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Sales Real Estate

Oxnard, California, United States
October 15, 2016

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Cathia Khadarian, J.D.

818-***-**** •

Result oriented professional with over 20 years of demonstrated successes in residential/ commercial lending and financing with an emphasis on management, training, sales and underwriting in retail/ wholesale loans within the mortgage banking/real estate industry, and a legal background. PROFESSIONAL SKILLS

Experience with regulatory agency requirements governing the mortgage banking industry. FNMA, FHLMC & FHA

Negotiations and client relation skills.

Self-starter and team player

Problem identification and resolution.

Account management and customer service

Excellent communication, presentation and

listening skills.



Team Leader/Loan Review Analyst III: Reps & Warrants GSE/MI Audit: Responsible for managing a group of Senior Underwriters. Review of the senior underwriters’ audits to ensure each investor issue has been thoroughly and accurately addressed. Credit, title or contract violation findings from GSE for repurchase or MICO claims for rescission of MI coverage• Analyze the investor’s repurchase request for any and all possible methods of refuting their claims •Responsible for monitoring team’s pipelines and coaching teams to ensure a fast paced workflow and quotas meets our standards of quality and timely turnaround times •Responsible for maintaining a well-organized team who can take on unexpected management projects while still motivating the team to continue to meet their daily goals and deadlines. Claims management/appeal process: Appeal drafting and rebuttals, working knowledge in arbitration projects and negotiation skill to resolve credit, title issues, for appeal and repurchase approvals.

Pre-foreclosure Unit Leader: Responsible for supervising and day to day management of 2 to 3 Team Leaders with total 30 associates. Reviewed & approved escalation issues for appraisal value, property preservation, title, bid amount, and states regulations for trustee sales.

Health Claim Examiner: Lakeside System /PHS 2009

Review and Process claims for major Health Care Providers and Hospitals. Knowledge of CPT & ICD-9CM Coding. Billing Forms UB04/CMS 1500 and medical terminology. IDX system. Familiar with major Health Care Insurance contracts, products and Advanced Medisoft program. M & T/WACHOVIA BANK 2007-2008

Wholesale Account Executive

Monthly Wholesale loan origination 15 to 20 Million, funding ratio 90%. A and Alt- A product. GREEN POINT MTG 2005-2007

Sr. Underwriter/Wholesale AE

Review and approve wholesale loan applications.

Approve credit profile and appraisal issues.

Mentor condition specialists.

Assist and train loan brokers with company products and underwriting guidelines.

Coordinate with team members and account executives to facilitate smooth and timely loan funding. RIGHT HOME 2003-2004

Operation/Team Manager

Staff transaction sales manager.

Responsibilities include supervising, hiring and training of sales and operation staff, overseeing sales/contract transactions, disclosures, loan origination and underwriting. COUNTRYWIDE/CORRESPONDENT LENDING & COUNTRYWIDE CMD 2001-2003 Quality Control Underwriter

Retail Underwriter, review and approve credit, appraisal and conditions for 1st & 2nd residential mortgage applications.

Knowledge of ECOA, RESPA, HMDA, Reg Z and TIL.

Sales Manager/ Mortgage/ Real Estate Broker: Central Valley Financial / Khadarian & Associates 1989-2001

Quality Control Underwriter

Real estate loan origination/underwriting and operation manager.

Real estate sales/lease transactions.

Recruited, trained new agents supervised sales activities and reviewed contracts/loan origination and underwriting.

Short sale negotiator



Professional Licenses: Life/health/Casualty Insurance license Medical Billing / Coding &Health Claim Examiner Certificate LANGUAGES: French, Armenian, Arabic

COMPUTER SKILLS: Equator system, MS Office & AUS LP/DU & Mortgage processing systems.

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