Sales Associate

Janet M. Eusse

** ***** *** ******* ****** Lake Elsinore, CA 92532

951-***-**** Home 951-***-**** Cell 951-***-**** Fax -

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

QUALIFICATION:

Eighteen plus years experience in mortgage banking.

Operational knowledge of the following computer programs Microsoft Word 6.0

Excel, Microsoft Works, and Specific Skills in Loan Processing. Computer

knowledge with Power Point, Wells Fargo LPS, ACAPS, STAR. VIP Windows.

Pricing Loans, Strong PC, and pipeline analytical. Ace Program.

Organizational detail-oriented skills. Effectively handles multiple tasks

simultaneously. Knowledge of FHA, VA, FNMA, FHLMC guidelines. Ability to

have a strong communication between agents, escrows, and loan officers.

Bilingual - Spanish and English.

EXPERIENCE:

Attending School - Ortega Adult Education (Present - 09/10)

Certified Financial Protection Group, LLC (06/09 - 09/09)

40810 County Center Drive Temecula, California 92591

Loss Mitigation Specialist - Experience processing Loan Modifications. 30

files per week plus stop foreclosures immediately. Work with home owners,

brokers, and lenders to develop workout solutions on mortgage loans where

home owners are facing financial difficulties. Evaluate and determine

appropriate workout options based on financial packages, credit reports,

appraisals, hardship information. Respond to written and phone inquiries

from borrowers and lenders. Assist home owners in pursuing alternatives to

foreclosure such as, repayment plans, forbearance agreements, short sales,

and loan modification. Bilingual in English/Spanish.

Trilogy Capital Management Group (04/09 - 06/09)

13475 Danielson Street Suite 220 Poway, CA 92064

Home Retention Counselor - Loss Mitigation Programs, Note Modification &

Forbearance. Process of modifying existing home mortgage from its original

terms (interest rates, loan term, etc) and converting or modifying the loan

into an amount that borrowers can afford. As a Home Retention Counselor I

also was aware of other programs like Reinstatement, Repayment Plan,

Refinance, Short Sale and Deed in Lieu (keys for cash). Confirm that

borrower has received Solicitation Letter. Gather Gross or Net income.

Submit information back to Investor to determine eligibility.

Incoming/Outbound calls to assist with questions and acceptance of program.

Global Equity Lending, Inc., (08/06 - 01/07)

6465 East Johns Crossing Johns Creek, GA 30097

Loan Officer - Obtain mortgage loans from referral sources including but

not limited to bank branch customers, existing clients and realtors. Using

sound judgment and effective marketing and promotion techniques. Assess

and evaluate customer's financial needs to build strong relationships with

customers following-up on a regular basis. Ability to actively listen and

determine what financial products meet the customer's needs and

circumstances. Coordinate all aspects of the mortgage application process.

Respond to customer needs and inquiries within 24 hours.

Washington Mutual Home Loans (10/05 - 09/06)

1800 E. Florida Ave. Ste 202 Hemet, CA 92544

Sales Associate - As a Sales Associate immediately was sent to Washington

Mutual Home Mortgage Training activities. I was assign to a Senior Loan

Officer. My role will include sales, marketing and production activities

in order to develop an understanding of the business. I was working

directly with customers, helping them with the 1003 application and

translating into English if customers would only speak Spanish. I was also

marketing the sales business.

Wells Fargo Home Mortgage (02/98 - 10/05)

5540 Fermi Ct. Suite 200 Carlsbad, CA 92008

Senior Funder/Processor -.Mortgage Funder, responsible for locking the loan

rate with the appropriate investor and to determine decision-making

criteria based on priorities. Verify customer income documentation.

Resolve routine title issues including, but not limited to the following:

vesting issues, child support liens, judgment liens, mechanic liens and

undisclosed liens re-conveyances. Process subordinations; resolve appraisal

disputes; execute closing actions and maintains a high level of customer

service by being proactive in communication with customers, banking center

associates, realtors, etc.

Loan Closing Specialist - Obtains necessary information to document and

fund consumer loan files. Responsible for adherence to federal, state and

local laws and regulations, specifically TILA, RESPA, REG. Z, HMDA and CRA

Reporting. Primarily responsible for reviewing signed packages and funding

the transaction.

Shipper - Residential Mortgage - Review loan packages that have funded and

are ready to be shipped to investors. Stacking files according to the

investor's requirements ship the file and follow up with the investor to

ensure receipt. Follow up with the investor to get conditions to purchase

the loan. Execute conditions in a timely manner. MERS registration may

also be performed at his step.

Document Drawer - Review loan file to ensure that all required

documentation to order docs are in place. Confirm all fees, rates, points

and loan information for accuracy. Update all proper info and Data Trac

and Point to include date docs ordered, printed, signed and returned. Docs

drawn and printed within a 12-24 hour turn time. Print docs. Thoroughly

review docs to ensure all dates and info are correct. Split and copy

printed docs package. Responsible for arranging delivery of docs to escrow.

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