Richard A. Castañeda Page * of *

Cell 626-***-**** 1021 Eclipse Way West Covina, CA 91792 adyv4y@r.postjobfree.com

CAREER OBJECTIVE

Interested in obtaining a position as a Risk Analyst, result-focused, quality-driven professional with several years of hands on experience in risk analysis, credit control, fraud, prevention, collection and customer service, able to identify potential risks, threatening corporations, public, private and organizations, always demonstrating consistent achievement of objectives, strong multi-tasking and service skills and dedication to organizational goals, advance presentation and relationship development abilities, with track record of success improving customer relations to ensure profit turnarounds

Risk Analyst Qualifications

Excellent knowledge, work experience of financial services & industry

Strong knowledge of bank regulations, financial analysis

Excellent analytical, time-management, and problem-solving skills

Experienced in researching, retrieving, and organizing business data and preparing reports

Superb written and oral communication, and interpersonal skills

Accomplishments

Cleared other negotiators pipeline, was successful in completing 100% of individuals pipeline

Was promoted to sales manager in little over a month, assisted 3 counselors with their average sales

Recognized and received 100% customer satisfaction, was named on Wells Fargo newsletter for the accomplishment

Ranked top of training class, ranking in the top 15% of the company’s through their metrics

Personality and Attitude

Professional, responsible, dedicated to the job

Dedicate to produce the highest quality of work

Communicative, hardworking, multi-tasking skills

Able to handle pressure, work alone or in a group

Computer Skills, Work Abilities, Office Equipment Skills

MS Office, Adobe, Calyx

Web Design, E. Commerce

Social Marketing, Social Branding

Scanner, Fax, Copier, Multi-phone line

Professional Work Experience

11/19 to 11/21

(Pandemic)

Federal Loan Consolidation Center West Covina, CA 08/16 to 010/19 Consolidation Specialist

Review, open, close loans, adherence of various loan guidelines and options

Establish new website, attract new traffic, successfully increased 300% overall with just the website alone

Train, direct new hires, team members on policies, programs and product guidelines

Update myself w/new guidelines, expand criteria, reach out to a bigger prospective of customers

Establish web-based, marketing platform, using free social networking websites, keep advertising costs to a minimum

Complete risk assessment on new customers to work out payment options

Realty World First Choice Brea, CA 08/14 to 01/16 Transaction Coordinator

Open escrow, provide escrow officers w/necessary information to begin the process of managing the files

Ensure receipt of deposited money and delivery to escrow

Provide cooperating agents necessary disclosures required by law, work closely w/real estate agents ensure compliance

Coordinate w/sellers to order disclosures and reports, termite inspections & home warranties as needed

Work w/buyers, schedule home inspections, assist w/fulfilling forms to ensure funding requirements are met

Maintain all files, ensure mandatory disclosures were completed and sent to necessary parties

Check forms for initials, signatures, dates before disclosures as complete and place in to stack order in the file

Follow up to ensure documents are complete, provide consistent report, ensure smooth and efficient management

Monitor and assess progress of sales, purchases to make sure deadlines are met and contingencies are released

Provide preliminary audits of all files for broker and owner to review

Assist escrow officers, in order to meet file’s closing deadline, include packaging and overseeing delivery of documents

Coordinate w/agents, ensure files are complete, communicate w/clients for submittal of required documents and funds, fulfilling the lender requirements and requests for documentation

Resume: Richard A. Castañeda Page 2 of 3

Student Loan Relief Group Santa Ana, CA 02/14 to 08/14 Consolidation Specialists

Follow established departmental processes and procedures, ensure compliance to federal regulations

Review complex income documentation such as personal and business tax returns

Made outbound calls, follow-up on applications, ensure application errors, delays were resolved

Track application progress accurately, provide accurate, clear documentation of any course of action taken

Provide understanding and process, maintain the customers level of expectation

Prioritized deals, in order to minimize turnaround time, qualify new customers for income based programs

Assess new customers current financial situation to qualify payment reductions and loan forgiveness

Answer inbound calls, provide information on student loan consolidation and enrolled them into new repayment plans

Provide professional, knowledgeable assistance, communicate to customers and internal departments

Assist new hires with customers intake, policy & procedures, update new changes to servicer guidelines as well as Federal Guidelines

Lexington home Loans Irvine, CA 02/13 to 01/14 Loan Support Specialist

Determine qualifying income for the most complex applicants, including self-employed borrowers (All Tax Returns)

Verify supporting documentation for applicant, restrict loans recommended for denial & present counter offer

Apply investor compliance, regulatory guidelines, while pricing out more complex loan transactions

Analyze employment, credit strengths, property characteristics & information to credit decision process application

Inform borrowers & related parties of loan options & parameters & other requirements needed to close the loan

I rendered approval/decline decisions on incoming applications consistent with internal and insurer policies

Review documentation for compliance with internal & regulatory guidelines

Reviewed and cleared conditions based on investor guidelines within the designated time frames

Demonstrated and provided strong customer service skills, professionalism, integrity, ethics and morals

Negotiated loan terms (When applicable), in order to satisfy the interests of the broker, the client and the investor

Time Warner Cable City of Industry, CA 09/12 to 01/13 Direct Sales Representative

Responsible for meeting established sales targets across company product lines

Complete weekly sales of 15+ units, sold exceeding weekly quota of 10 explain benefits of double & triple play packages

Conduct door-to-door sales of broadband services, follow departmental policies, compliance w/OSHA & NEC standards

Work special events & other venues, talk to customers about Time Warner services, obtain & retain more customers

Set up sales booths, conduct presentations for customers to attract extra sales

Compile daily reports of sales contacts, presentations, objections, sales & other information required by Time Warner Cable

Hand out Time Warner flyers & brochures to customers, property managers, condominium complexes and business

Responsible for apprising supervisor of competitive activity in territory

Completed grassroots marketing to property managers, to turn new and existing tenants into new Time Warner customers

Real Creative Consulting West Covina, CA 09/11 to 01/13 Senior Modification Consultant

Reviewed opened, & closed loans for adherence of various loan guidelines and options

Create new website, provide training, direction to new hires & team members on policies, programs & product guidelines

Update new qualifying guidelines, expand criteria to reach out to a bigger prospective of customers

Establish web-based marketing platform, reach out to customers using free social networking websites

Understand the law of averages, look and sign 10 new customers in a month, speak w/at least 200 potential customers

Maintain a 100% modification ratio, assess a customer’s eligibility, work the financials, prepare submission package

Underwrite file for quality assurance, submit modification package to lender and finally obtain the modification

Skilled in conventional & government guidelines, fraud prevention procedures, servicing, processing and underwriting

Platinum Law Group San Dimas, CA 01/11 to 08/11 Senior Modification Counselor

Take incoming sales calls, prequalify the calls over the phone, schedule appointment, sign agreements by email

Work w/customers on educating them on services for their situation, debt settlement, loan modification or bankruptcy

Work w/lenders to qualify customers, check financials, negotiate programs, based on guidelines & program qualifications

Lead office sales on 2nd week on the job, assist new hires, train, update new changes to lender & government guidelines

Provide knowledge of processing, underwriting and closing procedures

Close sales over the phone w/honesty about products & chances, highly ethical when it come to letting the customer know

if we can or cannot assist them

Resume: Richard A. Castañeda Page 3 of 3

M.R.S. Santa Ana, CA 06/10 to 12/10 Negotiator/Sales Manager

Negotiate w/lenders & servicers to accommodate workable solutions for customers needing assistance w/modifications

Provide federal lending regulation skills, govern real-estate lending

Clear out other negotiators pipeline & successful & complete 100% of clients pipeline

Promoted to sales manager in a month, immediately take sales to an extra 500 to 1500 a week

Assist counselors w/sales, take calls from prospective customers, pre-qualify customer

Gather necessary documentation to determine if customer was eligible for modification and if they can afford it

Take weekly reports of sales, compare to call volume, received and provide results to appropriate individual

Train existing new counselors on do’s & don’ts of modifications of what banks are looking for & accepting to qualify

Manage a heavy pipeline of 50 plus loans, provide modification offered by Government, Banks, HAMP, MHA or MAP

traditional, non-traditional also

Wells Fargo Bank El Monte, CA 02/10 to 12/10 Phone Banker

Answer 80 to 200 calls daily, assist customers w/various account problems, balance, and provide research of their account

Exceed company’s quota every month, handle customer service calls and answer new leads transferred

Assess customers account, determine any products, Wells Fargo can provide to make customers relationship get better

Lead team immediately in highest sales reached, received 100% customer satisfaction

Was named in Wells Fargo newsletter regarding accomplishment, ranked top 15 % in my training class

Shippey Law P.C. Anaheim, CA 02/09 to 01/10 Loan Modification Department Manager

Consult w/attorney to review certain loan documentation for forensic auditing

Meet potential customers, pre-qualify them for loan modification, conduct presentations for customers

Manage entire mortgage department to ensure quality of work & customer service is met

Process loan file modification, negotiate & arbitrated terms w/lenders ensuring agreement for customers & investor

Handle overflow of customers, successfully negotiated modification of terms

Market & advertise for the law firm, bring in new business and collect fees due on contracts

Executive Mortgage Group Covina, CA 06/05 to 02/09 Mortgage Banker

Price out, calculate interest rate, terms, fees, etc, without using encompass or point

Meet with investors, talk about new products & pricing, assist colleagues with difficult loans and pricing

Handle new accounts, quality control on new loan packages, coordinate loan documents

Provide escrows closing instructions ensuring accurate figures, handle conditions on approvals, obtain loan documents

Work with realtors and banks to find niche products for hard to qualify customers

Loan Proz Inc. Santa Fe Springs, CA 01/06 to 01/07 Account/Floor Manager

Proof read loan documentation to insure proper loan terms, loan documentation and preparation

Raise monthly revenue to over 2 million in loans, manage a team of 6 employees

Train new hires on investor products & proper phone etiquette to open & close new loans

Handle customer service questions, perform quality control on loan packages being sent to investors for approval

Education & Training

Mt. San Antonio College Walnut, CA

General Education, Sports Law & Sports Management & Sports Medicine, Real Estate Law & Real Estate Principals & Practice

Workman High School City of Industry, CA

High School Diploma

Interest & Hobbies

Fitness, Gaming, Graphic Design, Golf, Music, Sports and Family

Contact this candidate