Customer Service Sales

Kamea Richey

Sr. Mortgage Professional

Lompoc, CA 93436

*******@*****.*** - 805-***-****

Senior Mortgage Professional

An extensive Background in Business-to-Business Sales, Mortgage Banking Finance,

Financial Coaching, Loan Origination, Underwriting, Sr. Loan Processing, Director of

Advertising, Marketing Coordinator, Media Consultant, Debt Settlement, Deferments,

Forbearance's agreements,

Principle Reductions/Modifications programs, Short Sale acquisitions, Debt Collections,

Innovative Financing, and Loan Operations. Strong analytical and organizational skills,

Ability and Experienced in meeting Corporate and executive quotas

.

Personal Achievements and Job Experience

• Member of National Association of Medical Sales Representatives(NAMSR)

• DOC/DRE Licensed Mortgage Consultant NMLS #680161 in over 20 states

• Degree in Mortgage Banking Finance

• Degree in Real Estate Principles and Practice

• Real Estate Licensed

Dodd-Frank Wall Street Reform and Consumer

• Licensed and Certified with The

Protection Act (the Dodd-Frank Act)

• 18 years’ experience in the Mortgage Banking Finance Industry

• Senior Consumer Debt Counseling

• Director of Advertisement with The Woman’s Chamber of Commerce

• MVP Sales Executive for Top Mortgage Company

Sr. Mortgage Originator

The Money Store - Irvine, CA - February 2013 to Present

Responsibilities

Primary focus is prospecting and marketing to Realtors/Brokers, working side-by-side

to service buyers/seller in today's purchase market. As a mortgage

professional with over 18 years in Loan Origination I'm able to guide customers

to full approvals according to their individual financial situation. Also taking a

complete application and collecting the necessary documents up front in order to

make sure their loan transition goes as smooth as possible. Having the

professional experience of processing and underwriting in recent years, I'm

acclimated with the current mortgage guidelines, regulations and procedures.

Which allows me to successfully educate and lead my clients with confidence

through the lending process. My understanding of reviewing, appraisals, prelims,

credit, income, bank statements, tax returns, etc. has proven to be an

irreplaceable asset in my Senior Loan Originator positions.

Senior Loan Processor

Citibank - February 2012 to February 2014

Responsibilities

Review loan file to verify procedures per guidelines and ensure integrity of all

processed data inputs. Order necessary documents, follow-up with vendors and

third parties companies to obtain documentation in a timely manner to ensure

complete customer satisfaction. Managing a daily pipeline, exceeding required

performance standards for welcome, approval and status calls. Obtain and review

customer documents, clearing conditions commensurate with authority

level. Submit loans to underwriting for conditional reviews and full approvals,

partner with Sales Executives and underwriters on difficult and/or escalated

transactions. Exceeding customer expectations by providing the highest level of

customer service, maintain monthly performance quotas, compliance/regulatory,

and customer satisfaction. Guarantee on time closing by completing all required

pre-closing steps; making cash to close call, and handing file off to closer within

above required performance standards. Utilizing 17 over years’ experience closing

Conventional, FHA, USDA, VA and non-conforming loans. Also educated with the

following lending regulations;

RESPA, HMDA, HOEPA, ECOA, S.A.F.E and TIL regulatory

procedures/practices. Experienced in SalesForce, CalxPoint, Encompass, LP, etc.

President of Faith Works Enterprises/ Senior Mortgage Professional & Debt

Settlement/Financial Coach

Faith Works Enterprises - January 2006 to February 2012

Responsibilities

Senior Mortgage Coordinator/Consultant, servicing Realtors, Investors,

Homeowners Nationwide in all 50 states for their residential/commercial

mortgages, and personal financial needs. President and Lead Trainer,

processing residential loans from start to finish, profiling credit history, income,

assets, debt, mortgage history, appraisals, sales contracts, etc. Educating

Business Executives and Investors/Home Owners on the Mortgage Banking

Finance Industry understanding the importance of complete submissions and

satisfying conditions for the loan programs available in today’s market. My

software experience includes CalxPoint, DU/LP, LPM, Sales Force, and much

more. Specializing in Loan Origination, credit profiling, Loan set-up, Underwriting,

Closing prep, ordering and analyzing appraisals, Reviewing Prelims, etc. Known

for my ability for Customer rapport and outstanding Customer Service, leading

and education today’s consumer through the Home Lending Process with

success.

Sr. Mortgage Consultant

Bravo Credit - Oak Brook, IL - June 2005 to January 2006

Responsibilities

Cold called prospective homeowners regarding refinancing and home ownership

options from online and self-generated leads, trained and supervised new hire

and current employees.

Made 100-150 call per day both inbound and outbound, profiled potential clients

for their refinancing and ownership options

Structured loan programs that would help customer accomplish financial goals

#1 sales representative for volume from July 2005- Jan. – 2006

Sr. Loan Officer

Ameriquest Mortgage - July 2004 to May 2005

Loan Originator

APM/ Becker Mortgage - Sacramento, CA - 2002 to 2004

Sr. Loan Processor

Chase Mortgage - Sacramento, CA - 2001 to 2002

Loan Processor

The Money Store - Sacramento, CA - 1997 to 2001

Loan Processor

Providian Bancorp - Sacramento, CA - 1995 to 1997

EDUCATION

Nevada School of Real Estate / Bachelor’s Degree - Las Vegas, NV

September 2009

Career College/ Mortgage Banking Finance Associate Degree

Fair Oaks, CA

August 2002

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