Experienced Professional

NANCY HALPERN

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

San Diego, California 92110

Residence: 619-***-**** Email: *********@*****.***

SUMMARY STATEMENT

Highly motivated, results-driven Professional with over 20 years experience in all aspects of business and mortgages. Have been on both sides of the table and can manage personnel, underwrite or package loans efficiently and effectively. Proven tract record of exceeding quotas, customer satisfaction and underwriting. Have handled a myriad of positions. Seeking a position in an environment that is challenging and motivating with opportunity for advancement.

PROFESSIONAL EXPERIENCE

First Magnus Financial Services, San Diego, CA, Mortgage Underwriter, 11/05 to 9/07

Performed pre and post underwriting loan processing and validation functions; facilitated loan from processing through underwriting to closing; performed all sign offs of: Prior to Approval, Prior to Doc and Prior to Funding conditions. Underwrote both manually and AUS (DU, LP, Clues), conforming, jumbo and self-employed

RBC/New Century/Home123, San Diego, CA, Mortgage Underwriter, 1/05 to 11/05

Underwrote and processed Calhfa loans and self employed

Countrywide Home Loans, San Diego, CA, Mortgage Underwriter, 6/02 to 12/04

Took loans from cradle to grave: registration, underwriting, loan documents, funding & shipping

Sebastian D’Amico, Attorney at Law

Contract Work-Paralegal, San Diego, CA, 1/00 to 6/02

• Handled business and personal matters for various clients.

• Researched and organized over 5000 pieces of discovery in Excel.

• Reconciled over ten years of accounting records.

Qualifier 105 Sportfishing, Inc., San Diego, CA, 9/96 to 12/99, OFFICE MANAGER

• Directed day-to-day sales and operating activities for this $1.3 million sport fishing company. Handled conversion of accounting system to Quicken, month end closing, budgeting forecasting, AR & AP. Supervised and coordinated staff.

• Initiated new sales strategies, increasing revenues by 16% and passenger loads from 81% to 93%.

• Supervised design, content and training of new reservation and billing system, reducing invoice processing time and vastly improving customer service.

• Negotiated discounts with key vendors, reducing overall costs by 20%. Acted as liaison with local and international governmental agencies.

HM Financial/American Security, San Diego, CA, 9/94 to 8/96, SENIOR MORTGAGE UNDERWRITER/LOAN PROCESSOR

• Processed conventional, VA and equity loans.

Pilot Mortgage, Inc., /Ashton Woods Homes/Great Gulf Group of Canada, Stafford, TX, 6/93 to 8/94,

VICE PRESIDENT/OPERATIONS MANAGER/LOAN OFFICER

• Administered daily activities for the 84th largest homebuilder in the US; responsibilities included personnel, management, sales, marketing, correspondent lender relations, and office administration. Supervised staff of 10 in several cities. Traveled intrastate.

• Managed start-up of two new offices; hired and trained personnel, set-up MIS systems from design to implementation, wrote procedural manuals, analyzed all departments of Builder, Customer Service & Mortgage Divisions to train and implement business requirements and Governmental Regulatory Compliance issues.

• Underwrote all loans, communicated credit risk to Builder Division. Handled communications and analysis with Lenders. Communicated with Builder, Construction Division, Sales Division and Loan applicants through closing.

• Negotiated long-term (90-120) day locks on interest rates with key Lenders and Special Programs for Builder loan applicants.

The Reef Resort Condo Hotel, Galveston, TX, 6/91 to 6/93, GENERAL & SALES MANAGER

• Directed complete renovation and reorganization of this failing resort; implemented new systems and procedures increasing revenues, decreasing costs and taking the resort from a loss to a profit.

• Recruited, trained, motivated and led a highly productive team of up to 14 employees.

Friedman Mortgage Services, Houston, TX, 1/82 to 6/91, CO-OWNER/OPERATIONS MANAGER

• Established and managed overall sales and operating activities.

• Successfully implemented new programs in construction and commercial loans. Acted as liaison with Lenders.

• Handled loss mitigation with MI companies and Lenders.

• Selected as Business Development Board Member for largest independent Bank; represented community members regarding development issues and loans.

• Orchestrated a highly successful series of real estate and “Train the Trainers” seminars that were attended by groups of up to 500 professionals. Participated in C.A.R.E. Seminars (Creating Alternatives in Real Estate) through Houston Proud

bringing a panel of experts from all areas in Mortgages, to help show there were alternatives and solutions to foreclosures. Performed negotiations and workouts with Asset Management Groups.

PRIOR WORK EXPERIENCE

Paralegal and office bookkeeper for 6 years with Law Firm in Houston, Texas while attending college; handled matters in areas of commercial collections, negotiations with debtors and setting up payment plans; contracts, domestic relations, not-for-profit, and real estate law.

EDUCATION

CalHFA Certification

Certificate in Client/Server Technology - SDSU

B.S., Accounting and Management Information Systems (MIS), University of Houston

CPA Exam, Credit for Law & Auditing, 1986, Credit for Theory, 1990

Tom Hopkins Boot Camp Selling Seminar

Knowledge of numerous software Microsoft Office, Quicken, Peachtree, Cognos Impromptu, Discover, Adobe, specialized mortgage software (DU, LP, Clues, Powerpak, Contour), Oracle 8.1, SQL, PL/SQL, Visual Basic 6.0

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