Real Estate Service

.

Joel

DucommunJoel Ducommun, Finance & Banking Professional

(For a crisp viewing of resume, please go to: http://www.joelducommun.com/Files/Resume.pdf )

from the desk of

JOEL

DUCOMMUN

address:

3331 S. Poplar St.

Tempe, Arizona 85282

tel 480-***-****

e *******@************.***

url www.joelducommun.com

Profile

Joel Ducommun has experience in Title & Escrow, Real Estate, Loan Processing/Underwriting,

and Mortgage Banking. Joel enjoys working in the finnancial industry, and thrives on working

with people and building relationships with clients and colleagues.

Mission Statement

To produce daily a gracious expression of creative energy in the service of others, working

within the * ' * -* nancial industry.

Experience

Senior Mortgage Banker, Quicken Loans Scottsdale, Arizona 2007-2009

Consulted clients throughout 34 states regarding their current and future * ' * -* nancial needs in

order to determine how they could be helped best in achieving their goals. Provided Conventional

Fannie Mae and Freddie Mac Loans and FHA loans for purchases and re* ' * -* nances. Established

an ongoing * ' * -* nancial-services relationship with clients through the delivery of world-class client

service. Interviewed clients and gathered information pertaining to their unique * ' * -* nancial

situations, needs and objectives. Conducted credit, underwriting and * ' * -* nancial analysis and

quali* ' * -* ed the client for various loan programs. Used D/U and contact with underwriters to

qualify clients for numerous loan programs, conducted loan risk analysis to determine available

and affordable home * ' * -* nancing alternatives, and managed the growing pipeline of clients-in-

process. Evaluated various loan programs and affordable * ' * -* nancing options from a broad range

of Quicken Loans/Rock Financial home loan products that met clients' needs and objectives.

Educated and advised clients on the home buying process, the latest in home * ' * -* nancing and

how to better manage their mortgages (i.e. the liability side of their personal * ' * -* nancial

statements). Informed clients on how current * ' * -* nancial markets affected rates day to day.

Assisted clients through the loan process from application to closing, and preformed

troubleshooting for transaction issues in order to achieve their goals. Trained and mentored

new bankers.

Joel made a difference at Quicken Loans during America's largest housing crisis era by

advising clients when it was or wasn't a sensible time to make * ' * -* nancial changes and reminded

colleagues to not be greedy and inform the client not to do business when it wasn't prudent.

Loan Of* ' * -* cer, VS Financial Chandler, Arizona 2006-2007

Advised clients regarding their current and future * ' * -* nancial needs in order to determine how they

could be helped best in achieving their goals. Established an ongoing * ' * -* nancial services

relationship with clients. Interviewed clients and gathered information pertaining to their unique' * -* nancial situations, needs and objectives. Conducted credit, underwriting and * ' * -* nancial

analysis and quali* ' * -* ed the client for various loan programs. Educated and advised clients on

the home buying process, the latest in home * ' * -* nancing and how to better manage their

mortgages. Assisted clients through the loan process from application to closing, and

preformed troubleshooting for transaction issues in order to achieve their goals.

Joel made a difference at VS Financial during the start of the * '* --* * 'Mortgage Meltdown' by

working hard for clients and informing them of the ever changing markets, the rise in

underwriting requirements, and being honest about the fact that VS Financial couldn't perform

due to the imminent closing of its doors.

Consumer Real Estate Specialist, Bank of America Phoenix, Arizona 2006

Processed home loans for re* ' * -* nances, purchases, home equity loans and home equity lines of

credit. Analyzed risk on the * ' * -* le regarding client's income, assets, credit and collateral property.

Reviewed such documents as title report, appraisal, credit report, homeowner's insurance

policies, liens and encumbrances. Cleared any conditions per underwriting stipulations.

Managed strong service throughout loan process with borrowers, underwriters, real estate

agents, appraisers, escrow of* ' * -* cers, and contractors. Handled logistics to clear conditions and

to enable the loan to close and fund. Made Clients happy with great service and closing loans

on time. Met and exceeded monthly production goal at 112% of projections.

Joel made a difference at Bank of America by wowing clients with expedient service, and

exuding a joyful and caring demeanor to clients and colleagues which improved morale.

Fidelity National Title Co. Tempe, Arizona 2004-2006

Assisted Escrow Of* ' * -* cers in the prepping and closing of * ' * -* les in escrow. Communicated with

and advised parties/agents before opening of escrow. Ordered pay-offs, HOA statements,

completed lender instructions, and completed title conditions to close escrow. Preformed

signings: explained loan and legal documents before having the clients sign. Assisted Escrow

Of* ' * -* cers in closing out * ' * -* les. Performed organizational tasks within the of* ' * -* ce. Performed tasks

for lenders, real estate agents, sellers, buyers, and others parties. Strove to excel in client

service.

Joel made a difference at Chicago Title Co. and Ticor Title Co. (both under Fidelity) as he

encouraged teamwork and took pride in ef* ' * -* ciency during one the biggest * '* --* * 'Housing Booms' in

America's history.

Skills

Excellent interpersonal, verbal, and written communication skills

Enables the client to make the best buying choice and the company the most pro* ' * -* table and

ef* ' * -* cient.

Perceptive and observant while listening to clients

Finds deeper needs of the client.

Strong presentation skills

Increases client's understanding of the product and/or process.

Diligent and intentional with follow-up

Maintains and retains client relationships with the company.

Acute sense for detail and accuracy

Makes business transactions more ef* ' * -* cient for the company and the

Professional sales ability

Has ability to meet with a prospective client, * ' * -* nd out their needs, present

solutions, and create a win-win situation so that everyone is happy.

Ethical; strives for integrity

Establishes proper expectations to clients to prevent 'under-delivering' on service.

Knowledgeable in credit and * ' * -* nancial products and markets

Loves learning and is dedicated to being a life-long learner.

Enjoyable, fun individual

Believes a good attitude and a good morale are integral with great client service and

satisfaction, and integral for a striving culture within the company.

Referrals

To be provided upon request.

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