Manager Sales

Venetia G. North

Qualifications

Processing:

. Process and package residential mortgage loans (FHA/VA, Conventional:

FNMA & FHLMC, purchase, refinance) under specific loan programs in

accordance with company policies and procedures.

. Register loans on the origination system and maintain system accuracy,

issue proper disclosures per regulatory compliance guidelines.

. Review files for completeness, accuracy, and compliance.

. Submit files for loan approval.

. Obtain and review documentation requested by the underwriter/investor,

and meet requirements for final loan approval.

. Verify that all underwriting conditions are cleared by the underwriter

and prepare file for submission to the Closing Department.

. Monitor loan closing documents and requirements by lender to assure

deadlines are met and loan closes per commitments to borrower, loan

officer, and company guidelines.

. Communicate with loan officer, buyer, seller, title, escrow, builder &

agents.

Mortgage Loan Origination:

. Responsible for the sale and promotion of residential home mortgages

and home equity lines of credit

. Solicit business for the corporation from outside sources and book of

business.

. Obtain and verify the proper documentation for the completion of a

residential loan application.

. Duties include; calculation of income through pay check stubs, tax

returns, analyzing the self employed borrower, review of credit

reports, and bank statements, recommending various products and

services beneficial to the customer.

. Conducted sales presentations, organized home buyer seminars and

trained sales staff.

. Submit files for loan approval

. Communicate with selling agent, listing agent, builder, escrow, title,

loan processor and underwriter.

. Licensed Mortgage Loan Originator NMLS# 314792

. Receive applications, quote rates and points and complete follow up

activities.

Underwriting:

. Underwrite residential mortgage loan applications within scope of

lending authority.

. Analyze and summarize the applicants' credit worthiness and asset

quality.

. Make recommendations for loans outside of lending authority.

. Interprets and communicates standards and guidelines to borrower.

. Ensures full compliance with the company Quality Control Policies and

Procedures.

Manager:

. Ability to manage sales team

. Responsible for the training and motivating of sales staff

. Counsel and disciplines sales force as necessary

. Develop relationship relationships with real estate professionals,

builders, and other business referral sources.

. Understands real estate appraisals, title reports, and various real

estate transactions

. Demonstrates leadership characteristics, organizational skills and

experience in an automated origination environment

Experience:

All Home Lending - Sr. Home Mortgage Consultant

02-11 - Present

K-Force/Bank of America - Loan Processor II

11/10 - 02/11

Guaranteed Rate-San Diego- Loan Officer/Processor

06/08 - 01/11

Wells Fargo Home Mortgage-Loan Officer

06/07 - 06/08

GMAC Residential Home Mortgage - Associate Dist. Manager

04/07-06/07

Countrywide Home Loans - Sales Manager

08/05 - 04/07

Wells Fargo Home Mortgage- Branch Manager

03/01 - 08/05

Education and Training

Attended Mesa Community College and City Community College during the

period of 1993-1995.

Acquired educational requirements for maintaining a California Real Estate

License and the SAFE ACT compliance.

Community Housing Works

Company Loan Software Programs: Empower, Point, Contour, Apptaker DU/LP,

Edge, Clues, AS400

CalHFA-California Housing and Finance Agency

FHA-Federal Housing Administration

AHA Affordable Housing Administration- Mortgage Credit Certificate

San Diego Housing Commission- First Time Buyer Assistance

VA- Veteran Administration

Loss Mitigation-Foreclosure U

Loan Modification-Certified Foreclosure Specialist- Foreclosure U

Community Housing Works-Lender pre-qualification seminars

Contact this candidate