Customer Service Sales

Location:

Posted:

May 16, 2011

VINCENT PHAM

***** ******* ***** * Menifee, CA **584 * (714) 398 - 4889

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

SUMMARY OF QUALFICATIONS

. Extensive back ground in the Mortgage Lending Industry including both

Wholesale and Retail covered over 17 years.. Areas of experience included

Sr. Underwriter, Sr. Loan Processor, Underwriting Auditor.

2008 to present WELLS FARGO HOME MORTGAGE, San Bernardino CA

Mortgage Specialist III

. Receives, reviews, processes maintains files for all loan packages with

accuracy and

compliance to regulation and credit policy.

. Obtain Verification of Deposit, Verification of Employment, Mortgage

Verification, Appraisals,

Flood Certification, Credit Reports, and Title Commitments.

. Monitor lock expiration's.

. Maintain open lines of communication with customers and sales.

2004 to 2007 NEW CENTURY FINANCIAL, Irvine CA

1994 to 2004 WASHINGTON MUTUAL BANK, Orange CA

Sr, Underwriter

. Analyses file for credit worthiness,

. Analyses Financial Statements to determine borrower's income and

likelihood of continuance.

. Analyses appraisals to ensure collateral fully supports loan request.

. Analyses file to ensure the bank's lien position will be perfected,

. Ensure that loan documentation meets all the investor requirements for

the loan product requested.

. Assist with underwriting matters from the Loan Mortgage Specialists.

. Prepare all appropriate approval and/or denial documentation.

KEY STRENGTH

. Ability to handle multiple tasks simultaneously.

. Able to work in a fast paced, deadline driven environment.

. Capable of working under pressure from internal/external customers

maintaining a high degree of diplomacy and task.

. Excellent communications and customer service skills.

. Easily adaptable and does not oppose change.

. Positive attitude and ability to work well with others.

REFERENCES AVAILABLE UPON REQUEST