Real Estate Customer Service

E rnesto Castellanos

***** *** ***** **. ********, CA 92563 C: 619-***-**** *********@*****.***

EXCEPTIONAL LOAN UNDERWRITING

CLIENT CUSTOMER SERVICE * ADVANCE MORTGAGE EXPERTISE * SUPERIOR WORK ETHIC

Skills include:

Mortgage loan Underwriting Hard Money Lending

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FHA Federal Housing Administration Commercial Lending

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VA Loans /VA Veterans Administration Home Equity/Second Mortgages

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Sub Prime Underwriting /Financial Refinance / Purchases

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Statement

EXPERIENCE

WELLS FARGO HOME MORTGAGE, IRVINE CA 12/2010 – 11/2011

CONVENTIONAL UNDERWRITER LEVEL 2

Key projects:

Review, examine and underwrite loans to ensure soundness, business value and compliance with

company and investor standards.

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

Review detailed historical and projected financial analysis utilizing tax returns and financial

statements.

Independently conduct full and comprehensive evaluations of a variety of complex, high-risk

mortgage loan applications.

Review and analyze special conditions, loan deficiencies and exception requests to determine

appropriate courses of action.

Manage the on-site process of buying and selling non or under-performing loan portfolios.

Serve as a project leader on special assignments.

CHASE, SAN DIEGO, CA 12/2009 – 11/2010

CONVENTIONAL UNDERWRITER / LOSS MIDITIGATION UNDERWRITER

Loan modification specialists I work with borrowers who are close to or have defaulted on their mortgage. I will simply

underwrite the loan to do an adjustment made to the terms of the existing loan to reduce the probability of a borrower

defaulting. Common adjustments include: Interest rate reductions, extension of length of loan term, change to loan type

or a mix of all adjustments. Underwriting new home loans and existing loans on the books with new government

programs.

Key projects:

• Earned a reputation as a top performer in the company, consistently working up to 5-6 files a day.

• Best Employee Award for the first quarter of the year.

• Analyzed risk factors and structured complex loan transactions.

• Proven dedication and initiative, maintaining personal accountability and top levels of

performance.

• Fast learner known for exhibiting creativity and solid leadership skills to quickly resolve loan issues.

A PLUS FUNDING, EASTLAKE,CA 01/2008 –12/2009

BRANCH MANAGER / UNDERWRITER

Overall management responsibility for branch personnel. Develop and maintain small business customer

relationships. Identify and refer customers to investment services, mortgage, trust/private banking and

commercial banking.

Key projects:

• Demonstrated leadership proficiency in sales, service and operations.

• Providing knowledge and expertise to employees regarding loan programs and new Rate terms.

• Managed human resources, established production goals, optimized profitability and controlled

operating expenses.

• I developed new business, retains customers, and managed the loan portfolio/Pipe line

AMERICA’ S FINANCIAL, EASTLAKE,CA 06/2000 –12/2008

DISTRICT MANAGER/ OWNER

Specialized in real estate finance, connecting borrowers with appropriate lenders. They assess the needs of the

borrower and then match that borrower with one of many lenders the broker. Reviewer’s borrowers' credit backgrounds

and try to find the best deal for each person. They need to balance factors like the length of the loan repayment

schedule, the interest rate and the monthly payment, depending on each client's financial situation. Collected a diverse

range of information about each borrower and provides a file on him or her to the lender, as well as negotiating the

details of the loan between the two parties. Specialized in managing staff and Real Estate Agents.

Key projects:

Finding the most suitable mortgage for a client from various mortgage offers available in the mortgage

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market.

Coaching staff and Real Estate agents on the changes on the market and the lending products.

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Funding over 12 million dollars a month of production.

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Managed human resources, established production goals, optimized profitability and controlled

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operating expenses.

I developed new business, retains customers, and managed the loan portfolio/Pipe line

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EDUCATION & TRAINING

Castle Park High School, Chula Vista, CA 1994

San Diego State University, San Diego CA 1996

Anthony Real Estate School, San Diego, CA 2000

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