Sales,Big ticket

RTHUR W. BABINEAU

A ********@*****.*** *** ***

9947

SUMMARY OF QUALIFICATIONS

• 24+ years working in the Sales and Mortgage industry with experience in

underwriting, processing, loan collections, loss mitigation, structuring of mortgage

loans and Making •Decisions on Credit Worthiness by looking at Complete

Picture of Individual and not just Good Credit Scores.! I Lead by example and

always Managed my time for Maximum Return but still always made time for the

Team Members that made Success Possible. • Analyzed and reviewed Credit

Reports, Appraisals, Title Reports and all required documentation for Accuracy,

Completeness, Fraud and Guidelines according to Lenders Approval Conditions

on all Loans that were Closed Through My Companies Office's ! •

Maintain a strong ability of listening to Customer's needs while always Thriving

for giving outstanding Customer Support and Service always leave them

SMILING !

• Underwrote, pre-qualified, and processed All loan types: conventional, Jumbo,

FHA VA, sub prime

• Utilized a variety of mortgage lending software including, LPS, DO, DU, LP, LIS,

Calyx and CLUES and proficient in MS Word, Excel and Outlook, WEBOLOGY,

FHA Connect

• OCD organizational skills, multi task and complete work in Time and Accurately

Exceptional communications skills and Thrive in a fast paced environment.

Professional Experience:

Blueshore Recovery, Charlotte N.C. April 2012 B2B CEO / CO-OWNER

* Cold call new Business while taking care of existing account Collections, all

types. Medical, Credit Cards, County and City, National accounts and Millions in

local contracts

* Liaison between Debtor and Account holder on Negotiating a Pay off of

balance

* Helped with payment structuring and run weekly Audit of all outstanding

accounts

Wells Fargo Mortgage,Rancho Cordova, CA. 10/2010- 4/2012 Loan Doc

Specialist 3

• Performs a variety of loan documentation duties on complex loan packages

• Processed all types of Loans, interpreting policies while analyzing applicant

• Obtain and assess all required verification documentation and subsequent

follow-ups

• Perform debt to income analysis of borrowers and assets for reserve

requirements

• Review title, appraisals,income docs, tax returns for completeness and

accuracy

Bank of America Mortgage, Charlotte, NC April 2009 - Sept. 2010 -LOAN

OFFICER

• Responsible for online and phone applications for home purchases and

refinances

• Provide customers with custom quotes for new mortgage loans, calculate DTI

ratio’s and review assets

• Approve loans based on all documentation requested and reviewed.

• Collect application fees and review customer lists of conditions for conditional

approval

• Follow up calls to customers in attempt to earn their business for new loans

• Keeping up to date with all loan changes and guideline updates

Amerimortgage Funding, Charlotte, NC Sep2001 - Dec. 2008

-•Owner/Broker

• Originated Purchase and Refinanced Loans for Residential and Commercial

Properties

• Underwrote loans and communicated with Banks over Stipulations and

approvals

• Analyzed and reviewed Credit Reports, Appraisals, Title Reports and all

required documentation for Accuracy, Completeness, Fraud and Guidelines

according to Lenders Approval Conditions on all Loans that were Closed Through

My Companies Office's ! • Monitored loans for compliance with State

and Federal " R.E.S.P.A. & H.I.P.P.A."Laws

• Prospected for new Loans through leads, Marketing and Advertising in Print

Media,

• Built Personal Referral and Retention of Customers to a point to last me until I

Retired • Held weekly meetings with Teams for Status of Loans and Pipelines.

Kept all My L.O.'s well informed and Educated on New Banks to New Law

changes and Training

Additional Experience:

Carolina Mortgage, Charlotte, NC January 1999 - September 2001 - SR Loan

Officer

City Chevrolet, Charlotte, NC June 1996 - January 1999 - Used Car Sales

Associate

Macco Paint and Auto Body, Pearl City, HI July 1994 - May 1996- SALES

MANAGER

All Done Cleaning and Services, Charlotte, NC March 1990 - June 1994 -

OWNER

United State Air Force, Andersen Air Force Base Guam - March 1986 - March

1990

Education:

SAFE / NMLS Certified LICENSE - # 67408

University of Maryland 1986-1990 - Applied Associates Business Management

Apponequet Regional High School, Lakeville Massachusetts. - Graduated 1985

References available upon request

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