**** ** ******* ******. ******** OR *****

Phone 503-***-**** . E-mail abmsrd@r.postjobfree.com

Kristopher M. Gomez

Summary of qualifications

Over twenty years of management experience with a

strong combination of leadership and technical

experience. A passion and energy for combining

outstanding customer service with excellent

quality. Exceptional communication, organization,

and personnel management skills. Demonstrated

success in large operations and program management.

Proven track record in sales, customer relationship

management and operations with extensive experience

in managing full-spectrum organizations; mortgage

operations & production (underwriting, processing

and origination), risk analysis, credit management,

policy development, consulting and professional

services.

Professional experience

2008 - Present Adair Financial Services Vancouver,

WA

General Manager

Provide strategic direction and management of the

organization

Manage all aspects of CRM, Sales, Customer Service,

Training Programs, and Quality Assurance.

Originate new home loans; manage the customer

expectations and obtain all needed loan

documentation

Over see the origination of all loans initiated by

AFS.

Responsible for all aspects of the day-to-day

operations of the organization including

scheduling, prioritization, and resource

allocation.

Responsible for budgetary development and P&L

management.

Create and implement operating procedures using

structured methodologies, best practices, and

client management skills.

Implement performance measurements to establish and

ensure a culture of continuous improvement.

Drive and secure the future business of the company

and to orchestrate all pre-sales and post-sales

activities.

Oversee client relationships, service delivery,

marketing activities and public relations.

2006 - 2008 Countrywide/Bank of America Lake

Oswego, OR

VP, Regional Operations Center

Manage all aspects of the day to day running of the

Regional Operations Center.

Specialized in FHA, VA and Bond products

Originate all non-branch home loans including all

piggy back seconds and new 1st tds.

Responsible for insuring the ROC is operating in

accordance with standard workflow, procedures and

organizational approach.

Responsible for Pipeline management, Regulatory and

Agency Compliance, loan quality and delivery.

Responsible for overseeing the recruiting, hiring,

staffing and training qualified individuals for the

Regional Operations Center

Full management responsibility including, but not

limited to, performance reviews, counseling and

salary administration.

Manage a variety of customer relationships and

ensure resolution of any customer service issues

that may arise to achieve and maintain customer

satisfaction.

Partner and work closely with the Production Branch

Managers and Joint Venture Managers to maximize

funding volume while maintaining efficient

operations.

Responsible for the overall financial integrity of

the center, including but not limited to review of

monthly production and financial reports.

Oversee the management of all processing,

underwriting, closing and post-closing activities

of a Regional Operations Center.

Monitor incoming volume and balance pipelines in

order to manage the assignment of production branch

loans to appropriate teams.

Responsible for managing cancellation rates, turn

ratio, cost per loan and loans per employee.

Provide ongoing training to ensure personnel

understand product and policy; ensure adequate

cross-training for current and future

product/program mix.

Maintain financial viability of the center.

Monitor service levels to ensure high customer

satisfaction and optimal delivery. Ensure customer

expectations are being met.

Participates in the resolution of any service

issues involving the customer or originator to

facilitate loan closing.

Be the primary decision maker for challenging

credit and customer issues

2004 - 2006 Wells Fargo Home Mortgage Clackamas, OR

Regional Underwriting Manager

Responsible for management of underwriting staff

Ensuring adherence to policies, procedures and

underwriting credit standards.

Responsibilities include: hiring, training,

evaluating and motivating underwriting staff,

auditing performance for compliance with

regulations and internal policies

Recommend operational changes to ensure appropriate

controls, resolving conflicts with sales group as

necessary.

Controls and maintains budget and cost per loan by

analyzing workflow, performance and staffing.

Underwrite complex, high risk or large volume

loans.

Responsible for performance tracking & feedback to

team members

Compiles & delivers MPP's,

Counsels staff on performance & HR issues

Coaching as needed.

Responsible for first and second level management

of a group of underwriting staff, ensuring

adherence to policies, procedures, and underwriting

guidelines.

2003 - 2004 Wells Fargo Home Mortgage

Riverside/Clackamas

Operations Consultant - Divisional Operations

Serve as a mentor / trainer to the divisional team,

providing guidance and direction regarding

effectiveness and efficiency of the organization.

Identify and influence consistent operation

methodologies and processes.

Perform risk reviews to determine the impact of the

of the borrower's ability to repay the mortgage and

potential impacts with the extension of credit

Perform full review of credit packages and use

discretion in the decision of the loan products

Impart advanced knowledge of FHLMC and FNMA

underwriting guidelines and philosophies

Employ the use tools and guidelines provided by

WFHM such as:

Ncyclopedia - proactively query guidelines and

recognize alternative options, identify median

income

SPA web sites - full comprehension of bond and DAP

synopses

LIS - knowledge of data standards for secondary

financing and practical training

Decision Engine - knowledge of the Decision Engine

philosophy

Remain current regarding WFHM philosophy, policies,

and industry standards such as: Unique customs,

Consult and Manual Refer Process, Retail

Conditioning Policy

Exercise independent judgment and effectively

applied WFHM/Agency/Investor guidelines to loan

decisions.

Effectively communicate positive and negative

messages both written and verbal

Analyze self-employment income (personal,

corporate, etc.) based on generally accepted

accounting practices

Underwrite and analyze appraisals including:

Complex properties (condos, condo-hotels,

multi-family), particular geographic areas, and

diverse market trends

Identify and decision Level 4 Layered risk

transactions

Identify and correct material findings

Identify the role of a Level 4 decisioner and the

decision impact (risk cycle)

Confidently communicate the logic behind my

decision

2001 - 2003 Blue Element Consulting Pleasanton, Ca

Vice President, Sales and Strategic Accounts

Provide strategic direction and management of

service and CRM including Solution Design, Program

Management, Contingent & Project Staffing, Client

Implementation and Support, Customer Service,

Training Programs, and Quality Assurance.

Responsible for all aspects of the day-to-day

operations of the organization including

scheduling, prioritization, and resource

allocation.

Responsible for budgetary development and P&L

management.

Create and implement operating procedures using

structured methodologies, best practices, and

client management skills.

Implement performance measurements for Professional

Services to establish and ensure a culture of

continuous improvement.

Drive and secure the future business of the company

and to orchestrate all pre-sales and post-sales

activities.

Oversee client relationships, service delivery,

marketing activities and public relations.

Responsible for building and managing a dynamic,

highly successful geographically dispersed sales

team focused on service and customer satisfaction.

Oversee domestic and international sales efforts

for Blue Element, including Government, Health

Care, Financial, Bio-Med and Internet markets.

Developed and executed short and long term

strategic sales plans, selling methods and tactics

that promote acquisition and retention of customers

in key market segments.

Work closely with the CEO to identify and manage

key external alliances and partnerships, as well as

work with the COO to develop and deliver

appropriate products and services.

1995 - 2001 Siemens Business Service Hillsboro, Or

Director of Managed Services - Intel Account

Responsible for the strategic direction, vision,

business development and operations of a custom IT

services organization for Intel's entire Americas

region.

Organization was comprised of 150+ technical

engineers, 7 managers and 5 support personnel

Under my direction, annual sales revenue grew from

approximately $2.29 million to well over $11

million.

Developed and implemented compensation plans and

incentive programs for the sales, service and

marketing departments

Designed and implemented a unique technical

services model for a non-standard computing

environment tailored to meet the requirements of

individual business unit needs. This was

accomplished through creation of a catalogue of

flexible service offerings encompassing a broad

range technical services and solution

Researched, evaluated and recommended technology,

products and services that facilitated growth and

productivity for Intel.

Implemented a 40,000 seat client services

outsourcing support model.

Identified and evaluated new business concepts and

developed/prepared solid service strategies and

related business models /plans.

Worked with customer input, and other related Intel

individuals and business groups to define the

technology, product, new business, and services

required to remove key barriers, deliver the

capability and return high value to Intel.

Identified and created strategic relationships

necessary to facilitate the development of new

business lines.

Prepared proposals and presentations.

Performed due diligence for new business

opportunities.

Developed a comprehensive "continuous improvement"

process to ensure constant increases in service

levels and productivity.

Increased profit margins from 12.2% to 32.4%

Assisted Intel in reducing their TCO by over $6.1

million.

Reduced attrition from 48.8% to 24.2% through the

implementation of a comprehensive employee training

and development program.

1993 - 1995 Continental Savings and Loan San

Francisco, Ca

Assistant Vice President - Multi-Family

Underwriting

Developed and established the multi-family and

commercial lending processes and procedures.

Designed and implemented a government lending

department

All activities were as per FHLMC, FNMA, CSL and

secondary marketing guidelines.

Signature authority to $500,000

1989 - 1993 Golden Abacus Financial & Investment

San Francisco, Ca

Underwriting Manager - Chief Loan Underwriter

General Manager - MCC Division

Developed and documented the company lending

practices, policies and procedures

Created and managed sales strategies and marketing

programs

Provided sales staff training and mentoring

Generated net annual sales revenue of over 35 MM

Implemented a broad product offering package to

include multi-family, commercial and mixed use as

well as SFR/1-4 units

Designed and implemented a computerized loan

processing and underwriting department

1987 - 1989 USA1 Financial Services Beverly Hills,

Ca

Vice President of Production

Responsibilities included the management of the

loan underwriting department, the loan processing

department, portfolio programs and the sales force

productivity.

Created and managed sales strategies and marketing

programs

Acted as the primary liaison between the investors

and bankers

Authored and delivered a comprehensive sales

training program

Signature authority to $750,000

1986 - 1987 GlenFed Mortgage Irvine, Ca

Senior Loan Underwriter

Responsibilities included the underwriting of

mortgage loans for single family /1-4 units as per

FHLMC, FNMA and secondary marketing guidelines.

Signature authority to $250,000

1984 - 1986 Fidelity Federal Savings and Loan Santa

Ana, Ca

Multi-Family Underwriter

Responsibilities included the underwriting of

narrative mortgage loans for multi-family (5-50

units), single family and 2-4 units as per FHLMC,

FNMA and secondary marketing guidelines.

Education

San Francisco City College

Economics

University of Sound Arts

Sound Engineering/Music Theory

Professional/Public activities and training

City View Charter School, 2003-2005

Co-Founder

Board of Directors, Chairman

M.I.T.C.H. Charter School, 2001-2003

Board of Directors, Vice Chairman

Portland Little League, 2009 - Present

Board of Directors, Vice President

Training

Scott Potter Income Analysis

Layer Risk Analysis

Credit management

Multi-family transaction analysis

Manufactured housing appraisal review

Washington Housekey

Columbia Non-profit

Oregon Bond

FHA underwriting

VA Underwriting

Commercial appraisal review

SFR appraisal review

Reasonableness of Stated Income

High Risk Properties

Alaska Bond

Rural Housing

Multi-Family Underwriting

CRA Training

RFC underwriting techniques

Implementing and Supporting Windows 95

Networking Essentials, NT

Leadership Effectiveness - SQT

Quality Service and Support - IBM

Advanced Quality Service and Support - IBM

Target Account Selling - T&OD

7 Habits of Highly Effective People -

Franklin/Covey

Raving Fans - Ken Blanchard

Risk Management

Behavior Interviewing Skills

Performance Management - T&OD

Getting to the Heart of Customer Service - T&OD

Workplace Harassment Prevention

Cultural Diversity and Awareness

Accreditations

Federal Housing Administration Direct Endorsement

Underwriter (N840)

Certified VA Credit Underwriter

Washington Designated Brokers License, 510-ML-51599

Idaho Loan Originators License, MLO-10853

Oregon Loan Originators License, ML-2714

Awards & Recognicians received

Presidents Club 1996, 1997 & 1998

West Region Service Manager of the Year 1997

Outstanding Performance in Leadership, 1999

Entex University 1997, 1998

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