Margo Hester

Independent Contractor

Salt Lake City, UT

adsvkt@r.postjobfree.com

801-***-****

I AM SEEKING A POSITION WHICH MY EXPERIENCE AND CAPABILITIES WOULD BE AN ASSET TO ANY EMPLOYER.

I am Authorized to work in the US for any employer Work Experience

MERCHANDISER

Self Employed Independent Contractor - Salt Lake City, UT June 2005 to Present

MERCHANDISING, PLAN-O-GRAMS, BUILD DISPLAYS, DO SET-UPS, RESETS, REMODELS, TEAR-DOWNS, STORE CLOSINGS, FLIP PRODUCTS, INVENTORY, REPLENISHMENT / RESTOCK, PULL STOCK, EVALUATE STORES, EMPLOYEES, PRODUCTS, WHICH INCLUDES: DEPARTMENT STORES, GROCERY STORES, RESTAURANTS, THEATERS, SHOPPING MALLS, FAST FOOD, AND CONVENIENT STORES. WRITE REPORTS AND ALL DOCUMENTATION ACCORDING TO SPECIFIC INSTRUCTIONS.

EQUITY FEDERAL

04/01 - 11/05

LOAN OFFICER: ORIGINATING, PROCESSING & CLOSING "A" THROUGH "D" & HARD MONEY LOAN APPLICATIONS. TRAINING IN NEW LOAN OFFICERS. TEACHING DIFFERENT LENDER PROGRAMS AND ON-LINE INTERNET LOAN SUBMISSIONS. GREAT CUSTOMER SERVICE, FOLLOWING UP WITH BORROWERS AFTER THEIR LOANS HAVE CLOSED. ADVISING BORROWERS ON HOW TO REPAIR THEIR CREDIT AND BRING UP THEIR FICO SCORES. MARKETING, ADVERTIZING, AND PROMOTING NEW LOAN PROGRAMS.

FIRST EQUITY FEDERAL

01/98 - 04/01

LOAN OFFICER SPECIALIZED IN LOAN ORIGINATION AND PROCESSING "A" THROUGH "D" LOAN APPLICATIONS. MAKING SURE THEY CLOSED, FUNDED, AND RECORDED. SPECIALIZING IN PROBLEM SOLVING AND CREDIT REBUILDING WITH EXCELLENT TROUBLE SHOOTING SKILLS. GREAT KNOWLEDGE OF MANY DIFFERENT LENDER PROGRAMS. ADVOCATING WITH INVERTERS FOR HARD MONEY LOANS TO SAVE BORROWERS FROM FORECLOSURES AND TRUSTEE SALES. MARKETING, ADVERTIZING, AND PROMOTING NEW LOAN PROGRAMS. DOING HARD MONEY LOANS IN 24 TO 48 HOURS TURN AROUND TIME, THEN IN 6 MONTHS TO 1 YEAR REFINANCING THESE LOANS AND PLACING THEM WITH A SUB- PRIME MORTGAGE LENDER.

ASSISTANT BRANCH MANAGER

ACADEMY MORTGAGE

April 1995 to December 1997

ANSWERING A MULTI-LINE PHONE SYSTEM, RESPONSIBLE FOR ORDERING ALL OFFICE SUPPLIES. LOAN PROCESSOR AND TROUBLE SHOOTING FHA, VA, AND CONVENTIONAL LOANS. OBTAINING THE CORRECT PAPER WORK NECESSARY TO CLOSE LOANS AGAINST DEADLINES. ADVOCATING BETWEEN BORROWERS, AGENCIES, CREDIT BUREAUS,

UNDERWRITERS, CLOSERS, TITLE COMPANIES, FUNDERS, AND LENDERS. STATE OF UTAH - SOCIAL SERVICES HEAT PROGRAM

10/94 - 04/95 10/92 - 04/93 10/91 - 04/92 10/90 - 04/91 10/89 - 04/90 WORKED FOR THE HEAT ASSISTANCE PROGRAM. RESPONSIBLE FOR HIGH LEVEL PAPER WORK TO MEET DEADLINES. FAST PACED OFFICE, HEAVY FILING, ARCHIVES, 10-KEY CALCULATION OF INCOME TO VERIFY APPLICANTS ELIGIBILITY. INTERFACED BETWEEN CLIENTS AND PUBLIC UTILITIES COMPANIES. CUSTOMER SERVICE AND PUBLIC RELATIONS, SPECIALIZING IN CLIENT COMPLAINTS. TRAINED NEW EMPLOYEES, EDITED CASES OF CO-WORKERS AND ASSISTED WITH PROPER AGENCY REFERRALS.

Mortgage Loan Processor

STREAMLINE MORTGAGE - Salt Lake City, UT

October 1989 to April 1995

SETTING UP NEW FHA AND VA STREAMLINE OFFICES, WHICH INCLUDED "FREEDOM MORTGAGE, AFFILIATED MORTGAGE, AND FIRST PROFFERED MORTGAGE". ASSISTING OFFICE MANAGERS IN TROUBLE SHOOTING LOAN APPLICATIONS AND TITLE REPORTS. RETRIEVING ALL THE CORRECT DOCUMENTATION NECESSARY TO CLOSE LOANS, INCLUDING HOMESTEAD AND DOWER STATES. CUSTOMER SERVICE AND PUBLIC RELATIONS SPECIALIST INTERFACING AND ADVOCATING BETWEEN BORROWERS, TITLE COMPANIES AND GOVERNMENT LENDING AGENCIES. THEN MANAGED A MORTGAGE SERVICING GROUP OF 14 EMPLOYEES, 4 LOAN ORIGINATES, 4 TELEMARKETERS, AND 6 PROCESSORS.

Electronic Assembler

ACME ELECTRIC - Salt Lake City, UT

April 1980 to June 1989

SOLDERING ALL DIFFERENT TYPES OF COMPONENTS TO SPECIFIED P.C. BOARD MOUNTS. ALL P.C. BOARD PREPARATIONS. COIL FINISHING AND SOLDERING OF ELECTRICAL TRANSFORMERS.

References and credentials upon request.

Education

Certified in Electronic Assembly

Salt Lake Skills Center - Salt Lake City, UT

1987

High school diploma in General Studies

GRANITE SCHOOL DISTRICT - Salt Lake City, UT

May 1984

Certified in Survival

BRIGHAM YOUNG UNIVERSITY - Provo, UT

1974

EXCELLENT COMMUNICATION SKILLS. ABLE TO INTERFACE WITH ALL LEVELS OF MANAGEMENT AND GENERAL PUBLIC. I PERFORM WELL UNDER PRESSURE AND AGAINST DEADLINES. I AM A VERY DEPENDABLE, RESPONSIBLE, PROFESSIONAL PERSON, WHO IS DETAIL ORIENTED.

SPECIAL SKILLS:

COMPUTER / OFFICE EQUIPMENT LITERATE

INTER-OFFICE DOCUMENTATION

ACCOUNTS PAYABLE & RECEIVABLE

10-KEY & DATA ENTRY

PUBLIC RELATIONS / CUSTOMER SERVICE

SOLDERING & BELT-LINE ASSEMBLY

PLAN-O-GRAMS / BUILD DISPLAYS

POWER AND HAND TOOL

GREAT PROBLEM SOLVER