Loan Officer Account Executive

Hamid Merati

**** ******* ****** ****

Woodland Hills, Ca. 91367

Cell: 650-***-****

SUMMARY OF EXPERIENCE

My sales experience includes: Management, Sales, Marketing, Processing, Consultation, Finance, Mortgage Products, Mortgage Programs and Underwriting.

My Computer experience includes: Hardware/Software development, Computer Administration, implementation, integration, tools support, and e-business applications.

Excellent communication and problem solving skills.

PROFESSIONAL EXPERIENCE

Account Executive - Senior Loan Officer Aug 2002 to Now

Extensive market research for prospective borrowers.

Consult with borrowers to select appropriate programs according to their financial situation.

Achieve high level of loans and originations consistently.

Generate loans through realtors, e-mail, mailer, associations, and professional societies.

Work with underwriters and appraisal department to resolve issues and problems.

Work with management to improve loans guidelines and underwriting.

Provide excellent and professional services to my borrowers.

Achieve high level of customer satisfaction through program knowledge, financial consulting, punctuality, personal attention, sincerity and respect.

Financial Institutions that I have worked:

Wells Fargo Private Bank Senior Loan Officer

Onyx Lending & Neat Loans Senior Loan Officer

Bank of America Account Executive/Senior Loan Officer

Loans & Services Self-Employed

Washington Mutual Senior Loan Officer

World Savings & Downey Savings Loan Officer

IBM San Jose, CA Sep 1997 to Jan 2001

Sales and Technical Consultant - Porting (AIX)

On-site IBM consultant for Netscape corporation.

Worked with Netscape and IBM Marketing and Sales to ensure on time product delivery and sales of our consultation, services and hardware.

Managed a group of IT contractors. Involved in recruiting, interviewing, hiring, assignments, and performance rating.

Acting as a liaison between Netscape and IBM management with respect to product delivery schedules.

IBM Palo Alto, CA Apr 1989 to Sep 1997

Application Developer - Software Distribution Application

Developed and Supported Software Distribution application (Netview DM and Tivoli) tools for IBM San Jose. These tools enable users to install and upgrade their machines with the variety of many software applications and operating systems. Participated in design, coding, implementation and integration.

Focal point for requirements and problem resolution. Worked very closely with IBM Boulder to resolve issues, problems and new requirements. Maintained and supported several thousand clients in IBM San Jose.

IBM Rochester, MN Jan 1983 to Apr 1989

System Development - WSC AS400

Developed diagnostic and Boot up Microcode (IPL and BATS) for Ascii Workstation Controller card for AS400 computers.

Involved in design, development, and testing.

Washtenaw Community College Instructor Jan 1980 to Dec 1982

Taught Math and Calculus in Washtenaw Community College. Duties included: teaching, seminars, lab, grading and office hours.

EDUCATION

California Mortgage Broker License, 2020

California Real Estate License, 2002

M.S. Electrical/Computer Engineering, Wayne State University, 1982

B.S. Electrical Engineering, University Of Michigan, 1980

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