Real Estate Manager
Resume:
Tamika Moses
Miramar, FL **025
(Home) 954-***-****
(Cell phone) 954-***-****
**********@*****.***
Objective: To obtain a permanent position within financial industry that will allow me to utilize my acquired skills within the mortgage and real estate industry.
Professional Skills:
• FHA VA Loans
• Mortgage Servicing
• Sub Prime Underwriting
• Reviewing Financial Statements
• Jumbo/Superjumbo
• Fannie Mae Loans
• HUD-1 Settlements
• Loan-to-Value analyzing
Work Experience:
Pionear Staffing
HSSII Contractor Position Bank of America
Cypress Creek, FL 08/2010- 07/2011
Collecting and verifying all documentation including income/asset
submitted by loan customers
Calculate debt-to-income ratios to ensure loans meet investor requirements
Analyze all financial documents including personal and business tax returns
Structure delinquent loans to meet investor guidelines for approval through the Department of Treasury MHA guidelines
Signing and credit authority within limits on all MHA/HAMP program loan
applications received
Manage and process a loan pipeline of 100-175 loans on a monthly basis
Clearing all conditions on newly approved HAMP/MHA loan approvals
Facilitate changes to previously approved HAMP/MHA loan modifications
Direct contact with customers to resolve and issues or concerns in
relation to the loan application including child support, income, and state and federal tax liens
Mortgage Center of America
Branch Manager/ Junior Loan Underwriter
Miami Lakes, FL 04/200*-**-****
Managed and coached 15 loan officers and four loan processors on compliance and updated loan products.
Created and completed monthly loan quota production reports on individual loan officers
Created loan officer guides to ensure each loan application followed branch compliance guidelines
Originated mortgage loans for single family homes, and for high- rise condominium projects
Originated residential and commercial loans for potential clients
Assisted clients with the application process of 1003 forms from start of the initial loan process to the closing of the loan
Identified loan programs that potential clients qualified for
Originated Sub Prime, Alt-A, FHA, and VA loans
Established relationships with over 70 nationally known Alt-A and Sub Prime lenders
Carried out confidential inquiry to check the information provided by the loan seeker
Maintained current knowledge of market conditions and company lending guidelines
Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and various other factors
Eagle First Mortgage
Senior Loan Officer/Loan Processor
Pembroke Pines, FL 12/2005/03-2007
Managed and trained a team of 15 junior loan officers on new wholesale banking products
Oversaw monthly loan quotas were met by each individual loan officer
Originated mortgage loans for single family homes, and for high-rise condominium projects
Originated residential loans for perspective clients
Originated Sub-prime, Alt-A, FHA, and VA loans
Assisted clients with gathering materials and documents to proceed with loan applications FHA, and VA loans
Independently conduct full and comprehensive evaluations of a variety of complex, high-risk mortgage loan applications
Independently performed financial analysis on borrowers
Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and various other factors
Finance-Us Group
Loan Officer/Marketing Specialist
North Miami Beach, FL 01/2005-12/2005
Developed and designed company brochure and pre-qualification format letterhead
Established relationships with area real estate agencies to develop potential leads
Originated mortgage loans for single family homes, and for high-rise condominium projects
Assisted clients with the application process of 1003 forms from start of the initial loan process to the closing of the loan
Cleared all pre-closing conditions as stated by underwriters and verified information as well
WCI Communities Bella Mare’
Real Estate Office Assistant (contracted)
Aventura, FL 07/200*-**-****
Handled final walkthroughs and inspections for the final closings of the high-rise condo
Assisted company Vice President with all condo docs related to the closeout of new condos
Verified all sales were complete and accurate and within all condo guidelines to ensure a smooth transition to the condo association
Assisted residential appraisers with final appraisal reports
Verified and gather all documentation needed before real estate closings
Coordinated Real estate closings with various title companies including Stewart Title
Education
Florida Atlantic University 05/2002 –
BA, Communication
* Related courses
Principles of Real Estate
Real Estate Law
Microeconomics
Macroeconomics
Public Finance
Licenses
Mortgage Broker License/ 2007
Computer Skills
Calyx Point ,Microsoft Excel, Microsoft Access, Microsoft Word, Encompass, Adobe PDF, Type 50 WPM, 10 key punch, data entry, WPT Bank of America, Homebase, Homesaver ,LMA,AS400,Windows 2000-current
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