irvine, Ca

Team underwriter assigned the responsibility of timely,

accurate underwriting of a high volume of mortgage loan files

meeting all investor guidelines for sale-ability. Extensive

experience reviewing title and escrow documents and purchase

agreement; also analyzing tax returns, asset a I was

responsible to meet or exceed a quota of at least 8 loans

daily submitted by a team of 4 loan originators and two loan

processors. Responsibilities included assisting other teams

as needed.

1991- 1994 Mortgage Loan Underwriter / Dept. Supervisor - Directors

Mortgage, Riverside Ca

Upon hire I worked in the conforming conventional mortgage underwriting

department. After a short time period I was promoted to the non-

conforming (jumbo) conventional mortgage department where I was

responsible to underwrite to investor standards the most complicated

and complex loan files. I was further promoted to the position of

Supervisor of this department which included 6-8 loan underwriters.

Extensive experience reviewing title and escrow documents and purchase

agreement; also analyzing tax returns, assets, income and liabilities.

My additional duties included tracking investor guideline changes and

communicating current changes and issues to my staff of underwriters,

assisting in documentation issues and decision-making issues on complex

loan files and holding weekly meetings to keep the loan staff up to

date on industry changes.

1985-1991: Processor / Underwriter - Great American Bank, Riverside,

Ca

Hired as a loan processor. Duties included working closely with the

loan originators and borrowers, making sure each file was processed

properly and timely and submitted to underwriting. Experience drawing

loan documents. After approval I was responsible for printing all

loan document packages for borrower signatures, for assuring all

underwriting and investor requirements were met and signed off and

loan files were submitted to the closing department accurately and

timely. After showing in interest in advancement I received training

which allowed me to advance to the position of underwriter.

1988-1990: Bartender - Pepitos Mexican Restaurant, Riverside, Ca

I held a second job during this time as a night bartender at Pepitos

Mexican Restaurant. Duties included bar set-up, customer service,

working with waitress and chef staff and serving clients.

1983 - 1985: Inventory Control Clerk - Leisure Time Services, Riverside,

Ca.

This company was the parent and management company of five local scuba

diving stores. My duties included daily record-keeping and data input

of all sales slips from each of the dive stores, preparation of daily

sales and inventory reports, weekly inventory stocking from prepared

reports for each of the stores, semi-annual physical inventory

inspections.

1980 - 1983: Stenographer to Patient Accounts Manager, Riverside General

Hospital, County of Riverside:

Stenographer II classification for the County of Riverside. Worked

directly for the Patient Accounts Department Manager.

Duties included file management, stenography, typing and

transcription of department correspondence, working with collections

officers and front office patient accounts representatives.

Other Achievements / Licenses:

I hold a Private Pilots License issued Dec 1993 from the FAA

I hold a Real Estate Salespersons license from the California DRE.

#01892909

I am presently working on my AS-Mathematics

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