Customer Service Sales Consultant

JASON A. RAMOS

**** *. ****** **, *******, AZ ***95 602-***-**** *********@*****.***

PROFILE

Well-qualified and results driven individual with over 10 Years of successful mortgage experience in a position of increasing responsibilities and duties. I am a top-performer with a track record of consistently meeting or exceeding goals as well as client expectations. Highly Skilled at educating clients and recommending the best options to meet their needs, while displaying the highest quality of service and expertise in their mortgage banking experience. I am success driven person with the long-term goal to become a high-level banking official. SUMMARY OF EDUCATION

1994-1996 School of Business Finance at Kansas State University, Manhattan, Ks Kansas University, Lawrence, Ks

QUALIFICATIONS

· Studied Business Finance, accompanied by 15 years’ experience in the field of Mortgage Banking

· Understanding of mortgage underwriting guidelines and policies/Management and Leadership Role Experience

· Reliable team member with strong work ethic. Shows consistency in excelling performance goals and works well in pressure situations

· Excellent Negotiation, Risk Assessment and Communication Skills

· Expert in the filed of Mortgage Lending and Servicing, including experience in Loan Originations, Loan Processing and Underwriting. Refinances, purchases, document prep, subordination experience with automated underwriting systems such as L.P., D.O, G.U.S, D.U. Encompass

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EXPERIENCE

9/2020-7/20 Conventional Underwriter, Paramount Residential Mortgage Group, Inc.

· Review loan files for income, collateral, and creditworthiness based on Program and product specifications

· Ability to Maintain or exceed production and quality requirements on a monthly basis

· Maintain expert knowledge of corporate, investor and regulatory guidelines

· Expert experience with Encompass and/or another paperless doc system

· Ability to review current appraisals, trusts, and power of attorneys 3/2020-8/2020 Client Underwriting Specialist, Contemporary Staffing Sol.

· Meet/exceed productivity, quality, and overall employee operational team contribution expectations (I.e, flexibility, teamwork, Attendance, attitude, support.)

· Proficiency with AUS (DU &LP, Etc.)

1/2018-3/2020 Business Sales Consultant, GoDaddy Inc.

· Ability to become a subject matter expert on effective small business websites

· Problem solver, seeking ways to say ‘yes’ and find creative solutions to roadblocks 7/2015-10/2017 Consumer Loan Underwriter, Amerifirst Financial, Inc

· Evaluate government and Conventional mortgage loan applications

· Clear concise and appropriate conditioning of loans when rendering decisions

· Mentor processing staff on underwriting deficiencies and calculations errors

· Perform accurate analysis of loan files and effectively transmit underwriting decision to production/processing staff both orally and in writing

· Minimum of one-year experience in underwriting first and/or second mortgage. Thorough knowledge of complex personal and business financial analysis Ability to provide outstanding customer service in a fast-paced environment 7/2014-7/2015 Consumer Loan Asset Processor III/Jr. Loan Underwriter, BBVA Compass Bank

· Confirms accuracy of all income, indebtedness, ratios, loan-to-value and any other calculations necessary in determining final decision

· Review loans for risk analysis and compliance with agency and investor guidelines. Evaluates acceptability of loan to corporations that buy real estate loans on secondary mortgage markets, where existing mortgages are bought and sold by investors.

9/2011-7/2014 Consumer Loan Underwriter, Wells Fargo

· Prepare and analyze business/personal financial spreads, cash flows and collateral support for, identification/mitigation of risks. Ability to meet deadlines and work under pressure.

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