Ruth Phelps

**** * ****** *****, *******, CA ****2; 559-***-**** (cell)

abh7md@r.postjobfree.com

Objective: Credit Analyst

Work Experience:

Construction Loan Officer, Bank of the Sierra 01/01/07 - 10/30/08 Laid off due to

decline in real estate market and bank’s decision not to pursue development loans until

market’s return.

• Qualify developers for bare land loans, subdivision loans, spec and model home loans for

many of the major developers in Tulare County.

• Provide developers with other types of loans, servicing needs

• Developing on going relationships with these developers.

• Tracking existing loans and following up with developers for future needs.

• Prepare loan requests write ups for approval from credit administration.

• Collect, provide and assess financial documentation to be used in the loan request

process.

• Ensure current financial information is obtained yearly from the developer.

• Work with other third parties such title companies to obtain other needed information and

for purposes of completing loan process.

• Provide backup for real estate loan officer during vacations, illness..

• On going customer service

• Supervising and training other employees

• Processing time cards

Real Estate Loan Officer, Bank of the Sierra 07/01/04-12/31/06 Promoted to Construction

Loan Officer.

• Qualifying potential borrowers for purchases and refinances of homes, as well as,

purchases of bare land and/or home construction loans.

• Worked with builders to facilitate being approved as a builder for the bank

• Facilitating funds for disbursement to builder while homes are under construction.

• Ordering appraisals, title reports, income and asset verifications, running credit reports,

using LP and DU underwriting systems for qualifying purposes.

• Supervision and training of other employees

• Processing time cards.

Real Estate Credit Assistant, Bank of the Sierra 09/07/02-06/30/04 Promoted to Real

Estate Loan Officer.

• Assist loan officer in obtaining information from borrowers with regard to loans for

home purchases, refinances, land purchases, and home construction loans.

• Assisted in process and preparing loan applications for loan approval.

• Obtain credit reports, order title information, insurance information.

• Customer service

Executive Administrative Assistant, Principal Financial Group 04/01/1987 – 08/31/02 Laid

off due to office closure.

Answering phones, scheduling appointments, order office supplies, assist agent and clients in

following up for information needed from the clients, arranging for medical exams, processing

applications for insurance and investments, correspondence, assist in managing workflow so as

to be able to meet goals and provide continuous customer service to free agent for production

work.

Education: Monache High School Diploma- 1975, Porterville, CA

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