Customer Service Sales
Resume:
Dear HR Department/Talent Acquisition/Recruiter,
Attach please find both my cover letter and my complete resume.
I am interested in discussing my qualifications for this position as I have worked in the mortgage sector in various similar capacities with different employers in several capacities. I am currently seeking an opportunity within the mortgage platform that provides me the ability to work with my professional goals as well work for an industry leader.
I am a fluent native Spanish and English speaker from California.
My resume highlights the desirable skills, knowledge, abilities and expertise that I have attained over the years working for both leading large and small corporations alike. The capacities of these positions provided for a great fit with which I can transition into a new career within your corporation.
Most recently my capacities included work in the mortgage sector that involved critical financial analysis, processing files, sales, collecting, underwriting, auditing, negotiating with government agencies, managing retail financial offices and managing litigation case files that required a demonstration of having strong analytical capacities to deal with internal and external customer service base skill sets and strong attention to detail.
In my current and former role’s, I provided “specific” business customer service relationships and exhibit strong marketing capabilities. Both my solid work history and obtaining a degree at a local university reflects my ambition to succeed. I enjoy working in the consumer and retail lending sales environment and the roles I have had provide the opportunity to work very effective and efficient professional. Being bilingual is a plus as I find it to be an effective way of communicating with both the English and Spanish speaking community fluently. I am strong with Microsoft Office programs and know mortgage and banking programs as well. Quickly learning is an asset as well and I do so both in an independent or team setting. Working both in group settings and face to face customer service roles have also provided for learning how to do well in cross selling a variety of products and have a strong closing.
I am excited about an opportunity to work with another industry leader. As you can tell I am a very ambitious individual which loves success and looks to benefit from my next endeavor hand in hand with industry setters and at the same time reach the ‘masses’ and make a difference in each individual I come across.
I look forward to speaking with you soon and becoming your next Senior Mortgage Underwriter for this specific location and work with the local bilingual community.
Kind regards,
Ofelia Amador- Galvan
contact # 818-***-****
email: ******.***@*****.*** or ********@***.***
Ofelia Amador-Galvan
14500 Sherman Cir #346, Van Nuys, CA 91401
Cell: 818-***-**** Email: ********@***.***
OBJECTIVE
Obtain a position in the mortgage sector where experience in originating, underwriting, processing, sales, training, closing and independent or team leadership, is required. Strong desire to utilize analytical, communication, and organizational skills. Proficient in speaking English and Spanish.
CORE SKILLS
Residential Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government Mortgages Conforming & Nonconforming Loans ARMs Loan Closing, Funding & Documentation Control Account management, Origination, Investor Reporting by claims management of GSE & PLS to include: MHA, FHA, FNMA Collections Experienced in Default processes, Foreclosures, Deed in Lieu
CAREER PROGRESSION
Group Database Representative/Net Representative - Small & Large Business
Membership Department - New Enrollment Team
Health Net -Woodland Hills, CA 10/2014-Present
Assist with new membership group level business account installation and group renewals.
Manage account level installation and maintenance according to current legal and company guidelines as well as applicable federal, state and local regulations.
Review and load group level data with accuracy, assign billing cycles, rates, plans coverage codes from sales notifications onto internal computer systems for new and renewing accounts.
Coordinate with internal marketing & underwriting department to review discrepancies of sales notifications to accurately implement the enrollment processes.
Knowledge of managed care & HIPPA rules and regulations as well as other auditing standards.
Active CA Insurance License of Life, Disability and Health.
Mortgage Litigation Analyst II/Case Manager
Representations and Warranties
Bank of America-Thousand Oaks, CA 08/2013-05/2014
Managed litigation cases against former Correspondent Lenders that sold defaulting mortgage loans to Legacy Countrywide.
Provided intricate analysis of documentation, research and compliance standards.
Generate, maintain and distributes various standard departmental reports on a daily, weekly, and monthly basis.
Liaison between internal departments, regulatory agencies, contracting agencies and other external organizations.
Coordinated discovery production efforts via, phone, electronic communication, mail correspondence or office equipment (monitors, collects data & reviews findings) to substantiate claims/defenses.
Provided strength of claims/report on case work and maintains LOB timelines on projects.
Requires strong analytical ability with heavy use of Microsoft Excel (Pivot tables and
V-look up and other excel formulas).
Fast learner with new programs/software update and industry proficient in many areas and roles.
Strong diligence, timeliness and exceeds in all expectations from managing risk within the established role.
Negotiations Underwriter & Auditor
GSE (Freddie Mac, Fannie Mae) & (PLS) Private Label Securities Claims Management
Representations and Warranties
Bank of America-Headquarters-Calabasas & Westlake Village, CA 11/2010-08/2013
Performed investigative file underwriting, auditing reviews and analysis of loan populations of origination files for negotiations discussions with appropriate mortgage investors.
Strong analytical capacity to review case files.
Knowledgeable in examining documentation for quality, accuracy and completeness.
Worked on deficiency research (collecting, providing data analysis, recording & reporting findings) and a strong overall contributor.
Performed mortgage loan audits in according to timelines and underwriting policies, procedures and guidelines of loan files encompassing internal agency & external investor requirements of programs like MHA, FNMA, FHLMC, Jumbo, Conforming, and Non-Conforming products.
Computer proficient in various Microsoft programs which include but not limited to Excel, Word, Access, PowerPoint, Outlook and Communicator
Evaluated the financial strength of borrowers to determine possible “red flags”, risk and repayment capacity thru all DTI/LTV ratios.
Synthesized credit analysis and reviewed property value thru appraisal reports.
Exposed to Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Prospector (LP).
Audited completion of stipulated and conditional approval requirements.
Verified RESPA, TILMA, ECOA, HMDA & FCRA regulatory compliances within loan package.
Certified through SASE training to identify misrepresentation and deficiencies of the underwriting process.
Marketing/Membership Team Lead
Sam's Club-San Fernando, CA 04/2010-11/2010
Managed, independently executed tasks, lead activities and evaluated the impact of controlled deficiencies in data-analysis reports.
Surveyed competing vendors through the local valley and greater Los Angeles area to improve and adjust pricing and product knowledge.
Use and analyze data, resources internal and networked externally.
Ensure membership documentation was with detail, accurate and compliant with company protocol.
Managed and trained a group of membership sales associates for in-facility job specifications and outside community planning.
Detailed teams production, provided constructive individual reviews on a monthly basis to marketing staff and provided recommendation for next quarter goals.
Planned drives with outside-third party companies in various industry channels to increase and promote business membership with local business and community prospects with the objective to increase and promote profitability for the area facility.
Head Short Sale Negotiator
Forensic Underwriting-Auditing-Negotiations
C.F.C.I.G-Investor Management-Woodland Hills, CA 01/2009-08/2009
Worked with Pre-Foreclosure properties and connected with current lenders to negotiate an accepted value for purchase with third party investors.
Evaluated and negotiated loan files.
Competences include but not limited to preparation, examination and submission of documents and loan package to intended third party private lenders which included primary and secondary market investors.
Conducted drive-by property inspection to determine estimated value to supplement research.
Worked closely with title, appraisal, escrow and funding to ensure time lines were in order analyzed ratios and values for profitability of individual transaction for the third party / intended investor.
Ability to assess individual creditworthiness, review financial documents in a fast-pace and high volume environment with focus to attention to detail and practicing prudent lending judgment in review of financial documents for available residential loans in changing markets.
Worked closely with auction negotiations, researched alternative options for homeownership and conducted online and/or face to face presentations in a group or private individual setting.
Senior Loan Consultant
Pacific Mortgage Masters-Calabasas, CA 01/2008-12/2008
Independently originated leads, negotiated and managed a continuous pipeline of loans.
Solicited, originated and did relationship management with Account Executives, Brokers and area lenders during the underwriting process.
Reviewed credit history and verified employment history. Calculated property and income ratios.
Document ordering and preparation included: Title/Prelim, Appraisal/Escrow, and all the RESPA disclosures.
Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
Thorough knowledge of FNMA and FHLMC underwriting guidelines. Specialized in Conventional and ALT-A & Subprime lending focused on difficult/complex loans.
Provided analytical, prudent and credit analysis with frontline underwriting Jumbo Loans, Heloc Loans, Conforming and Non Conforming Loans.
Analyzed Loan conditioning on file, signing off on conditions as received. Conducted audits of documentation on loan files with junior loan officers and processors for accuracy, completion and compliance of qualified programs
Performed property inspections and reviewed daily matrixes and guidelines to help finalize final underwriting requirements.
Gap in employment due to returning back to finish B.A. degree
Consumer Finance Manager
CitiFinancial Services Inc. -Oxnard & Chatsworth, CA 01/2004-09/2005
(After the acquisition from Washington Mutual Finance)
After the acquisition of all Washington Mutual Finance branches I was promoted to manage different offices to improve profitability, to lower delinquency, participate and manage internal audit reviews, review compliance standards and procedure, provide manual loan decisions underwriting for both residential mortgage products in appropriate market standards and consumer finance products.
Consumer qualifying involved credit synthesis considering ability to pay. Reviewing consumer credit history and accounts profile determine qualifying ratios and through establish guidelines.
Product included Auto Loans, Equity lines of credit, wholesale furniture lending and cross selling of insurance products.
Competencies include examination of loan documentation for completeness and accuracy through the origination process.
Role competencies included training, supervision of staff and implement corporate policies and procedure for internal (company) and state audit reviews during the year.
Experienced with Primary and Secondary Markets for residential loans.
Finance & Credit Manager
Washington Mutual Finance Inc. -Woodland Hills & West Hills, CA 11/1998-01/2004
(Formerly- First Community Financial Services-Great Western Bank)
Overall management of branch operations, sales and personnel to ensure operational integrity of overall performance.
Competencies include but not limited to the use of synthesizing of credit worthiness to ascertain loan viability and identify risk by assessing variables to determine final loan determination while implementing underwriting guidelines with policy and procedure.
Leadership competencies incorporate a blend of managing, supervising, training, manual underwriting, mortgage and retail loan origination, audit review, credit and data analysis, validation of assets, title research, value determination, property inspection, cross selling of programs/products, funding, legal preparation and merchant networking.
EDUCATION
CALIFORNIA STATE UNIVERSITY, NORTHRIDGE PUBLIC NOTARY STATE OF CALIFORNIA
B.A. Liberal Studies, December 2008 Year 2002-2005
TECHNICAL PROFICIENCY
*NOT LIMITED TO INCLUDE:
Microsoft Office ( Word, Excel, PowerPoint, Outlook, Outlook, Communicator, Access, Live Meeting ), Calyx Point, Encompass, Data Management, AS400, Bank VOD, Right Fax, Internet Explorer, Snag it, Adobe, Venus, AI, DART, File Net, LPS, All Regs, AUS-Fraud Detector, CTM, DU,LP, Home Focus, CLAIMS, DOCS, QAS, Interact, Iportal, LandSafe Appraisal & Flood & Credit, Lexus Nexis, Linx, Recon Trust, The Work Number, Rapid Reporting Verification Company, Real Quest, SharePoint, StatusMart, SASE Training and Six Sigma
REFERENCES
AVAILABLE UPON REQUEST
Contact this candidate