DEBRA DOMINGUEZ

***** ********* ******, **** *****, CA 91304 C: 818-***-**** actqbb@r.postjobfree.com Driven Loan Officer with a track record in mortgage and home lending product sales with over 10 years in consumer financing, loan administration, default management and customer service. Excellent analytical and communication skills. Demonstrates strong interpersonal skills and exceptional service throughout the sales process. Skilled at working independently under tight deadlines and dedicated to maintaining professionalism and integrity. Expert in Loan Modifications

Experience with Conventional, FHA, Fannie Mae and

Freddie Mac loan types

CRM

Financial Analysis

Risk management assessments

Complex problem solving

Excellent work ethic

OFFICER; SPECIALTY SERVICING ADVOCATE II, 08/2010 to Current Bank of America Home Loans – Simi Valley, CA

Responsible for quickly handling and effectively resolving highly escalated executive level media complaints and challenges and serve as primary point of contact to customer or authorized party Recommend loan approvals and denials based on customer loan application reviews Review and edit 50-60 financial statements and loan agreements to ensure accuracy and determine appropriate course of action

Maintain quality control, high level of customer service by being proactive in communication with customers, attorneys, banking center associates while practicing patience and understanding due to sensitive nature of these loans Utilized regularly for special projects for Senior Management and Executives Recognized as a Top Performer: July and August 2012, 1st Quarter 2013, Global Recognition Gold Award 2nd thru 4th Quarter 2013, 2014 - Appointed to Officer as a leader and key contributor to the success of Bank of America UNDERWRITER / NEGOTIATOR, 01/2009 to 08/2010

US Home Loan Advocates – Westlake Village, CA

Conducted preliminary underwriting; thoroughly reviewing all documentation that would be required for a formal approval and verifying income and asset information prior to submitting to underwriter for final review Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act, FHA, Fannie Mae and Freddie Mac investor guidelines Originated, reviewed, processed, closed and administered approximately 150 financial statements and customer loan proposals per month

Recommended loan approvals and denials based on customer loan application reviews Maintained friendly and professional customer interactions. OFFICE OPERATIONS MANAGER, 01/2008 to 06/2008

Minarc, Inc – Santa Monica, CA

Applied advanced business expertise in writing the company's business marketing plan Prepared financial pages for presentation to senior management Performed periodic budgeting/modeling to project monthly cash requirements Composed effective accounting reports summarizing accounts payable data Monitored payments due from clients and promptly contacted clients with past due payments Reconciled discrepancies between accounts receivable general ledger account and accounts receivable trial balance account

Researched and resolved accounts payable discrepancies PROFESSIONAL SUMMARY

SKILLS

WORK HISTORY

Reconciled vendor statements and handled payment complaints or discrepancies Filed and addressed employee complaints in accordance with company policies and government regulations Registered and submitted projects for Award Competitions and conferences SALES ACCOUNT EXECUTIVE, 08/2005 to 10/2007

Argent Mortgage Company – Orange, CA

Handled 45 client companies and brought in 5 new accounts per month Monitored market activity and quoted pricing to maintain healthy profit margins Introduced Argent Mortgage products and policy to brokers and mortgage bankers to ensure smooth transactions Acquired $2 million in sales revenue first month in the field Identified and qualified customer needs, developed sales strategies and negotiated and closes profitable projects with a 85% success rate

Monthly origination volume range consistently between $3 million - $5 million Enhanced professional experience by closing full range of loan programs Studied 2 years: Business Administration,

Grossmont College - San Diego, CA

Coursework in Fundamentals of Communication, Strategic Sales and Retail Marketing and Finance Salesperson License: Real Estate, 2005

Department of Real Estate California - Los Angeles, California Continuing education in Real Estate Courses

EDUCATION

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