Laura gutierrez

**** ******** *** ( MERCED, CA 95340 ( PHONE: 209-***-**** (

abk5vk@r.postjobfree.com

Professional Experience

Business Latinos, Milbrea, ca 2009 to

Present

Web site contributor

Maintain and post daily quotes for www.sopalatina.net. Responsible for

posting links on social networking sites; facebook, myspace,

businesslatinos & LinkedIn.

FLAGSHIP FINANCIAL GROUP, MERCED 2007 to 2009

Loan Processor

Responsible for the review of all client files. Reviewed preliminary

report and appraisal for any discrepancies and errors. Submitted loan

packages to lenders for underwriting through their automated online

systems. Reviewed and followed up on conditions. Received and reviewed

loan documents and coordinated signings with the title companies.

Completed monthly performance reports for the branch manager and performed

all general office duties.

Central Valley Pacific Mortgage, Merced, ca 2006 to

2007

Operations Manager/Loan Officer

Responsible for all office operations. Direct Supervisor of loan

processing staff. Review and implementation all new programs and

guidelines. Assist loan officers with any issues in regards to the

placement of their loans. Maintain client database and all marketing

reports. Intake and eligibility review for prospective homebuyers or for

refinance transaction. Worked closely with Self Help Enterprises for the

County of Merced and City of Atwater Down Payment Assistance Programs and

with USDA Rural housing program.

Central Valley Pacific Mortgage, Merced, CA 2004 to 2006

Senior Processor

Responsible for the review of all client files. Determined value for

refinance transaction using databases that were accessible. Opened escrow

and ordered appraisal reports. Ensured accuracy of income calculations,

completeness of income documentation, reviewed appraisal and preliminary

report for any issues that may arise before submitting to the lender.

Followed up on all conditions and submitted to underwriter. Reviewed

estimated HUD 1 for accuracy. Upon loan funding, prepared file for

shipment to investor. Trained all new loan officers and processors.

RBC Mortgage, Merced, CA 2003 to

2004

Underwriter/Processor

Responsible for the review of all client files. Reviewed all documentation

in client files. Provided loan officers with a list of conditions

pertaining to items missing or incorrect before submitting to lender.

Reviewed appraisal reports for completeness and accuracy, assuring that all

the comparables used were up to date and the value was adjusted correctly.

Prepared loan documents, followed up on outstanding conditions before

funding the files. Prepared loan packages for shipment to investors.

Central Valley Opportunity Center, Winton, CA 1998 to

2003

MIS Specialist

Responsible for the review of all client files for Merced, Madera and

Stanislaus Counties for compliance of state and federal programs.

Maintained client database. Assisted program manager with State reports.

Assisted Planning director with grant fund allocation and grant and

proposal writing. Assisted planning director and program manager in

implementing new programs and guideline changes. Was certified as an

applicant assistant for the Healthy Families Program.

Central Valley Opportunity Center, Winton, CA 1998 to 1998

Intake Worker

Completed eligibility applications for low-income food voucher program.

Calculated income, reviewed all documentation including cards issued by

INS. Reviewed all files for Merced, Madera and Stanislaus counties for

accuracy and entered into client database.

COMPUTER SKILLS

Full knowledge of all Windows programs, to include Microsoft Word, Excel

and Power Point.

Languages

Fluent in English and Spanish

Volunteer Experience

Boys and Girls Club - Volunteered for two years. Assisted the board of

directors with fundraising events.

Los Amigos De Los Ni o's - Volunteered for three years. Help organize,

plan and decorate an annual dinner/dance.

CVOC Holiday Baskets - Raised funds for the annual food baskets and toy

drive.

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