Auto Parts Call Center

Stuart Rafer

**** ******** **** *** **** Largo Fl 33778 727-***-**** **********@*****.***

Short Explanation reference employment gap:

Due to ill health I had to cease working in July 2015 Several Issues: High Blood Pressure - Overweight - Blocked Bowl I was given several different types of medications which were giving me issues at the time. Since the end of last year, I have lost weight and exercise daily at the gym. My blood pressure is now normal, I was operated on for a blocked bowl and everything, health wise is in good order and normal.

Consequently, I am fit and ready to return to work for 40/60 hours a week. Please look at my resume and advise if you would like me to interview with you. Looking forward to the opportunity of meeting you. Sincerely,

Stuart Rafer

Stuart Rafer

2098 Seminole Blvd Apt 6211 Largo Fl 33778 727-***-**** **********@*****.*** Education

GCE’S 1967/1969 DAVIES LANG & DICK LONDON UK

· 5 Subjects - Equivalent to High School Diploma

· 2 A Levels Math’s & English – Equivalent to a College Degree BATCHLORS DEGREE 1972 TOTTENHAM COURT ROAD POLYTECHNIC – COLLEGE FOR TEXTILES

· Degree in Textiles 1 & 2

· Skills & Abilities

· Lending Underwriting

· Underwrite and analyze mortgage loans for lenders and mortgage insurance companies. Using FNMA/FHLMC/MI standards DU/LP guide lines

· Perform Compliance/due diligence legal file reviews on conforming and non- conforming loans.

· Perform in depth reviews of credit and approvals analyst. Co to protect lenders Conventional FNMA/FHLMC/MI subprime and mortgage loans.

· Formulate rebuttal statements to protect lenders position (Exceeding 75% in favor of lender)

· Identify portfolio risks resulting from clients underlying business practice. Underwriting and/or fraud exposure,

· Research and analyze client’s financial situation, including assessment of the market, business condition, credit status, and property evaluations. SALES

· Many years spent in the fashion world. Originally imported fabrics from various mills located in many different countries, I succeed this by becoming an agent and running a successful agency representing mills located primarily in Europe and Turkey.

· When I moved to the USA I became involved in the consolidation of Federal student loans. I eventually started my own company which I was forced to close due to new laws that came into effect, stopping third party marketing companies receiving remuneration for consolidation of Federal Loans

COMMUNICATION . Excellent communication skills both on the phone and written LEADERSHIP . I have run and managed several different companies in various fields of business. I have the experience and knowledge of how to treat other people and respectfully encourage both upper management and fellow workers in getting the job done as quickly and efficiently as possible

Page 2

Computer Skills

. Microsoft Office, (Outlook, Word, Excel, PowerPoint)- Publishing, - Acrobat. Quicken Accounting Package.

. Participated in designing the operative end of a re coloring program for fabric designers and Buyers.

, Designed the operative end, of an online E signature application, and trained 150 new users on the new operating system.

Experience

December 29th 2020 – July 24th 2021

Advance Auto Parts

Driver/Store Sales

Delivery of Auto parts to commercial accounts.

Select ordered parts from stock or outsourced from other locations. Delivered said parts to customers

Sales and service to walk-in, retail customers.

Resigned position due to low renumeration.

September 15th, 2020 – December 10th, 2020

US Pack Script LLC

Driver/Contractor

Delivery of Auto parts for Advance Auto Parts.

Resigned position due to renumeration, falling short of expectations. Running costs and milage, using own vehicle, were too high, compared to my personal compensation. March 2020 – September 2020

COVID-19 Lockdown

January 2018 – March 2020

RIDE SHARE FOR LYFT – UBER & CALL A RIDE

Stopped due to Corvid 19

Page 3

March 2016 – December 2018

Retired Traveled to Europe and Far East

March 2013 – July 2015

Bank of America (Tampa Florida) Via Aerotek & Collabera Senior Post Closing Specialist

Assist with various functions necessary to board loans to Servicing and/or sell loans on the secondary market. Responsibilities included review and correction of pertinent documents on closed loans as required by regulatory agencies and specified internal deadlines. Required effective communication with customers, title companies and/or internal partners for issues and resolution.

January 2013- February2013

Street Links Lender Solutions via Aerotek

5701 East Hillsborough Ave.

Tampa, FL 33610

Appraisal Specialist - QCA Review -Working with appraisers and clients ensuring that documentation meets compliance standards and meets with lenders/clients requests for comparable price adjustments and meets all title descriptions. Requirements were for FHA/Conventional loan specifications. Entire new group of January entrants were laid off, due to slow business. November 2009- Current 2012

JCI11& Associates, Inc. JPMorgan Chase

5701 East Hillsborough Ave.

Tampa, FL 33610

Underwrite & Analyze Mortgage Loans. For lenders and mortgage insurance Companies Using FNMA/FHLMCIMI Standards DUILP guide lines. Perform compliance/due diligence legal file reviews on conforming and Non-conforming loans. Perform in depth reviews of credit and approvals analysis. Conventional FNMA/FHLMC/MI subprime and mortgage loans. Formulate rebuttal statements to protect lenders position. (Exceeding 75% in favor of the lender). Identify portfolio risks resulting from client's underlying business practice, underwriting and /or fraud exposure. Research and analyze client's financial situation, including assessment of the market, business conditions, credit status, and property evaluations

Page 4

January 2009- October 2009

Commercial Gas & Electric Group

LLC Ragan Energy

Consultant for various controls and management tools. Helped with the daily running of the company compiling sales figures, tracking outstanding sales commissions/fees Prepared salaries/commissions and was responsible for the hiring, training, of all personal. Initiated a successful affiliate program, still running under Ragan Energy. February 2007- November 2008

Direct Student Loans LLC

Small third party marketing company consolidating Student Loans Owner/Partner

Responsibilities were Sales Marketing, Leads, and Telemarketing Employee's, Salaries/Commissions, negotiated with Banks & Servicers in order to obtain the best price for completed Student loan documentation. Ready to be added to their portfolios. September 2005 - Jan11ary 2007

Student Funding Services

Instrumental in introducing an online signature application that was fully approved by the government program including our Lenders, banks, and servicers The company's business increased two fold with me earning in excess of 130 k due to commissions and bonus incentives.

Implemented a 48 seat call center working 2 shifts am/pm September 2004 -September 2005

Family Institute of Student Lending Inc. (FISL/FAFS) Senior Closer.

I headed up a specialized team in the closing department and went on to work closely with the Various p rocessing departments dealing with both technical problems and customers special issues.

Contact this candidate