Manager Customer Service

THOMAS J. WELCH, JR. Phone 714-***-****

*** ******* *****, ***** ****, CA 92627 E-mail acz76p@r.postjobfree.com Objective

Seeking a challenging position in an outstanding financial institution with opportunity for advancement through the use of personal experience from 14 years in the mortgage industry and apply that operational and sales experience toward a challenging position using my leadership skills.

Experience

Mar 2016 to Dec 2016-Metropolitan Home Mortgage, Irvine, CA FHA Underwriter (Chums #IF30)

x Underwrite, analyze and review Conventional and FHA purchase/refinances. x Review conditional approvals for processors and coordinate fundings. x Organize and analyze daily submissions using

x Encompass; DU or LP per UW guidelines.

Aug 2014 to Dec 2015-Motive Lending in Irvine, CA

FHA Underwriter (Chums #IF30)

x Underwrite and manage FHA loans reaching monthly goals. x Review conditional approvals for processors and coordinate fundings. x Organize and analyze daily submissions using DU, LP or underwriting guidelines. Aug 2012 to Sept 2013 - CashCall, Inc in Anaheim, CA Senior Underwriter

x Underwrite Fannie Mae and Freddie Mac Refinance and Purchase home loans. x Organize/Analyze daily submissions using DU or LP underwriting guidelines. x Review conditional approvals for processors and coordinate fundings. May 2010 to Aug 2012- RES.NET accelerated management platform in Lake Forest, CA National Sales Rep - Internet Advertising

x Sell Advertisement spaces to over 15,000 real estate agents across the country. x Travel to national trade shows and local seminars to sell products of RES.NET. x Reach daily and monthly $30k sales goals and generate new business in allocated territories.

x *Awards included: Leading Sales Rep in 2011

May 2008 thru May 2010 - US Real Estate Services, Lake Forest, CA Asset Manager-REO Closing Department, Listing Specialists x Maintain monthly pipeline of 100+ deals as an asset manager for foreclosed properties going back on the market.

x Communicate and close deals through daily correspondence between title companies and real estate agents across the country.

x Create reports and update all team members on a weekly basis of pipeline status. x *Awards included: Leading Closer of 2009,

x *Employee of the Month in February and March 2009 THOMAS J. WELCH, JR. Page 2

September 2006-April 2008 - Pacific Community Mortgage, Anaheim, CA Underwriting Processor-Wholesale Department

x Manually underwrite loans, calculate income and DTI%, analyze title and review appraisals.

x Review and analyze complete submission packages from brokers for re-finance and purchases 1st/2nd trust deeds.

x Approve/deny/suspend loans based on lender guidelines such as Aurora and EMC. x Follow-up with brokers, account executives and coworkers on loan status. x Review conditions, update counter offers, reprice and prepare loans for final loan documents.

December 2005-September 2006 - Nationwide Lending Corp in Irvine, CA Underwriter-Wholesale Department

x Manually underwrite loans, price and analyze re-finance and purchases. x Maintain high levels of customer service with brokers, account executives and management.

x Approve/deny/suspend loans based on lender guidelines such as HSBC, Countrywide, RFC, LBMC and Aurora.

x Direct, mentor and advise office personnel including lock desk, processors, funding and underwriters regarding loan decisions.

August 2005-December 2005 - Mandalay Mortgage, Irvine, CA Underwriter-Wholesale Department

x Manually underwrite loans, price and analyze re-finance and purchases. x Maintain high levels of customer service with brokers, account executives and management.

x Approve/deny/suspend loans based on lender guidelines such as HSBC, Countrywide, RFC, LBMC and Aurora.

x Maintain a monthly pipeline of 100+ loans.

January 2003-August 2005 - Long Beach Mortgage, Brea, CA Account Manager-Wholesale Department and Underwriter in Correspondent Department x Trained new underwriters and second signed loan amounts greater than $800K. x Maintain monthly pipeline of 100+ loans and daily goals of 6 loans and maintain status with broker and account executives.

x Manually review and analyze 1003, credit, title, escrow, income and appraisals. January 2002-November 2002 - Downey Savings and Loan, Newport Beach, CA Loan Processor-Funder Retail Department

x Process loan submissions, open title and escrow and analyze. x Correspond directly with branches and management. x Satisfy all outstanding conditions, order appraisals and prepare for loan funding. x Verify income, employment and credit history.

THOMAS J. WELCH, JR. Page 3

Education

2003-2007 Cal State Fullerton in Fullerton, CA

B.A. Business Administration/Finance

Skills

Microsoft Programs including Fannie Mae All Regs, Freddie Mac Guides, Word, Excel, PowerPoint, Outlook and all related internet web based programs. Loan Processing applications including Empower, Citrix, Fitech and Resnet. Interests

Basketball, Snowboarding, Coaching and Family life. References

Amy Hayes

UW Manager

Metropolitan Home Mortgage- 714-***-****

Martin Esqueda

Sales Manager

RES.NET-949-***-****

Alison Hartman

HR

Downey Savings-714-***-****

Georgi Lewis

Asset Manager

USRES-714-***-****

Mark Rocha

Manager

Long Beach Mortgage-714-***-*****

Jason Krup

Manager

Islands Restaurant-949-***-****

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