Customer Service Sales

Eusebio Garza

***** ******** ***, ********, ** **703

HM: 210-***-****

Email: ************@*****.***

________________________________________________________________________

OBJECTIVE

Seeking a challenging position where my experience can be best utilized and

my advancement and future is determined by my own accomplishments and

demonstrative

abilities in a climate of progress and excellence.

EDUCATION

Triton College

Degree: Social Science 1999-2001

EMPLOYMENT

Wells Fargo, San Antonio, TX 1/2010-Present

Loss Mitigation Fulfillment Underwriter / Processor (HAMP)

. Review, analyze and approve large, complex consumer requests

. Evaluate and examine transactions to ensure accuracy, completeness and

adherence to company/industry guidelines

. Perform underwriting functions, not limited to, but including, review

of financial statements, credit report and calculation of applicable

ratios (i.e. debt ratios, loan to value)

. Fraud detection and perform compliance reviews

. Assist with loan modifications based on lending guidelines

. Provide exceptional customer service including proper phone etiquette

. Conduct outbound calls when additional information is needed to make

sound decisions

. Provide support to new underwriters and performance feedback to

supervisor/manager

. Communicate with personnel to be current with all new program and

procedures

. Participate in department projects needed

Washington Mutual, San Antonio, TX __________________________6/2008-9/2009

Loan Underwriter

. Perform credit analysis for family residential loans and secondary

loans

. Process VA/FHA loan using DU/LP program

. Authorization to approve loans of up to $1,000,000.00

. Coordinate mortgage deals with sales team and brokers

. Calculate borrower's rates based on the company's criteria

. Gather and document customer credit and income verification

. Train new underwriter in the company's policies and procedures

Western Financial Group, Anaheim, CA_______________________11/2007-5/2008

Loan Underwriter

. Process family residential loans from initial application to closing

. Process VA/FHA loan using DU/LP program

. Coordinate mortgage deals with sales team

. Calculate borrower's rates based on the company's criteria

. Gather and document customer credit and income verification

Buy America Loan & Real Estate, Cerritos, CA

8/2005-11/2007

Loan Originator / Processor / Loan Closer

. Started in originations

. Top funder in originations and started loan processing

. High volume of loans being processed put closing under duress which

led to me being trained to close my own loans.

Allstate Home Loans, Monterey Park, CA 1/ 2004-

8/2005

Loan Originator/ Processor / Closer

. Extremely high volume closing and processing environment

. Started in originations and moved into processing and closing roles

. Top originator and top funder awards

Metro Financial Services, Chicago, IL 4/1999-

12/2003

Loan Originator

. High volume sub-prime loan origination environment

. Coordinated with title companies and attorneys

. Primary focus on FHA

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