626-***-**** • *******@************.***
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-***-**** • *******@************.***
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-***-**** • *******@************.***
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