Loan Officer Management
Resume:
Joseph J. Hernandez
Long Beach, CA 90808
OBJECTIVE: To obtain freelance writing projects related to personal finance, e.g. credit, debt, loans, and money management. I have received recognition as an expert in the personal finance industry.
EMPLOYMENT HISTORY:
05/09/97 Pacific Empire Funding. Loan Officer Assistant. Assisted loan officer
to 11/30/98 with the closing of debt consolidation loans; Assembled pre packs; pre-
qualified borrowers; obtained credit reports; partially filled-out loan application;
ensured that loan officer received necessary income and asset
documentation; assisted with loan submission, and coordinated with the
processor until loan funded. Salesperson license issued 12/19/97.
12/02/98 Stardust Credit Corp. Loan Officer. Refinanced A-D paper loans; Performed
to 12/02/00 debt consolidation loans. Pre-qualified prospect ensuring that borrower met lender
guidelines. Submitted loan package to lender; Processed all conditions;
Met with client to sign loan docs; Funded loan. Broker license issued
10/30/00.
12/11/00 Nations Best Mortgage & Realty Co .Real Estate Agent and Loan Officer.
to 08/06/01 Assisted first time homebuyers with the purchase and financing of their
first home; Pre-qualified prospects, searched for suitable properties,
wrote offers, submitted loan packages, opened escrow and title, ordered
physical property inspection, received and explained all statutory
disclosures, performed final walk-thru inspection, funded loan and ensured
that escrow closed in a timely manner.
09/24/01 First Time Homebuyers Co. / RNB Mortgage. Principal. Assisted first time
to 01/02/10 homebuyers; Performed all management and marketing functions.
01/18/10 Debt Free Solutions. Debt Consulting Company. Principal. Provide clients with
to present money management and budget counseling; Perform individual debt analysis and
recommend the most suitable debt relief program or strategy to eliminate
unsecured debt.
EDUCATION:
1992-1996 B.A. Journalism. California State University, Long Beach, Long Beach, CA
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