Margaret Adedoyin Oladoja Aka: Doja (U.S Citizen)

Danville, CA

Vice-President, Business Developer, Mentor, Coach, Sr. Consultant, Work Great with client, Mortgage Underwriter, Department and Operations Executive, Real Estate and Mortgage Management. Awards:

won top producing Real Estate and Mortgage Broker awards from, Chase Bank Fargo Bank, Bank of America, California Association of Mortgage Brokers and Bankers, Country Wide, Washington Mutual Bank, World Savings Bank, Downey Savings and Loans Bank, Long Beach Mortgage, Private and Portfolio Lender - Hamilton Financial, PMI, UGMI, Secondary Market, and Investors Lenders.

• Review, analyze, approve, underwrite and Condition difficult loans within Company and Industry guidelines.

Maintain Portfolio lending quality Standards, Review Financial Statement, Tax Returns..Corporate, Personal, S Corporation and Partnership returns. Analyze Credit Report and help to establish credit for applicable ratios. Examining transaction to ensure accuracy, consistency, and completeness for Company and industry guidelines.

Pay attention to details, to check for fraud, and review file for Fennie Mae, and Freddie Mac, Investor and Portfolio Compliance. Excellent buyer and seller Negotiator and mediator between agents /clients Raise awareness and respect, dignity and honor to the culture and company's tradition / perspective. Willing to relocate: Anywhere

Willing to relocate: Anywhere

Authorized to work in the US for any employer

Work Experience

Sr. Loan Underwriter / Department Manager /Vice-President HOME MORTGAGE CENTER / H M C Realty - San Leandro, CA September 1996 to Present

NMLS#1433314 DRE#01252652

Company had 20 real estate agents and 10 loan officers handling commercial and residential. Evaluate, approved, and underwrote complex consumer loans in the Calif. Central Valley and S.F East Bay, including Piedmont, Dublin, Pleasanton, Danville, and Blackhawk.

• Served as an expert, assisting clients in understanding Mortgage and industry guidelines; resolved difficult client problems and questions; negotiated contracts.

• Coached, mentored, and trained Loan Officers and Real Estate Agents on decision-making, departmental processes, and policies; provided feedback on their conditional loan approvals.

• Executed second-level reviews on numerous loans submitted that were denied, cancelled, or involved second signatures or counteroffers.

Reviews and analyzes appropriate high-cost, APR, amount financed, state predatory test, adhering to a stringent compliance review system.

• Maintained a dynamic dialogue with bank officers and agents in evaluating and structuring transactions; followed Fannie Mae and Freddie Mac lender guidelines, plus Portfolio and Private Investors guidelines.

• Maintained relationships with clients; personally averaged 8 to 10 files per week with an estimated gross amount of $7.5 million per month; supervised up to 15 agents files per week.

• Devised winning sales presentations; trained and managed the team that ranked #1 in sales in Oakland and the East Bay for three years plus.

• Won Top Producing Mortgage Broker Awards from World Savings, Downey Savings and Loan, and Long Beach Mortgage; award from Washington Mutual.

Youth Pastoral Service Volunteer

Contra Costa County Juvenile Detention Facility - Martinez, CA October 2008 to July 2019

Contra coats county Juvenile detention - Martinez, CA October 2008 to July 2019

Contra Costa County Juvenile Detention Facility. 200 Glacier Dr. Martinez. CA Mentor, Coach, Train, Motivational Speaker, and Pastoral Services. Share the words of God. Teach, Coach, and Mentor on behavioral Management, Basketball, and Soccer coach. Teach Self - Motivation and Disciplined.

CASA YOUTH ADVOCATE. PASSIONATE ABOUT PURPOSE AND MISSION. Skills;

Retail Management, Inspires, and Motivate others, build relationships, drives for best result, team work, Diligent, Committed, and effective worker, Visionary Leadership, Innovative, Communicates Powerfully And Prolifically, Mindfulness of others and Considerate, Problem Solving, Display High Integrity and Honesty, Public Speaker, Conflict Management and Resolution, Empathetic, Emotional Intelligence, Make excellence and precise decision, set expectations, conflict and resolution Management. Reliable and Thoughtful.

Independent Mortgage Underwriter

SRS Group Temp. Agency - Walnut Creek, CA

February 1990 to June 1996

Senior Contract Underwriter with referrals from SRS Group Temp. Agency

• Clients included Bank of America, Hamilton Financial, Fremont Bank, Provident Funding, Countrywide, CMG, and Private Mortgage Insurance Companies (PMI).

• Ensured that loan submittals met internal and external eligibility requirements.

• Gained extensive experience in underwriting conventional and non-conventional portfolio lenders and Fannie Mae loans with signing authority of $1.5 million.

• Evaluated the financial strength of borrowers to determine risk and repayment capacity, loan to value ratio and Debit to value (LTV/DTV %).

• Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals; maintained compliance with lending, underwriting and government requirements.

• Followed through with borrowers, loan processors, loan originators, and managers throughout all phases of the underwriting process.

Real Estate Developer and Builder

KAUFMAN & BROAD

1986 to 1990

Loan Processor

• Analyzed loan applications and credit reports; verified employment, income, and deposit or mortgage to determine best course of action to protect company's interest.

• Analyzed properties and reviewed property values on appraiser reports. Education

Bachelor's in Business Management

Cal State East Bay - Hayward, CA

March 1990 to December 1992

Associate in Social Science

Laney College - Oakland, CA

August 1986 to December 1989

Associate in Business Administration

College of Alameda - Alameda, CA

August 1986 to December 1989

Skills

• Public Speaking, build relationships, inspires & Motivate others, team work, Visionary Leadership, Conflict Management and resolution, set expectations / goals. Mind fullness of others, respect the culture of others / of employer. (10+ years)

• Credit Analysis

• Behavior Management

• Underwriting

• Contract Negotiation

• Loan Origination

• Banking

• Loan Officer Experience

• Fair Housing Regulations

• Management

• Financial Services

• Sports Coaching

• Pricing

• Business Development

• Presentation Skills

• Account Management

• Microsoft Outlook

• Marketing

• Merchandising

• Salesforce

• Analysis Skills

• CRM Software

• Risk Management

• Tax Experience

Certifications and Licenses

Real Estate Lic #01252652 NMLS # 1433314 March 2017 to March 2021

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