Mortgage Loan Sales/mortgage underwriter
Resume:
Paul Saldivar
*** ************ **, ** *****, FL *2259
************@*****.***
Career Summary: I have over 15 years of mortgage experience including Loan Origination and Front End Mortgage Underwriting, while maintaining high quality standards, exceeding company quota and maintaining a proven track record.
EXPERIENCE:
3/2015 – present Loandepot Foothill Ranch, CA
Remote FHA/Conventional Mortgage Underwriter/Sales
Perform analysis of assets, complex income, credit & collateral documents for loan viability for the secondary market and FNMA direct
FHA, Agency, QM and Non-QM underwriting with emphasis on Appendix Q
Designated underwriter for all multiple states with signing authority to $1M
Review of all loan documents and utilization of risk programs to identify potential fraud
Provide detailed explanation and support for loan credit and property exceptions to senior management as required per loan programs
Underwriting team top producer and assisted in the creation and implementation of best practices for the department to mitigate risk while increasing productivity
6/09-1/15 Referral Lending Simi Valley, CA
Senior Loan Officer
Utilizing interpersonal and communication skills to generate mortgage applications through
various lead sources
Collecting financial, credit and asset documentation to determine Borrowers' credit worthiness
Providing guidance on the risks and benefits on different loan programs available to the Borrower
Maintaining the highest level of sales ability and negotiation skills
Proficient with FHA, FHLMC and FNMA guidelines and the various requirements needed to
qualify
Cold calling and speaking with Borrowers' via warm leads and referrals
Providing the Borrower with the upmost customer experience
5/07 – 6/09 First Stop Financial Simi Valley, CA
Assistant Sales Branch Manager
Facilitate lending by finding potential clients and assisting them in applying for loans.
Assist AE’s in providing guidance to prospective loan applicants who have problems qualifying
for traditional loans.
Analyze whether the prospective loan meets the lending institution’s requirements.
Structure all loan programs and assist AE with pitching loan programs.
Processing loans
Proficient with FHA, FHLMC and FNMA guidelines
Knowledge of different loan products and cross selling
3/06- 05/07 ALG Capital Calabasas, CA
Senior Loan Officer
Assist Branch Manager with team production and in meeting monthly goals.
Monitor and QC auto dialer phone calls and assist AE's with meeting daily goals.
Structure all loan programs and assist AE with structuring loans in process.
Processing and underwriting loans to investor guidelines
Knowledgeable of FHA, FREDDIE MAC, FANNIE MAE guidelines
Education: 1993-1996 Pierce College, Woodland Hills- Associates Degree in Business
Skills Bilingual in Spanish, proficient in Microsoft Word, Excel, Calyx, Point, Encompass, EDGE, LUSY, DRMS, AUS and Empower
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