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Resume

Location:
FL, 32766
Posted:
September 28, 2008

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Resume:

PROFESSIONAL EXPERIENCE

**/** - *** ******* ***** LLC Altamonte Springs, Florida

**/** ******** *********** / ****** Manager

• Coordinate closings in Florida and New Jersey regions to ensure a smooth closing experience for all borrowers

• Responsible for Business Development and Marketing of Title Insurance services

• Closings include, but are not limited to residential/commercial loans, Standard Buyer/Seller transactions, refinances, HELOCs etc.

• Obtain all due diligence including but not limited to: title work, survey, estoppels, payoff letters, inspections, etc.

• Preparation and drafting of title commitments and policies; drafting of various documents including, but not limited to: loan documentation, Warranty Deeds, Affidavits, Settlement Statements, etc.

• Responsible for the review of various recorded instruments, research and resolution/ clearance of title objections and other matters arising in title

• Monitoring of critical dates and coordinating of closings with Lenders, Borrowers, Sellers, etc.

• Extensive contact with buyers, sellers, realtors, lenders and attorneys

Performance of post-closing services including disbursements, recordings, title policy issuance, etc

08/04 – M & C Financial Services Inc. Altamonte Springs, Florida

08/07 Senior Consultant/President

• Pre-qualify and place customers on work-out plans such as reinstatements, payoffs, modifications, payment plans, and short sales

• Other responsibilities include modification or short sale negotiation, analysis, and processing.

• Correspond with customers, brokers, title companies and attorneys in order to facilitate delinquency and problem resolution through contact attempt, consultation, and research

• Information gathering, documentation analysis, and file preparation/maintenance

• Responsible for problem-resolution on client files in foreclosure and loss mitigation with regard to customer issues in negotiating, collecting, and posting of funds and customer service issues

• Responsible for cultivating professional relationships with Realtors, Financial Planners, CPAs, Attorneys, Title Companies and Lenders in order to generate business and mortgage loan volume

• Responsible for the overseeing of underwriting and processing of all mortgage loans generated including but not limited to collecting all due diligence and investor requirements and underwriting conditions, ordering appraisals, pest inspections, title work, verification of mortgage/rent, verification of employment, coordinating closings, etc.; pulling credit reports, analyzing of credit packages verses loan products and client needs

• Experienced in all types of residential mortgage products including but not limited to Jumbo, Sub-Prime and ARM

• Small Commercial loan origination including: Multifamily Apartments, Assisted Living Facilities, Gas Stations (Flagged/Non-flagged), Strip Malls and Non-Flagged Hotels/Motels

• Providing ancillary insurance products such as Health, Life and Annuities to existing Borrower/ Client Base

12/03 – Ocwen Federal Bank Orlando, Florida

7/04 Veteran Affairs REO Sales Manager

• Asset Management: responsible for the management of VA REO asset portfolio consisting of over 350 properties, including property preservation, marketing and disposition of 1-4 family residential and small commercial REO assets

• Analyze, review and revise recommended sales strategies

• Creating budgets and viable business plans for VA REO assets utilizing appraisals and BPO’s that will maximize returns for investors

• Directing the actions of over 150 Real Estate Brokers in property management activities and coordinating with eviction departments and attorneys.

• Overseeing daily functions of assigned pre-marketing analysts with the transfer of assets to marketing

• Oversee all aspects of management of assigned REO assets, including but not limited to overall maintenance and general appearance, operating and capital expenditures

• Provide management with complete analysis and make recommendations with regards to the sale

or disposition of the asset

• Responsible for timeline and expense management of the REO redemption process post foreclosure sale through alternative approaches to obtaining property vacancy or assisting borrowers with the redemption process

• Responsible for timeline and expense management of the REO eviction process through alternative approaches to obtaining property vacancy, such as, Cash for Keys in lieu of eviction and assigned REO vendor expense

• Responsible for the REO property valuation approval process for in-house portfolios and managing the valuation exceptions that fall outside of established delegation of authority of the REO vendor network

• Lease maintenance and negotiations on small commercial assets

• Responsible for REO timeline and cost expectations for the marketing, listing and contract offer approval process for asset portfolio

• Responsible for REO timeline and cost expectations of the final closing and liquidation process

• Manage the daily business relationships with assigned REO vendors

7/00 - Firm Foundation Mortgage Company Altamonte Springs, Florida

12/03 Principal Broker / Manager (Dec. 2001- Dec. 2003)

• Responsible for the implementation of new and innovative origination, processing and customer service procedures, as well as supervision and training of Loan Officers and Processors in the use of software, closing procedures, compiling complete packages, gathering of documentation, troubleshooting, problem-solving, etc.

• Assisted in coordinating the secondary market process and operations workflow for the successful sale and delivery of loans.

• Responsible for cultivating professional relationships with Realtors, Builders, Attorneys, Title Companies and Lenders in order to generate business and loan volume

• Responsible for initial intake of loan applications and for obtaining necessary client information pertinent to processing of the loan; serve as liaison between Buyers, Sellers, Realtors and Lenders and assist in facilitation of closing process

• Responsible for the overseeing of underwriting and processing of all mortgage loans generated including but not limited to FHA, VA and conventional mortgage loans

• Responsible for the maintenance of diplomacy in the workplace, accuracy in information distributed abroad and in the ethical and moral compliance of all due diligence given and obtained from all sources

• Responsible for performing in-depth analysis and research on prospective investment property acquisitions, including without limitation, managing the renovation repairs, negotiating contracts with Brokers, and timely disposition of properties at the highest profit margin

• Maintaining overall production and compliance and familiarity with RESPA, FHA and HUD guidelines

Loan Originator (July 2000 –Dec. 2001)

• Responsible for cultivating professional relationships with Realtors, Builders, Attorneys, Title Companies and Lenders in order to generate business and loan volume

• Responsible for initial intake of loan applications and for obtaining necessary client information pertinent to processing of the loan; serve as liaison between Buyers, Sellers, Realtors and Lenders and assist in facilitation of closing process

• Responsible for pipeline management and rate sheet preparation

• Responsible for secondary marketing activities including communicating with investors, our sales team, and various other internal teams.

9/99 - 6/00 Stockton Turner and Associates Maitland, FL

Loan Originator

• Responsible for cultivating professional relationships with Realtors, Builders, Attorneys, Title Companies and Lenders in order to generate business and loan volume

• Responsible for initial intake of loan applications and for obtaining necessary client information pertinent to processing of the loan; serve as liaison between Buyers, Sellers, Realtors and Lenders and assist in facilitation of closing process

12/94 – 8/99 Money Plan International Tampa, Florida

Licensed Sales Representative

• Sale and administration of supplemental retirement investments for employees of Florida Education System

• Initiation of strategic advertisement to the general public regarding insurance, annuities and estate planning needs

• Sale and administration of ancillary life, short-term/long-term disability, accidental death and dismemberment, cancer insurance products through Sec 125 programs established with not-for-profit organizations

10/90 -12/94 Industrial Bank of Japan New York, New York

Settlement/ Money Desk Operator

• Assisted Money Market Traders with the settlement and balancing of The Industrial Bank of Japan New York Division and the IBJ Trust Company accounts

• Bank reconciliation of both branch accounts

• Provided support to both trading floor and money transfer departments with the efficient electronic transfer and receipt of overnight federal funds transactions

• Responsible for the providing of computer software training assistance to new employees

EDUCATION

* Bernard M. Baruch College (City University of N.Y.) New York, New York

BBA- Bachelor of Business Administration – Finance

* Winter Park Community College Winter Park, Florida

Licensure- 218 Annuities, Life & Health Insurance

* CCIM Institute Chicago, Illonios

CCIM Designation ( currently enrolled)

LICENSES

* 218 Annuities, Life & Health Insurance - State of Florida

* Florida Notary Public

* Florida Mortgage Broker

COMPUTER SKILLS

Proficient in the following: entire MicroSoft Office Suite: MicroSoft Outlook, Word,

Excel, Access, Powerpoint; QuickBooks, MRI, Lotus 1-2-3, Calyx, Desktop

Underwriter, loan prospector and many others



Contact this candidate