Jeff Twomey

479-***-****

adzbtt@r.postjobfree.com

NMLS # 1761817

Qualifications

Extensive experience in MORTGAGE FINANCING, and real estate

Owned and operated construction company – built 30 homes

Extensive management and self-management experience

Advanced communications and customer service skills

Organized, reliable, personable, and motivated

Real Estate Sales License #SA00090638 - NMLS #1761817

NCREA – Certified National Commercial Real Estate Advisor

Certified Mortgage Field Service Inspector

Work History

01/2022 to 01/2023

EXP Realty – Realtor - 50% Owner Sentinel Properties

1202 McClain Road #130

Bentonville, AR 72712

Marketing residential and commercial properties for sale

6/2020 to 01/2022

Global Mortgage – MORTGAGE Loan Agent

Analyze personal and business tax returns, financial statements, real estate schedules, recurring, non- recurring debt, income to determine a client’s qualifications for ability to service debt of MORTGAGE LOAN. Review files for completeness, compliance to identify inaccurate or missing documentation. Communicate directly with each client to correct or obtain necessary information prior to submission. Achieved TOP PRODUCER.

9/24/2018 to 5/15/20

First National Bank – Fort Collins, CO – MORTGAGE Loan Officer

Analyze personal and business tax returns, financial statements, real estate schedules, recurring, non- recurring debt, income to determine a client’s qualifications for ability to service debt of MORTGAGE LOAN. Review files for completeness, compliance to identify inaccurate or missing documentation. Communicate directly with each client to correct or obtain necessary information prior to submission. Achieved TOP PRODUCER. Moved to Arkansas.

11/2008 to 8/2018

Global Mortgage – MORTGAGE Loan Agent

Analyze personal and business tax returns, financial statements, real estate schedules, recurring, non- recurring debt, income to determine a client’s qualifications for ability to service debt of MORTGAGE LOAN. Review files for completeness, compliance to identify inaccurate or missing documentation. Communicate directly with each client to correct or obtain necessary information prior to submission. Achieved TOP PRODUCER.

3/2016 to 8/2018

Child Protective Services – Clerk /Legal Department/Nursing Department

Received and processed all legal court documentation relating to the original detainment and subsequent protective measures determined to be necessary by the courts for a child’s best welfare and protection. Worked with Foster Parents in gathering documentation required to keep all medical files in compliance with the state.

1/2011 to 3/2015

Yokayo Biofuels – New Accounts/Contract Manager

Oil collection & new accounts contract manager. • Responsible for acquiring new feed stock accounts for diesel fuel production. • Negotiated purchasing prices & service agreements for all new accounts. • Increased feed stock production by 200%. • Signed the largest new oil collection account in Northern California for 2013. • Achieved top contract procurement agent in 2014 & 2015.

9/2007 to 2/2008

Washington Mutual – MORTGAGE Loan Agent

Analyze personal and business tax returns, financial statements, real estate schedules, recurring, non- recurring debt, income to determine a client’s qualifications for ability to service debt of MORTGAGE LOAN. Review files for completeness, compliance to identify inaccurate or missing documentation. Communicate directly with each client to correct or obtain necessary information prior to submission. Laid off.

1998 to 2007

MortgageNet 2000 – MORTGAGE Loan Agent / Realtor

Transacted multiple real estate purchases. Analyzed personal and business tax returns, financial statements, real estate schedules. Analyzed recurring, non-recurring debt and income to determine a client’s qualifications and ability to service debt. Reviewed all files for completeness and compliance to identify inaccurate or missing documentation. Communicated directly with each client to correct or obtain necessary information prior to submission. Achieved top producer from 2000 through 2007.

1993 to 1998

Bank of America – MORTGAGE Loan Agent

Achieved top producer in the state every year. Funded more loans in one month than any branch in the history of B of A. Innovated and advanced underwriting policies. Analyzed personal and business tax returns, financial statements, real estate schedules. Analyzed recurring, non- recurring debt and income to determine a client’s qualifications and ability to service debt. Reviewed all files for completeness and compliance to identify inaccurate or missing documentation. Communicate directly with each client to correct or obtain necessary information prior to submission. Achieved top producer every year.

1982 to 1993

American Savings Bank – MORTGAGE Loan Agent – DIRECTOR of Appraisal Dept

Achieved top loan producer for all seven years / Northern California Regional Appraisal Manager. Managed and trained all staff appraisers. Was responsible for terminating employment if necessary. Developed short form appraisal that was implemented as a system tool in numerous banking systems. Reviewed all appraisals prior to final submission. Achieved top producer for 1989 through 1993.

1/1987 to 1/1990

FTJ Construction – Owner / Partner

Selected all locations for development and sales. Selected housing designs. Marketed and sold all properties. Selling prices ranged from $240,000.00 to $750,000.00.

Education

Stanford University – Appraising Real Estate 1 & 2

All state required courses to obtain and maintain real estate sales license / Real Estate Law, Business Ethics, Financing, Title & Escrow. All required courses and experience to obtain a level 4 real estate appraiser designation from MAI Institute.

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