Real Estate Sales

Angela M. Moseley

C: 214-***-****

**************@***.***

Objective:

Long term, career position in a team oriented corporate environment. Open

to new paths in the Financial Industry as well as the Mortgage Loan

Industry. A position with a stable firm and the ability to excel are most

desirable.

Professional Experience:

Capital One Bank Consumer Credit Underwriter II

09/18/2009-Present

Review and underwrite Conventional, FHA, and Home Equity LOC's for

consumer loans originated in COF assigned regions, assuring compliance with

all credit policies and consumer lending regulations. Underwrite loan files

that fall out of the automated project plan. Responsible for reviewing

financial statements, applicable ratios (DTI / LTV), credit reports,

mortgage payoffs, title reports, property surveys, appraisals, homeowners

and flood Insurance, etc. Validate income, assets, and collateral documents

including self-employed tax returns. Ensure compliance with COF lending

guidelines and secondary market investor standards, examine loan

documentation for accuracy and completion, work with loan originators and

production staff to secure all required documents and conditions for loan

are met, work with senior Underwriters on loan exceptions, possess

authority to withdraw and decline loans. Prepare underwriting approval and

condition sheet listing terms of approval and all conditions. Prepare

denial forms for loans which did not meet specified guidelines. Work and

interact with loan officers, processors, and closers from the Loan

Production Office. Contact high volume of customers, as needed. Assure

that the credit quality of the portfolio remains within standards

established by senior management. Perform risk analysis and forensic review

on client's mortgage loan files. Make appropriate and intelligent decisions

regarding deficiencies identified during the review of mortgage loan files

to ensure compliance with company, industry and federal guidelines.

Diligently identify transaction components that indicate the potential of

fraud within the loan documents. Perform sufficient investigative work to

detail and resolve any fraudulent issues that have been subsequently

identified. Accurately record data and compile a review of the

circumstances and applicable conclusions. Additional related duties may be

assigned, as required, by senior level underwriters and VP staff.

Keller Williams Realty Real Estate Agent

03/20/2007-

Present

Self-Employed, Residential Home Sales, work with Investors, Buyers and

Sellers with all their residential real estate needs. Possess experience

listing foreclosed properties, completing BPO orders for pricing &

marketing recommendations, seasoned in property management for both

investor-owned lease homes and REO assets for local banks, conducting

Competitive Market Analysis (CMA) to determine Fair Market Values,

attending home inspections to determine property condition and assess any

needed repairs, negotiating home sales price and repairs, collecting escrow

monies and depositing with Title, educating clients on home sales

process/current market conditions/& home values. Review HUD-1 Statements,

Title Commitments/Schedules, Surveys, and Deeds/Covenants/& Restrictions

prior to closing with clients, attend closings to ensure transaction closes

smoothly, and regularly attend educational seminar/courses to revamp my

knowledge and stay on top of current trends. Set projected monthly sales

goals and create both a marketing and prospecting plan to meet them.

Skilled in prospecting, relationship building, and forging life long

clients.

First Horizon Home Loans Foreclosure Specialist II/Legal

Processor 10/01/2008-07/31/2009

Process bank's real estate collateral from incept to sale through outside

legal attorneys nationwide. Knowledgeable in both Judicial and Non-Judicial

foreclosure processes, which included drafting/revising Initial

Default/Demand Letters, Notices of Acceleration, Complaints, Process

Service, Motions for Default/Entry of Default, Affidavits, Motion Summary

Judgments, Hearings, Publication Notices, and Sales. Review title

searches/date downs to determine any and all outstanding liens or defects

on title which may affect bank's assets and determine priority of lien

handling prior to sale. Provide supporting documentation to outside

attorneys to file title claims to clear any/& all defects on title. Pull

Accurint Reports through Lexis Nexis to assist process server in locating

borrowers. Order payoffs and provide judgment figures. Provide Bid

Instructions to substitute trustees/process servers conducting the sale and

follow up to collect recorded Deeds/Certificates of Title. Experienced in

Bankruptcy Law and Litigation casework, maintained Bankruptcy portfolio by

reviewing transcripts and schedules, obtaining motions to lift stay, served

as liaison between bank, borrowers, court, and outside attorneys, provided

weekly status updates to CFO. Worked close with Asset Resolution Managers,

Borrowers, & Real Estate Brokers to strategize workout resolution

options/plan to cure defaults with borrowers. Review attorney invoices for

approval to ensure costs were charged accurately for each file in my

portfolio. Knowledgeable in Special Asset/REO database systems,

Title/Escrow/Legal terminology, and workflow management. Set monthly

resolution goals and work diligently to assist bank wind-down their bad

assests. Manage REO and down-graded asset pipeline reports to provide both

projected and closing figures to senior level executives over bank's OTC

division.

First Horizon Home Loans Conventional Underwriter I

03/28/2005-10/01/2008

Underwrite mortgage loans in conformance with FNMA/FHLMC/FHA/VA guidelines,

also within bank defined parameter guidelines. Responsible for approving

and/or denying mortgage loan applications by evaluating and verifying loan

applications taken by loan originators, determining whether or not the

borrower will be able to repay the loan. Verify income and employment

information, review credit history and calculate the value of borrower's

collateral and assets. Ensure that the property specifications and loan

terms meet lending guideline requirements and government regulations.

Document the reasons for approval or denial of the loan and add the

documentation to the loan file. Prepare underwriting approval and condition

sheet listing terms of approval and all conditions. Prepare denial forms

for loans which did not meet specified guidelines. Work and interact with

loan officers, processors, and closers from the Loan Production Office.

Work with Operations Supervisor, Branch Manager, and Underwriting Team to

ensure the efficient operation of the Loan Production Office. Provide

consistent quality customer service to both internal and external customers

that met or exceeded standards. Additional duties as assigned and/or

requested.

Education:

03/17/2007 Champions School of Real Estate

Real Estate License

8/2002-12/2002

SMU Psychology /

Spanish Undergraduate Studies

8/1999-8/2002 Mountain View College

Transfer Program - General Studies

8/1993-7/1996 MacArthur High School

Who's Who Award - Early Graduate Program

Professional Skills:

> Mortgage Underwriting in Conventional, FHA, and VA - (Automated and

Manual)

> Knowledgeable of FNMA and FHLMC lending guidelines

> Knowledgeable of LP and DU automated underwriting systems

> Government mortgage underwriting experience

> Experience with FHA connection, how to run and read D/U findings, and

HUD guidelines

> Familiar with fraud detection techniques, lending guidelines, mortgage

banking industry, and loan renegotiating experience analyzing,

reviewing, and underwriting complex or large individual consumer

requests

> Secondary Market Experience

> Risk Analysis

> Strong oral and written communication skills

> Possess excellent analytical skills

> Software experience with all Microsoft Office Products including Word,

Excel, Powerpoint, Access, & Outlook; DU & LP, FHA Connection, Calyx

Point, CLUES, CLOUT, CHUMS, EDGE, AS400, Loan Center, COPA, Extra, Doc

View, The Wage Earner, NTREIS (MLS), Top Producer 8i, RedX, Quick

Books, Timberline, PeopleSoft.

*Bilingual in Spanish

*References Available Upon Request

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