Customer Service Real Estate

DIANA F. LINDSAY

**** ****** ******, ****** *****, MD 21117

410-***-**** / abh2sd@r.postjobfree.com

Objective: To obtain a position as a Contract Specialist.

HIGHLIGHTS OF QUALIFICATIONS

- Extensive public service experience in the financial regulatory

field.

- Good eye for detail; well organized, skilled in setting

priorities.

- Strongly self-motivated, enthusiastic, and willing to assume

responsibility.

- Ability to relate to a wide range of people at all organizational

levels.

- Excellent communicator: able to draw people out and put them at

ease.

PROFESSIONAL EXPERIENCE

Loan Originator

. Build relationships with realtors, referral partners, counseling

agencies and market direct to the consumer to generate mortgage loan

transactions.

. Evaluate the creditworthiness of clients by reviewing credit, income

stability, debt, and assets. Structure mortgage loans which meet

clients' needs and my company's underwriting standards paying

particular attention to the layering of risks as well as product

overlays.

. Review and evaluate the real estate sales contract for sufficiency.

Make recommendations to the real estate agent and help structure the

contract.

. Set client expectation and assuage their trepidation as hallmarks of

excellent customer service.

. Process the transaction so that an approvable mortgage loan can be

delivered to the underwriter. Collaborate with clients to insure that

all loan conditions are met.

. Document the loan file to evidence compliance with applicable federal

and state laws and regulations.

. Insure a smooth close by overseeing and coordinating the timeliness

and performance of the participants- the appraiser, title company,

insurance provider,

home inspector, HUD Consultants for 203k loans, and assistance

programs to name a few.

Bank Examiner

. Supervised complex examinations, some under cease and desist orders of

the Bank Commissioner and the Commissioner of Consumer Credit. Led,

as Examiner in Charge, some of Maryland's largest financial

institution examinations including the Municipal Employees Credit

Union.

. Tested the quality of the loan portfolio by reviewing individual

loans, both mortgage and consumer, to determine that they were made in

accordance with the financial institution's underwriting guidelines.

Determined to what extent the portfolio was performing by monitoring

loan losses and insured that statutory reserves were properly stated.

. Reviewed accounting records to test compliance with applicable

Maryland laws and regulations. Consulted with smaller licensees to

organize and improve their record keeping functions.

. Maximized effectiveness and morale of staff by assigning tasks and

licensees related to employee interest and background thereby

promoting teamwork rather than competitiveness.

. Trained many of Financial Regulation's new examiners.

. Conducted exit interviews for the presentation of my written findings

and recommendations to management.

RELEVANT WORK HISTORY

1/10-present Capital Mortgage Finance, Columbia, MD Loan

Originator

10/09-12/09 Equitable Trust Mortgage, White Marsh, MD Loan

Originator

3/09-10/09 1st Preference Mortgage, Reisterstown, MD Loan

Originator

6/02-3/09 National City Mortgage, Balto., MD Loan

Originator

12/00-6/02 K Bank, Owings Mills, MD

Loan Originator

6/00-11/00 First Home Mortgage, White Marsh, MD Loan

Originator

2/99-6/00 First Mariner Mortgage, White Marsh, MD Loan

Originator

8/96-1/99 Wells Fargo Mortgage, Lutherville, MD Loan

Originator

1/96-5/96 First Mortgage Corp., Flossmoor, IL

Loan Originator

5/95-1/96 Norwest Mortgage, Chicago, IL

Loan Originator

3/93-12/94 AMC Mortgage Corp., Baldwin, MD Loan

Originator

3/75-12/92 State of MD./ Financial Regulation

Senior Financial

Examiner

ACCOMPLISHMENTS

. Consistently made the top Fifty List during 2007 through the middle of

2008 for units and income generation for the Mid Atlantic Region of

National City Mtg.

. Consistently high in customer satisfaction during my career.

. First female bank examiner hired by Financial Regulation in 1975

paving the way for other women.

EDUCATION

University of Baltimore

B.S., Business Administration with a

Concentration in Accounting

Government Contract Management Masters

Certificate Program at Villanova University / 2010

Additional Training

-Appraisal 101, Senior Finance School

-Banking Courses Sponsored by Regulatory Agencies

-Employee Sponsored Continuing Education Courses

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