Mortgage operation

Deborah Merlino-Alvarez

**** ******** *****, *********, ** 94513

Cell: 925-***-**** ? Email: acd7w3@r.postjobfree.com

.

QUALIFICATIONS

. 27+ years of leadership in financial service operations as manager,

loan officer, processor, and closer

. Multiple promotions to regional management positions in operations for

both DHI Mortgage and Chase Manhattan Mortgage Corporation

. Strong relationships and professional comfortableness with executives,

bank managers, community realtors, business owners, non-profit

representatives, builders, operations staff, and Information

Technology professionals

. Consistent recognition for leadership in serving others, business

acumen, and natural/creative problem-solving abilities

PROFESSIONAL EXPERIENCE

Ellie Mae, Pleasanton, Ca

3/2013 - 7-2013

Implementation Product Specialist

. Act as the key contact to Ellie Mae client's throughout the

implementation process

. Drive the best practice implementation cycle for the new Ellie Mae

clients

. Testing and training to support the on-boarding process of new and

existing mortgage clients to the Encompass 360 solution and all its

peripheral products.

. Function as a subject matter expert for a specified set of products

and services offered by Ellie Mae Coordinate fulfillment of

configuration, training and customized services to reach a successful

deployment of the Ellie Mae products

Guild Mortgage, Oakland, CA

12/2011 - 4/30/2012

Branch Operation Manager

. Supervised, documented, monitored quality control, processed, and

closed loans at the branch level

. Implemented and monitored systems/procedures for tracking progress and

increasing efficiency of staff and branch protocols

. Ensured that quality and timely loans were produced and escalated

potential fraud issues to Corporate Operations and Compliance

. Trained Processors, Loan Officers, and Loan Officer Assistants in

disclosing, use of company software systems, and branch specific

logistics and procedures

. Educated Processors in technical ability, system input, and a sound

understanding of closing and underwriting departments

. Oversaw all non-production and clerical support personnel in the

branch

. Acted as a liaison between Origination, Processing, Underwriting,

Closing, and Corporate Staff, while leading and maintaining an upbeat

and helpful culture between individual roles

. Rectified a variety of office issues including file issues, errors on

payroll of direct reports, and technology breakdowns.

. Interviewed and provided input on hiring decisions

. Processed up to 15 files per month as overflow for branch, as

necessary and underwrote

Fremont Bank, Hayward, CA

10/2011 - 12/2011

Underwriter- Contract

. Underwrote both conforming and non-conforming loans for the retail

division.

. Reviewed and evaluated loans for income stability, credit history,

funds for closing and debt to income ratios.

. Examined all aspects of the loan including appraisals, present market

conditions, location and property usage.

. Evaluated the value with respect to market, income and cost

approaches.

. Maintained detailed knowledge of Fannie Mae and Freddie Mac

guidelines.

. Underwrote 12 loans a day

Bank Of America, Concord, CA

5/2011- 9/2011

Customer Service Manager- Contract

. Operated as the single point of contact for borrowers experiencing

financial distress

. Refined and managed a portfolio of imminent default loans with a focus

in Loan Modifications

. Maintained a strong understanding of appropriate options for borrowers

such as collections, repayment plans, special forbearance,

modifications, short sale, and/or foreclosure

. Researched, prepared, analyzed, and/or procured documentation, while

determining appropriate course of action

. Sustained an extensive knowledge of the organization, products or

services

. Ensured compliance with federal laws and company guidelines in order

to minimize loan losses and legal concerns

Wells Fargo Home Mortgage, Concord, CA

10/2010-2/2011

Mortgage Loan Specialist IV

. Performed processing, decision-making, and pre-closing tasks required

for loan compliance from point of application from submission to loan

closing

. Processed loan files, verifying assets, liabilities, collateral, and

credit through paperless environment

. Maintained thorough knowledge of products and guidelines

. Possessed responsibility for clearing, modifying, and adding

additional conditions for salability of loan

. Ordered required verifications, documentation, and subsequent follow-

ups to complete loans

Bank of America Home Loans, Concord, CA

5/2010- 10/2010

Senior Processor II- Temporary Employment

. Provided operational support to Mortgage Loan Consultant

. Processed loans submitted on Point Origination System

. Reviewed documents submitted via Doc Portal, sign off conditions

. Conducted Welcome Calls

. Reviewed underwriter guidelines for assets, liabilities, credit and

collateral

. Recommended declines if and when applicable

. Maintained pipeline consisted of 33 loans for $25 million team concept

with high performing Loan Officer

. Closed 10-15 loans funded per month

. Implemented pipeline reviews weekly with Loan Officers

Wells Fargo Home Mortgage, San Leandro, CA 6/2008 - 11/2009

Loan Officer

. Served as consultant to bank managers on loans, with

specialization in government loans (FHA, VA)

. Built relationships with community realtors; and sold Wells Fargo

services to realtors, businesses, and non-profits

. Processed and managed loans in pipeline

. Earned Certification in VA and CALHFA Programs

. Represented Wells Fargo through community events, meetings, and

other opportunities for networking

. Attended weekly realtor meetings (Contra Costa, West Contra Costa,

and Berkeley Boards of Realtors), Women's Council, and open houses

. Conducted First-Time Homebuyer Workshops for Operation Hope, a

community-based non-profit

. Developed $14million pipeline in loans

Countrywide Bank, FSB, Walnut Creek, CA 12/2007 - 6/2008

Senior Processor/LC

. Developed new and existing realtor business - participated in

weekly realtor and builder functions including open houses, realtor

tours, seminars, and public events; and conducted weekly visits to new

and existing accounts

. Processed loans for FHA, VA, and First-Time homebuyer programs

. Developed an active pipeline of $7.7 million in loans

Wachovia, Stockton, CA 6/2007 - 12/2007

Senior Processor/ Marketing

. Managed a loan portfolio for branch

. Initiated and maintained contact with builders and realtors;

. Participated in creation of marketing collateral

. Maintained loan database information

. Attended the Livermore Board of Realtor weekly meetings to

represent Wachovia loan products

. Processed all loans within my branch specializing in government

products

Citimortgage, Orinda and Lafayette, CA

12/2006 - 5/2007

Senior Processor/Marketing

. Managed loans for financial centers in Orinda and Lafayette

. Built relationships and referral business

. Held events including barbeques and seminars on loan products,

investments, and 1031 exchanges

. Processed FHA and VA loans within the branches

. Conducted training programs on government products

DHI Mortgage, Walnut Creek, CA 9/2004 - 11/2006

Regional Closing Manager (4/2006 - 11/2006)

Closing Team Leader (10/2005 - 4/2006)

Closer (9/2004 - 9/2005)

. Contributed heavily to the success of the Closing Department over

a 2-year period of ever-increasing leadership responsibility

. Hired into position to close loans; promoted to team leader; and

subsequently promoted to Regional Closing Manager

. Provided new employee training as closer and in team lead role;

and provided training to all department managers and employees on DHI

mortgage policies and procedures as Regional Closing Manager.

. Served as consultant to regional branch personnel - assisted

regional staff with closing issues.

. Closed approximately 130 loans/month as team leader.

. Took Closing Center from failure in both scorecard and audit score

to "A" grade and an almost perfect audit score.

Chase Manhattan Mortgage Corporation, San Ramon, CA and Jacksonville, FL

1997 - 2004

AVP/Regional Operations Manager (12/2002 - 5/2004)

Regional Operations Support Supervisor (2001 - 12/2002)

Funding Manager (1997 - 2001)

. Hired into staff position, but quickly promoted to manager, then

to a regional operations supervisorial position, and subsequently to

Assistant Vice President/Regional Operation Manager

. Managed staff and daily workflow for all loan closures for the San

Ramon branch

. Determined regional policy differences through discussion with

escrow companies, attorneys, and managers of J.P. Morgan Chase prior

to merger; and ensured state specific regional guidelines were met for

the 9 western states

. Provided operational support to wholesale regions and to 7 retail

branches

. Conducted hiring, firing, audit, and training of branch staff

. Wrote national policy for loan appraisal and government loans

. Monitored regional reports to ensure timely completion and

accuracy of documentation

. Served as internal expert for the functionality and operational

use of the LINCS system (Loan Origination System)- provided

consultation and training to branch and wholesale regional staff

. Conducted branch audits to prepare branch staff for federal audits

. Assisted Information Technology staff with new system development -

contributed to the development of system requirements; and conducted

user acceptance testing of new system enhancements

. 2nd signatures underwrites-Had credit authority of $500,000.

EDUCATION Marketing and Business Studies, Diablo Valley

College, Pleasant Hill, CA

Principles of Real Estate, Real Estate Law, Los Medanos

College, Pittsburg, CA

PROFESSIONAL Numerous Seminars and Classes: Leadership,

Communication, Conflict Resolution,

TRAINING Teamwork, and Technology

CERTIFICATION Certified Military Express (Veterans Affairs Loans)

NMLS

TECHNOLOGIES Microsoft Windows, Word, Excel, PowerPoint, Outlook,

Internet, Point Calynx, Data Trac, Encompass, Empower

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