Phyllis C. Ahrens

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

Montclair, CA 91763

909-***-****

RESUME' AND STATEMENT OF QUALIFICATIONS

EXPERIENCE

Euclid Management Co 02/08 – 03/09

Customer Service / Escrow Collections

Responsible for coordinating home owner service requests in an accurate and timely manner. Assists with billing calls; service issues; general questions; automated gate systems; distribution of keys and remote transmitters; etc. Escrow Division coordinated assigned associations in owner escrow closings as well as collection activities for delinquent owners Additional Responsibility include assisting the Property Management staff with data entry, reporting and automated tracking of all business activity for the community associations

First Choice Funding Group - Ontario, CA 06/07 – 02/08

Account Executive

Contact homeowners to originate a loan product that the client qualifies and meets their immediate and future needs. Obtain and examine documentation to meet federal compliance and complete the loan package for processing. Price and submit file to processing and keep in contact with processor and borrower until loan funds.

Windsor Capital Mortgage - Riverside, CA

Sr. Processor 03/02 - 06/07

Process and fund first and secondary loan products, includes both purchases and refinance. Qualify and submit files to investors for pre-approval and conditions. Open and acquire conditions from title, escrow, appraisal and prospective borrower. Verifying accuracy of all documentation received. Submit conditions to the investor from processing through funding.

First American National Financial Group Inc, - Rancho Cucamonga, CA

Second Mortgage Underwriter- Credit Analyst / Sr. Processor 11/99 - 03/02

Review and analyze all incoming Second mortgage, HELOC'S, 125's and Home Improvement requests. Qualify and submit files to a variety of investors for pre-approval and conditioning. Process Conforming / Non Conforming / Sub Prime first mortgage refinances and seconds.

Career Connections -Affiliate of the California Credit Union League, Pomona, CA

First Financial Credit Union / Underwriter / Temporary position 04/99 - 10/99

Underwrite Conventional, Conforming/Non-Conforming/Sub-prime & HELOC Mortgage programs. Analyze and condition individual files for determination of placement for in-house portfolio or submission for purchase by investor. Follow up and submit conditions from processing through locking the rate. Insure processing procedures are done accurate and on a timely bases.

Bank of Yorba Linda - Diamond Bar, CA

Sub-Prime Underwriter 04-98 - 02/99

Underwrite Sub-prime first and second Mortgage loans by analyzing and rating borrowers' ability to pay and marketability of property. Review conditions and data to verify accuracy. Assist Brokers and Account Managers in obtaining the maximum closings in a timely manner.

Metropolitan Finance - Orange, CA

Contract Loan Processor 02/97 - 04/98

Process, submit and fund non-conforming mortgage loans. Programs include Second Trust Deed, 125's & Title One loans. Submission to a variety of investors for final approval and funding in accordance with program guideline.

AmeriNet Financial Systems - Ontario, CA

Customer Service Representative / Loan Processor 07/96 - 12/96

Responsibilities set in a Real Estate office, Building rapport with agents to utilize and market the products and services to sales force. Qualify and place potential homeowners with the best program available for client's needs. Obtain documentation, process and communicate all needed conditions to buyers and agents.

The Money Store California Inc., - Covina, CA

Assistant Branch Manager, 1993 - 1995 02/87 - 02/95

Responsible in initiating and approving loans that result in the highest possible number of closings. Provide administrative support to manager and staff. Ensured loan closings were conducted in accordance with the company policy. Audit loans for completeness and accuracy. Supervised the training of new and existing loan processors, and clerical staff.

Sr. Loan Processor/Account Manager, 1987 - 1993

Accurately prepare, record, fund and proof loan packages for the retail and wholesale products. Execute various Escrow duties such as opening title search, preparing checks, disbursing of funds, payoff requests, and recordings of payments. Maintained office supplies and upkeep of office machines.

EDUCATION / CERTIFICATIONS

Notary Public

The American School of Mortgage Banking- Tustin, CA

Processing

Citrus Community College - Glendora, CA

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