Michael Ejercito

**** ********* *** **** *****, CA 90810

ad1reu@r.postjobfree.com

562-***-****

OBJECTIVE

Seeking a position where I will be challenged with the opportunity to utilize my skills to my fullest capacity and professionally grow within the Company. SKILLSs

• Accounting

• Data entry

• Typing 60 wpm

• 10-key 60 kpm

• APR calculation

• Microsoft Excel

• QuickBooks

CAREER HISTORY

June 2021- June 2023, First Republic Bank, Client Service Coordinator As a client service coordinator, I worked with clients, escrow companies, and realtors to process mortgage loan applications

• sent pre-applications to pre-clients using proprietary software

• prepared prequal worksheets summarizing clients' and pre-clients' income, credit, and assets for the relationship managers to review.

• maintained collections of income, credit, and asset documentation.

• Maintained collections of real estate purchase contracts and addenda, escrow instructions, escrow amendments, flood certificates, estimated settlement statements, and preliminary title reports

• sent e-mails to clients, escrow companies, and realtors to request items needed for underwriting teams to examine the creditworthiness of our clients.

• Worked with clients and insurance agents to obtain necessary hazard insurance

• Prepared submissions for various down payment assistance programs such as LIPA, CalHome, WISH, DAISY, and the Mortgage Credit Certificate which included the requesting, reviewing and compiling of required documentation.

May 2020-June 2021, SunWest Mortgage, Insuring Assistant As an insuring assistant, I was responsible for various tasks related to loans.

• Downloaded MIN verifications from the MERS web site and uploaded them into the company's loan database.

• Uploaded copies of signed and certified notes into the loan database.

• Updated the company's loan database to reflect the shipping date of important loan documents. October 2018-January 2019, Newport Beach Tax and Business Service, Administrative Assistant As an administrative assistant, I was responsible for various administrative tasks.

• Answered telephones.

• Took messages

• Scanned documents for storage on hard drives for easier access.

• Reorganized all client files on the company’s computer systems for easier access. May 2018-August 2018, Document Support Specialist, ServiceLink via SetPoint Consultants As a document support specialist, I generated and handled loan medication documents.

• Prepared documents for use by borrowers.

• Prepared shipping labels.

• Used Closing Stream to generate loan modification documents for clients. Jan 2018, Call Center Associate, Network Capital Funding Corporation As a call center associate, I made outbound calls to find clients to talk with the mortgage bankers.

• Learned how to operate the auto-dialing system.

• Practiced scripts to get clients interested in speaking with mortgage lenders.

• Marked each call appropriately using the auto-dialer system. Aug 2016- Mar 2017, Loan Consultant Coordinator, Luther Burbank Savings As a loan consultant coordinator, I managed a daily pipeline of loans and prioritized loans based on their stage in the process from negotiation to funding.

• Worked with 3rd parties such as escrow officers and real estate agents to obtain documentation and other items, such as tax returns, bank statements, and title reports, that are necessary for an underwriting decision and for funding.

• Reviewed the documentation to make sure the clients qualify for the loan programs.

• Input vital information, using the encompass system, such an income and asset balances for each transaction into a customized loan processing system.

• Requested insurance quotes and evidence of insurance from escrow officers, providing the appropriate loss payee.

• Obtained rate quotes using online systems, providing the pricing to loan officers so that they provide their clients with information needed to make an informed decision.

• Requested rate lock extensions, examining circumstances on whether the extension should be paid by the lender or borrower.

• Prepared submissions for various down payment assistance programs such as LIPA, CalHome, WISH, DAISY, and the Mortgage Credit Certificate which included the requesting, reviewing and compiling of required documentation. Oct 2012 – Aug 2016 Loan Processor, 21st Century Home Loan As a loan processor, I managed a daily pipeline and prioritized files based on their stage in the process from origination to funding.

Communicated with 3rd parties such as escrow officer, title officer, underwriter’s and real estate agents to request conditions listed on loan approvals.

Requested Verifications from employers and landlords and requested HOA certifications for Condominium Project Approvals.

Ordered Loss Payee Insurance declarations for lenders and reviewed conditions received from clients and kept them updated on status.

Submitted loans to various investors including FNMA, FHA, HELOC, and Portfolio lenders. Submission required an in depth knowledge of their LOS systems as well as each lender’s or programs guidelines.

Interfaced with FNMA DU system to receive “approve eligible” and with HUD to request FHA Case ID #’s and manage FHA appraisals.

Prepared submissions for various down payment assistance programs such as LIPA, Cal Home, WISH, Daisy, and MCC Tax credit which included the requesting, reviewing and compiling of needed documentation from borrowers, escrow and agents Jan 2012- Jan 2013 Tax Preparer, Liberty Tax Service As a tax preparer, I prepared tax returns for clients.

Met with clients to review their tax information such as W-2’s, 1099’s, and household information.

Input his information on a customized tax preparation program to prepare the clients’ tax returns. Dec 2009 – Mar 2010 Legal Secretary/Webmaster/ Bookkeeper, Law Office of John Hill and Associates

As a legal secretary, I maintained and managed the office web site and computer hardware, working with our service providers.

I also maintained the law books and did legal research (including looking up relevant legal codes), answered telephones, set appointments, and billed clients.

I created the content for the firm’s web site

Assisted in a child custody appeal.

Apr 2009 – Jun 2010 Life and Health Agent, World Financial Group

Met with clients, advising them about finance, answered questions about insurance policies.

Kept records of policies and riders

Sep 2007 – Jun 2008 Real Estate Agent, Century 21 Beachside As a real estate agent, I

Procured listings and clients

Maintained records

Assisted buyers and sellers with real estate transactions. May 2007 – Jun 2007 Real Estate Agent, American Team Properties As a real estate agent, I

Procured listings and clients

Maintained records

Assisted buyers and sellers with real estate transactions. Sep 2004 – Apr 2007 Real Estate Lender, PromiseLand Mortgage As a real estate lender, I procured real estate loans.

Secured new business by cold calling clients and leaving fliers

Set appointments to meet with clients.

Maintained loan records.

Reviewed wholesale pricing sheets to be able to advise my clients on the best products for their needs.

May 2000 – Nov 2003 Accounts Receivable Clerk, Fine Quality Metal Finishing As an accounts receivable clerk, I kept track of bills, invoices and payments.

Typed bills and ensured accurate payments using QuickBooks while providing excellent customer service with billing inquiries, keeping in touch with customers on outstanding bills.

Recorded and received payments, kept records, generating daily and monthly sales reports, and answered multiple phone lines.

Recorded up to ninety thousand dollars in sales per month. EDUCATION

California State University, Long Beach Finance, Bachelor of Science (1999)

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