Real Estate Manager
Resume:
RACHEL PENA
*** ******* *****, *** *******, Texas, 78228
PH. 210-***-****
acbv3j@r.postjobfree.com
EMPLOYMENT EXPERIENCE:
August 2013 To January 2014
Neighborhood Housing Services- "Non-Profit Organization"
San Antonio, Texas
HOMEOWNERSHIP CENTER MANAGER
-Performs one-on-one counseling sessions with applicants for the
First Time Home buying Program
-Performs one-on-one counseling sessions with applicants for the
Rehab Program
-Process all in-take forms for both programs for eligibility
-Reviews all credit reports and provides work plan
-Prepares a Mortgage Analysis
-Prepares and mail out letters (Denial, acceptance etc
-Organizes and prepares classroom for all Pre-Purchase and Post
Purchase classes
-Ensures all class books are purchased, prepares all sign in sheets,
evaluation surveys and completes all wrap up reports
-Solicit all donations for food, beverages and door prizes for all
classes
-Prepare and mail out all invites to all classes for class head count
of attendees
-Supervises both the Lending Specialist and Administrative Assistant
-Approves all lending committee packages
-Approves all check request
-Oversees all closings for both programs
-Addresses all complaints from clients
-Returns all calls to interested or current applicants
-Backs up Administrative Assistance at front desk, receiving calls
and receiving payments
-Prepare and provides Production Report and Delinquency Reports
-Prepares and mails out all 30 and 60 day delinquent letters
-Ensures a second set of 60 day delinquent letters are hand delivered
-Makes all collection calls
-Post all payments
-Works closely with company attorney on delinquency, bankruptcy and
foreclosure clients
-Approves all leave requests and time sheets of both staff members
-Prepares all check requests for all clients that company holds
escrows to pay annual insurance and property taxes
JULY 2004 TO June 2013 - (6 days short of 9 years Total):
SAN ANTONIO HOUSING AUTHORITY - "NON-PROFIT ORGANIZATION"
San Antonio, Texas
Homeownership Program Manager
- Oversee three homeownership programs Section 8, Section 32 and
Section 24/9
- Process applications, Maintain Homeownership Waiting List
- Prepare and mail out letters (Denial, Lender contact info etc
- Recommend community Non-Profit Organizations for credit repair and
down payment assistance
- Update appropriate Spreadsheets and Diagrams
- Manages and monitors servicing of all SAHA Real Estate Lien Notes
at SAFCU
- Verify annually auditors end of year statement
- Monitor delinquency of First National Bank (FNB) loan per our re-
purchase agreement commitment
- Prepares and mail out delinquent letters to FNB home buyers; re-
purchase loans from FNB over 90 days
delinquent, order check to re-purchase when needed, collect mortgage
payments owed to SAHA
- Manage, prepare spreadsheet and provide documents to In-house or
outside Foreclosure Attorney for all Foreclosures
- Prepare scope of work per Home Inspection discrepancies
- Prepare and submit requisitions for PO numbers for work or supplies
- Oversee and approve all work completed by contractors
- Order title commitment, order appraisals, and order closing
documents
- Prepare and arrange all closing instructions, closing and
disbursements
- Order wires; approve final settlement statements and funding
documents
- Remove utilities and hazard insurance from SAHA's inventory
Resume
Rachel Pena
Page 2 of 4
- Amend Broker's Listing agreements to either add or remove property
for sale
- Oversee and secure financing, construction, prepare draws, oversee
final inspection and closings
- Review and approve all offers presented to SAHA
- Effect Briefing packages to all applicants under contract with SAHA
- Collect home buying certificate, cleared home inspection and Lender
verification document
- Submit and process all funding documents for appropriate signatures
- Receive executed funding documents and process funding
check
- Provide info requested for open records requests and Mirasol Law
Suit
- Process and monitor all re-purchasing of any property SAHA is
required to purchase
- Weekly Inspections of unsold SAHA properties
- Oversee and review several issues in Artisan Park; Landscaping,
Repairs, Annual Budget, Irrigation
system, HOA issues, Annual HOA meeting and on all
homeowners complaints
- Prepare and route all Draws for soft costs for Artisan Park unsold
townhomes
- Prepare, verify income and mail out the appropriate documents needed
to acquire Artisan Park
Tax Supplement information
- Oversee repair work completed by developer
- Maintain landscaping for undeveloped land and infrastructure in
Artisan Park
- Maintain landscaping over 80 vacant lots
- Oversee all sales transactions to Non-Profit Organizations
- Monitor all code compliance violations received for any of SAHA's
properties
- Dispute tax issues for any of SAHA's properties
- Dispute Judgments for any of SAHA's properties
- Receive and address all complaints received
- Prepare Board Memos, Provides reports, spreadsheet, diagrams and
program books to Legal, Senior
Staff and Board Members
- Maintain a close partnership U.S. Department of Housing and Urban
Development and various
community partners
- Attend San Antonio Foreclosure Prevention Task Force quarterly
meetings
- Attend and participate in many community seminars, community
outreach fairs and events throughout
the year to better assist SAHA's clients interested in
homeownership opportunities
- Train staff on program guidelines, Oversee and Manage residential
both Commercial and Residential Real
Estate Brokers
- Developed marketing strategies per ever changing market and target
Low to Moderate income families
- Managed administrative specialist I, Homeownership Coordinator and
Real Estate Intern
- Oversee Project Specialist, Construction Inspector and Manager of QA
JANUARY 2005 TO OCTOBER 2010- (5 Years 10 Months):
SAN ANTONIO HOUSING AUTHORITY - "NON-PROFIT ORGANIZATION"
San Antonio, Texas
HOMEOWNERSHIP COORDINATOR / Real Estate Specialist i
- Created File Checklist, all order forms, letters, reports,
diagrams, Lender List and interest buyer list
- Maintained the Homeownership Waiting List, status reports,
applicants and Lenders List, Inventory List of
Properties for sale
- Responsible for the coordinating and scheduling all appointments
with applicants.
- Instrumental in the revision of Section 32 Homeownership Plan,
Homeownership Brochure
- Developed the Briefing Package, recreated the Residential Real
Estate Contract for the Non-Profits Sale,
Re-created Bidding Package to sell properties to private investors
- Train co-workers and Manager in the maintaining the Waiting List,
How to prepare an Residential
Earnest Money Contracts, extensions, amendments and closings
- Compiled Homeownership participants packets, meet with all
applicants to accept, review standard
forms for completeness and accuracy
- Explained to applicants all the rules and regulations per program
- Informed applicants of the time framed allowed
- Assisted Section 8 Coordinator process participants
- Prepared and managed all closings
- Managed administrative specialist I
Resume
Rachel Pena
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JULY 2004 TO JANUARY 2005 - (6- Months):
SAN ANTONIO HOUSING AUTHORITY - "NON-PROFIT ORGANIZATION"
San Antonio, Texas
SECTION 8 HOUSING ASSISTANCE AND ELIGIBILTY SPECIALIST
- Conduct interview with Section 8 Participants
- Transferred file from Waiting List to Section 8 Active List
- Assembled all documents to verify family size and Income
- Calculated Income and eligibility and Quality Control all files
within 20 days of interview
DECEMBER 2000 TO DECEMBER 2003 - (3 years):
SWBC MORTGAGE - "PRIVATE COMPANY"
San Antonio, Texas
MANAGER / CLOSER
- Structured the Real Estate Lien Note Buying Department
- Acquisition of Real Estate Lien Notes
- Created and ordered Appraisal, title policies
- Prepared packages for investors
- Pulled credit reports, processed applications, prepared
amortization scheduled
- Received bids on Notes
- Prepared Residential Earnest Money Contracts
- Prepared closing instructions
- Underwrote loans
- Closed mortgage loans
- Requested wire and Funded Conventional, FHA and VA Mortgage Loans
1995 to 2000- (5 Years):
EMERALD INVESTMENTS - "PRIVATE COMPANY"
San Antonio, Texas
OWNER / PROJECT MANAGER
- Rehabilitation of 20 (twenty) residential properties for investment
- Research Area of purchase
- Estimate Asset Value As Is
- Estimate Re-Sell Value after Rehabilitation
- Estimate Duration of Sale
- Capital Investment
- Earnest Money Contract Preparation
- Closing Requirements / Coordination of third party services
- Drawing Preparation
- Project Managing
- Sale of Property
- Sold Real Estate 1st Lien Notes
- Sold Real Estate 2nd Lien Notes
EDUCATION:
Thomas A. Edison High School - Graduation Date - May 1979
Ft. McClellan, Anniston Alabama - General Psychology - AUGUST 1980
Career Point Business School - Administrative Clerk - MAY 1996
FDIC Money Smart Financial Literacy - FDIC / FSS Money Smart Instructor
- AUGUST 2005
National Neighbor Works of America - National Homebuyer Education
Instructor-Train the Trainer-JULY 2006
San Antonio Board of Realtors - Principles of Real Estate 1 & 2 -
APRIL & MARCH 2006
- Law of Agency - MARCH 2006 / Law of
Contracts - MARCH 2006
- Real Estate Finance - MARCH 2006 / Property
Management - APRIL 2006
Resume
Rachel Pena
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- Real Estate Appraisal - MAY 2006 / Real
Estate Marketing - MAY 2006
- Real Estate Investment - JUNE 2006 /
Foreclosure Prevention - JULY 2008
Champions School of Real Estate - Safe Comprehensive Mortgage Loan
Origination - APRIL 2010
San Antonio College - Currently pursuing a Bachelors Degree
in Real Estate Management -76 hours to be
completed at the end of the 2013, Fall
Semester.
Previous Activity & Skills
- Served as a member of the San Antonio and Texas Foreclosure Prevention
Task Force
- Organize, plan and spearhead the 1st Annual San Antonio Housing
Authority's Homeownership Fair - JUNE 2010-2012
- Instructor for the Money Smart closing module # 10 on Homeownership -
MARCH 2010--current
- Served annually on the panel of San Antonio Board of Realtors Home Buying
Down Payment Assist.-March 2010-2013
- Held quarterly Veterans Seminars- FEBRUARY 2010--2012
- Volunteered -teach Closing class to first time homeowners at Habitat for
Humanity and Neighborhood Housing Services
- TREC MCE certified instructor-2011-2013
- Mortgage Specific Software Skills - MRG (Middleberg, Riddle &
Gianna) Program for closings
- Calyx Point Program / Loan Servicer 3D
- LP- (Laptop Processing) / DU-
(Desktop Underwriting)
- Fannie Mae Home Counselor / Counselor Max
Software Skills - Microsoft Word / Word Perfect
- Excel / Lotus 1-2-3
- PowerPoint / Access / Outlook / Internet
- 10-Key by touch-180 dpm / Transcription
Certificates - Certified Section 8 Housing &
Eligibility Specialist
-San Antonio College President's Honor
Certificate (2)
-CPR--2012--2014
-Psychotropic Medications Training-2012
-Transportation Training-2012
-PRIDE completed 12 hour-(Constructive Guidance
and Discipline of Children, Development Stages
of Children, Fostering Children's Self Esteem,
Positive Interaction with children, Strategies
and Techniques for Working with the population
of children served, supervision and Safety
Practices in the Care of children, Cultural
Competency and Diversity, Different Roles of
Caregivers, Measures to Prevent Identify, Treat
and Report Suspected Occurrences of Child
Abuse, Neglect and Exploitation, Connecting
With Pride, Teamwork Towards Permanency,
Attachment Losses, Strengthening Family
relationships, Discipline, Signs of Sexual
Abuse, Continuing Family Relationships,
Planning for Change-2012
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