EXPERIENCE **/**/****-**/**/**** Texas Mortgage Capital San Antonio, TX Mortgage Loan Originator/Safe Act Disclosure Assists consumers who are seeking mortgage loans, Residential and Commercial purchasing, refinancing a home, or owner finance transactions staying with-in compliance on assisting the Lender to determine the proper disclosures, receiving a complete loan application (1003) and gathering the necessary paperwork, including pay stubs, tax returns and bank statements from the borrowers to begin the loan process. I run a credit report which is obtained for review. During the loan process, I communicate with the Lender, Title Company, Escrow Officer, Attorneys and Real Estate Agents. Obtaining Sales Contract, Tax Certs, Title Commitment, Insurance or any Promissory Notes if required. Produce compliant GFE and TIL. Produce and Obtain Buyers signature on all mandated disclosures. Order and review title commitment (HUD-1) Maintain Transactions records for State Audit purposes. 11/02/2011-02/02/2011 Peyton Resource/USAA (1yr Contract) San Antonio, TX Client Services Processor Responsible for regularly supporting all processors, Seniors and Managers for the Mortgage Department on Home Loans, Refinance and Purchase homes. Seek guidance from team members to resolve issues and to identify appropriate issues for escalation calls. Recognize life events, understanding members needs and provide advice in order to deliver appropriate solutions to the members. Trained as a processor with acquire developing the knowledge of the systems and programs like IOP, UNIFI, PORTAL and Connect. Managed to navigate from one screen to the next and handled over 50-100 calls a day, transferring members call to the appropriate line of business (Bank, P&C, Life, Auto, etc). Having the ability to ask probing questions. Reviewing all notes on Note Pad. Relating E-mails of any escalating calls to processor’s manager or Instead Messaging their Seniors. Identifying all members for full verification with USAA procedures. 5/15/2009-12/9/2010 Aerotek/Wells Fargo (Contract) San Antonio, TX Mortgage Processor Loss Mitigation Processed FHA, VA and Conventional loans. Developing and maintaining relationships primarily with Clients, Brokers, Realtors and Attorneys. Responsible for generating loan volume and closed loans through sales and marketing activities. Constant communication with borrower to gather missing documents. Maximize and enhance volume opportunities by promoting our competitive mortgage products, services, and programs in their assigned Real Estate Brokerages. Originate mortgage loans using point of sales technology, or offer customers the choice of originating the loan via telephone or via the Internet. Provide closing support to the mortgage department. Prepare mortgage loan files and coordinate closing schedule. These activities are considered necessary in order to produce, increase and sustain an acceptable level of production. Familiar with FHA and VA guidelines. Dealt with putting FHA packets in a Compass Program. Dealing short sale negotiation or foreclosure review, handled negotiating payments on past-due account did basic reviews to determine if an offer can be accepted according to credit policies and procedures, postpone foreclosure dates if needed, and request all foreclosure fees and costs. PMI guidelines and federal/state regulations in relation to all aspects of loss mitigation, risk management and mortgage banking. Upload or export pertinent documents and information needed for a Loss Mitigation transaction. Handle all written and verbal correspondence professionally between the borrowers, client, investor, real estate agents,

consumer credit counseling services, and attorneys. Gather information and documents from different parties needed to analyze the case based upon product guidelines. Work with all parties involved to prepare documents needed prior to closing. Gather and request from customer or HMC all necessary and pertinent requirements to add to the file and complete the compliance checklist. Orders required credit reports, appraisals, W-2's 1099s, verifications of employment and other documentation necessary to complete loan files. Analyze income, asset and credit documentation to determine monthly income, schedule of debts and available funds. Review file 4/2008-02/2009 Office Manager and determine Tejas Plastics if the decision San Antonio, TX engine Under general supervision of a Department Director or a Division Manager, performs, coordinates and oversees technical and office administrative support work within a program or group of program areas, including the provision of varied and complex office administrative support to managerial, professional and supervisory staff or the direct coordination of specific administrative support projects and operations. Performs project research and report preparation related to the activities of the organizational unit to which assigned; may prepare and update a variety of periodic and special narrative, accounting, database and statistical reports. Processes bills and invoices for payment; prepares and transmits a variety of financial documents and maintains records of financial transactions; may oversee the collection and record keeping of and/or collect and account for fees and other monies collected. Performs other duties of a similar nature or level. 10/2007-3/2008 Mortgage Processor/ Exit Realty TC Austin Realtor San Antonio, Texas Responsible for reviewing financial statements analyzes the credit worthiness of the borrower and renders a decision on the applications request. Calculating debt to ratios, appraisals, credit reports, examining and evaluating transitions to certain accuracy, fraud detection techniques, report preparation, re-negotiation of applications. Work with other departments to insure that the work-flow or process is providing the best service to advise the customers. Dealt with Title company to get all disclosures Title of chain, LOC, preliminary title Responsible for HUD key's to other agents, handle all incoming calls and transfer or send to voice mail, update all e-mail and saved all files to PDF and update on MLS, Home tracker, Bid Select, CSS and TREC. All HUD closing transaction were saved on a T-drive and filed. Order credit report through Calyx. Uploading pictures on Home tracker to MLS. Interacting with Southwest Alliance. Transfer sales calls to agents on duty. Downloading pictures or documents that were e-mailed to me for the new General Listing that is needed for MLS. Received all HUD classes at our office location. Scan, and fax property and sale contracts to our agents. 2/2005-9/2007 CERTIFIED COMMUNICATIONS, INC San Antonio, TX

Agent Deliver world-class customer service and build customer satisfaction and loyalty. Provide effective and timely resolution of a range of customer inquiries. Strive for one-call resolution of customer issues. Complete ongoing training to stay abreast of product, service and policy changes. Strike a positive and cooperative tone with both customers and coworkers. Demonstrate best judgment in the disbursement of adjustments and credits. Increase the customer experience by providing information on new products, rate plans, and services through up selling opportunities. Answer 100-120 calls per day while maintaining a high level of customer satisfaction. Assesses customer needs and promotes/suggests alternative products or services. 1/2003 - 1/2005 The Tax Place Income Tax Prepare San Antonio, TX Implement professional services to complete income tax service and tax documents in relation to the Internal Revenue Service. Complete Data Entry Level on Orr tax software and Quick Books Accounting. Review all w-2’s on tax returns. Give advice on tax solutions to the customers and operate as receptionist; answering phones, greet the patrons, handing out the refund checks, maintain confidential documents, and file numeric order. Collection and payments due from customers. EDUCATION ●Southwest High School-Graduate 1987 / US - Texas - San Antonio ●San Antonio College Associate Degree- 1995 /US - TX - San Antonio