626-***-**** • ac5015@r.postjobfree.com

Profile of Qualifications

Results-focused Executive-Level Management Professional eager to offer 27+ years experience in Fiscal Management, Mortgage Banking/Lending, Business Development, Team Building, Regulatory Compliance, Budget Control, and Client / Customer Services toward maximizing a progressive employer’s success. An Integral leader with the ability to make executive decisions that reflects positively on business productivity and success of the corporation. Proven ability to delegate and manage multiple tasks within a deadline-driven environment. Top-performer who can build quality teams instrumental in encouraging low turnover rates, high levels of company loyalty and exceptional customer service. Ambitious self-starter who demonstrates superior attention-to-detail and sharp troubleshooting skills.

Key Areas of Expertise

REO Sales / Services Team Building Training / Development Site Management

Retail/Wholesale Mortgage Operations Asset Management Workflow Prioritization Strategic Analysis / Planning Annual Budget Control Vendor / Business Relations Client / Customer Services

Loss Mitigation Short Sales Property Management Process Evaluation

Collections Workout/Payment Plan Regulatory Compliance Licensed RE Broker CA

Professional Synopsis

Business Manager

Allmark Properties, Rancho Cucamonga CA 2013– April 2018

Key Accomplishments

oPrepare, implement and maintain a budget plan for the properties

oIncreased Rent collection from $394,000 to $600,000 over 4 years on 328 Unit Multi-Housing

oIncreased annual NOI by increasing Pet Rent, Trash Valet, Club House Rental, Duplicate Key Charge and Propane Rental

oManaged complete renovation of units in a timely and cost effective manner

oNegotiate Lease Renewals, Insurance Renewals and Supplemental Tax Bills

oContinuously train and develop personnel to achieve maximum growth potential by maintaining an effective training program.

oConduct annual review of systems and work with IT department to ensure optimal use of systems and reports

oWrite and update SOP’s to ensure operations is performing at optimal levels

Real Estate Broker

Valiant Realty Self Employed- BRE# 017*****-****– Present

Key Accomplishments

o Successfully closed 183 transactions in 2012

o Conduct Due Diligence for buyers on multi-housing units

o Created a database that allowed for reporting to clients of performance and status of all assets on individual levels

o Manage Renovation process for clients for multiple units from inception to sale (Project Manager)

o Manage Multi-housing units for various owners 200 units total

oEvaluate any/all lending options and guidelines for clients to ensure loan process is efficient

oEnsure all files/transactions are within compliance with Department of Real Estate and Department of Corporations.

oFamiliar with all Mortgage Lending Disclosure requirements

oStrong execution of lead generation, prospecting new business and sales

oMaintain relationships with brokers, principal real estate owners and lenders regarding progress of transaction

oConduct onsite meetings/sales presentations (market analysis) with sellers and principal real estate owners

oAttend lending seminars to be kept abreast of any guideline changes

626-***-**** • ac5015@r.postjobfree.com

Vice President / Operations/Product Development

Auction.com, Irvine, CA 2006 – 2010

Key Accomplishments

Operations

oImproved operations efficiency by developing new processes and procedures to ensure compliance with set timelines and workflow accuracy to include reviewing and recommending innovative new business methods to produce increased revenue

oCreated a vendor performance scorecard utilized to determine distribution of auction assets to closing companies

oSuccessfully closed 98% of a beginning pipeline with an average turn time of 9 days (cash) and 31 days (financed) transactions, along with closing an average of 4,000+ assets per month

oApply dynamic leadership talents toward directing comprehensive REO default services and auction operations to include managing a $10-million budget and a top-performing staff of 56+ and 4 direct reports in meeting and / or exceeding critical timelines and turn times

oDetermine individual contract and disclosure requirements based on specific auction geographics, along with organizing and disseminating weekly / quarterly performance reports for executive-level management and clientele

oDrive business growth by initiating pre-sale / online sales processes to create additional company revenue to include establishing valuable external relationships with vendors and cost-effectively negotiating key contracts / fees for all auction services

oAssist Legal Department with the review of compliance matters including analyzing data and creating reports as necessary

oOver Asset Management, Pre Sale, Customer Service, Short Sale and Closing Departments

oCreated process efficiencies in all areas of responsibility resulting in increases in productivity, reduction in costs and/or reduced turn times

oProvide support to sales team with the acquisition and implementation of new clients to the business through face to face discussion and best practice meetings

oDefined reporting requirements for assigned departments

Product Development

oLead teams of Project Managers, Business Analysts, Project Coordinators and QC Analysts

oCreate and manage project plans and timelines from inception to completion for large and mid-size projects

oHighly effective liaison and bridge to both business leaders and technical teams across all phases of software development life cycle

oPerform process flow gap analysis to ensure technologies will work effectively with current business processes

oWork with client and internal lines of business to define, create and develop system production and analytical reporting

oPoint person for client and/or project transition from sales to operations

oProvide technology demonstrations for new product delivery, updates and sales offering broad system and business knowledge to allow clients to see how products can work for them

oDeliver products to clients timely and efficiently to ensure client satisfaction resulting in return/additional business

oDefine requirements and design for development

oCreate and deliver user guides, release notes and other requested product support documentation

626-***-**** • ac5015@r.postjobfree.com

Vice President / Retail Mortgage Operations

IndyMac Bank, West Covina, CA 2001 – 2006

Key Accomplishments

oDesigned a presently used workflow system to include developing manuals and systems-based processes to ensure procedures for real estate loan processing, underwriting, funding, and closing were completed in compliance with internal / external requirements.

oRecognized for excellence in job performance by receiving a “Commendable” rating on all compliance / regulatory audits.

oStrategically steered retail mortgage operations to include serving as a lending/underwriting authority for $2.1 million and directing profit-focused employee training / development processes to improve business productivity and standardize departmental policies / procedures

oContributed strong interpersonal relations skills which were instrumental in conducting valuable daily meetings designed to facilitate productive team building, enhance communication measures, encourage useful staff feedback, and resolve key business challenges

oMaximized bottom-line results by managing strategic planning and budget assessment efforts to include supporting the research, analysis, and interpretation of federal / state lending and servicing laws, as well as drafting policies / procedures to assure compliance

Compliance Officer

oIdentify potential areas of compliance vulnerability and risk; develops/implements corrective action plans for resolution of problematic issues, and provides general guidance on how to avoid or deal with similar situations in the future

oRespond to alleged violations of rules, regulations, policies, procedures, and Standards of Conduct by evaluating or recommending the initiation of investigative procedures. Developed and overseen a system for uniform handling of such violations

oWork with the Human Resources Department and others as appropriate to develop an effective compliance training program, including appropriate introductory training for new employees as well as ongoing training for all employees and managers

Senior Fulfillment Manager

Washington Mutual Bank, Downey, CA 1999 – 2001

Key Accomplishments

oIncreased operation production from $45 to $90 million to include managing a field operations site that closed an average of $82 million in real estate loans monthly with a support staff of 30 FTE and receiving “Commendable” ratings on all quarterly bank audits

oExpertly organized, managed, controlled, and evaluated loan operations functions for a Home Loan field operations loan fulfillment center to include directing all loan set-up, validation, underwriting, funding / closing, and shipping processes, and managing annual budgets

Additional Job History

Vice President / Consumer Lending Operations, Bank of America, Brea, CA 1996 – 1999

Assistant Vice President Consumer Lending Group, Countrywide Home Loans, Pasadena, CA 1993 – 1996

Fluent in Spanish

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