My objective is to work in an environment in which I can utilize my skills I have attained and experience all facets of Mortgage Banking, Finance and Administration. I am open to other aspects of Business Administration and Business Management.

Qualifications

My qualifications include many facets in lending for the past 37 years. I have worked with larger mainframe systems, calyx point,TMO, FICS/LP, Encompass and Empower Software. I am a quick learner and open to changes as they come. In addition I have administrative skillset in conjunction with my mortgage lending experience. I utilize Microsoft Office, Outlook and other third party software and other office products/ systems. I have interacted with clients on a daily basis. Work History

Bay Equity Home Loans, LLC, Stockton, Ca. June 2017 August 2018

. Assisted Loan Consultants in all aspects of loan origination/production, CVL, FHA, Jumbo products.

. Prequalified prospect clients to determine the best type of financing.

. Boarding and set up of new loan files, pre-process submissions to loan processing.

. Analysis of credit, income and assets, run LP/DU AUS as required.

. Facilitate closing of mortgage loan to meet closing timeframes .

. Disclosed mortgage loans per TRID Guidelines.

. Update of reports daily to Loan Officer and Management

. Order appraisal, Flood Cert, GSA, LDP, and BRE checks and other duties.

. Position processes are similar to loan processing to assure loan flow, from all aspects.

. Other administrative clerical duties. Use of Xerox, Scanning, Fax. Premier Community Credit Union, Stockton, Ca. November 2014-April 2017

.Mortgage Lending Underwriting Manager. .Responsible for managing loan production and staff of 3.

.Originated, Prequalify and production of Mortgage Loans, including FHA FNMA/FHLMC, conforming, Non- conforming mortgages. These included, Fixed 2nds and Helocs per approved guidelines.

.Met with members to review their financing needs for Purchase and/or Refinances. Including obtaining all required documentation for loan file.

.Managed pipeline reports for upward management and to staff.

.Processed and Underwrite the originated loan files in it’s entirety for retained loans.

.Processed and pre-underwrite files for Wholesale Warehouse Lender, per Lending Guidelines and following all applicable overlays, these include FNMA/FHLMC, FHA and VA.

.Opening of escrow, coordinating closing and all processing functions for Wholesale submission.

.Developed and Implemented Lending Processes and servicing for ease and flow for all functions.

.Pricing, locking, loan submission and follow up of all conditions of originated loans with Wholesale Lender.

.Performed all mortgage operational items, paying escrows for Taxes and Insurance for internal loans. Debbie J.R. Aynaga

Phone: 209-***-****

Cell: 209-***-****

E-mail: ac6uin@r.postjobfree.com

P.O. Box 1746

Stockton, CA. 95201-1746

Debbie J.R. Aynaga (page –2-continued)

Provident Bank Mortgage March 2013-January 2014

Loan Officer Assistant/Administrative Assistant

.Assisted Loan Consultant in all aspects of loan origination/production, CVL, FHA, Jumbo products.

. Prequalified prospect clients to determine the best type of financing.

. Boarding and set up of new loan files, pre-process submissions to loan processing.

. Analysis of credit, income and assets, run LP/DU/GUS as required.

. Facilitate closing of mortgage loan to meet closing timeframes .

. Update of reports daily to Loan Officer and Management

. Order appraisal, MERS, Inco Check, Flood Cert, GSA, LDP, and BRE checks

. Hybrid position processes are similar to loan processing to assure loan flow, from all aspects.

.Other administrative clerical duties. Use of Xerox, Scanning, Fax. Summit Funding, Inc. April 2012-September 2012

Loan Partner II

. Assist Loan Consultant in all aspects of loan origination/production.

. Prequalify prospect clients to determine the best type of financing.

. Opening and set up of loan file and pre-process submissions to loan processing.

. Analysis of credit, income and assets, run LP/DU/GUS as required.

.Facilitate closing of mortgage loan to meet closing timeframes .

.Customer relations as needed with clients, Real Estate Agents and Title Companies

. Update of reports daily to Loan Officer

PNC Bank/Formerly National City Bank May2000-April 2012 Home Loan Specialist/Loss Mitigation (position evolved 09/2009-04/2012)

.Customer service of current and delinquent equity lines and mortgage loans for modification work up.

.Processed and negotiated all equity liens/loans assigned and obtained by me for modification approval updating all database and processing systems.

.Communicated with borrowers with future expiring equity line modifications for possible renewal including 120, 90, 60 and 45 day expiring accounts.

.Sent work out packages for Mortgage and Equity Lines and Loans to customers with time line.

.Processed daily and monthly reporting upward to immediate management.

.Attended Hope Now events on behalf of PNC for 1st and 2nds to meet with clients for possible review for modification travel to western states to participating event.

.Participated in local community NID events and other non profit approved agencies for pre-foreclosure workshops.

.Customer Relations with clients, 3rd party agencies and other affiliations etc.

.Internal communication within Loss Mitigation Departments for Mortgages and Consumer Loans

.Participate in weekly conference calls and training sessions as needed.

.Update weekly central mainframe for external governance. Sr. Loan Processor II/Home Closer V (Processing Centralized 09/2009 and moved to Chicago, IL. )

.Processed, underwrote, doc draw, closed and funded Mortgage Homes Loans per policy and procedures, including CVL, FHA, VA, Pers and Bond Programs, including Calhfa, Chdap, DAP, GAP and MCC.

.Processed and closed case loads of 30-125 files per month.

.Provided excel report of process flow to Loan Officers and management daily.

.LP Certified, and HE Delegated for underwriting and rendering decisions.

.Released underwriter for NHE equity lines.

.Responsible for all data entry and integrity of loan submission and closing. Education

Thomas Edison High School Graduated 06/1978

Long Beach State University,Long Beach, CA. 1977-1978 San Joaquin Delta College, Stockton, CA. Spring 1977 References

William Anthony Haworth/ Haworth Construction, P.O. Box 8140,Stockton, Ca. 95208 209-***-**** ac6uin@r.postjobfree.com

Greg Jackson/Pacific Design Development, P.O. Box 794, Lodi, Ca. 95242 209-***-**** ac6uin@r.postjobfree.com

Blaine Kamalani Kia/Kumu Hula/President Lauakea Foundation 808-***-**** ac6uin@r.postjobfree.com

Glena Stachey/Underwriting Manager at Provident Bank Mortgage 916-***-**** ac6uin@r.postjobfree.com

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