Great Team Leader and Organizational Management Skills

ANTHONY B. CONCEPCION

Sacramento, CA *****

Mobile: 714-***-****

OBJECTIVE

To obtain a position where I can apply my diverse customer service skills as well as my technical skills in a fast paced motivating environment, while contributing to the growth of my employer’s success.

STRENGTHS

- Organization and time management: flexibility in the face of changing priorities.

- Team leadership and participation: proven ability to contribute to cross-functional initiatives and maintain a focus on established goals.

- Staff coaching and development: in both formal training and daily supervision.

- Communication and presentation skills: both internally and externally; demonstrated ability to represent customers’ viewpoint and to communicate value.

- Strong desire to grow professionally and personally.

TECHNICAL SKILLS

Automated Underwriting Solution using DO/DU System, Loan & Processing Solution (LPS), Capstone, Merlin, Windows NT/Workstation, Windows/Office Suite 2000, Microsoft Access, Excel, Power Point, OS2 Lotus Notes, Oracle application/presentation, Loan Quest, Desktop Underwriting and BPA system. Baker Hill or similar spreading software, and Jack Henry systems

PROFESSIONAL EXPERIENCE

HSS II (Home Servicing Specialists II)

(June 2006 – Sept. 2007) Aerotek Professional Staffing - Santa Ana, CA 92705

- Process loans approved by an Underwriter or an automated decision-system, credit signing authority within delegated limits. Liaison officer for clearing conditions and issuing changes to the terms on previously approved loan;

- Responsible for but not limited to verifying conditions of approval which may include, customer income/assets documentation, resolves routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens, processes subordinations;

- Resolves appraisal disputes; depending on channel, and coordinate closing activities. Maintains a high level of customer service by being proactive in communication with customers, may include banking center associates, realtors, etc.

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Sr. Loan Processor/Underwriter

(June 2004 - July 2006) United Home Loans - Orange, CA 92867

- Approves or denies mortgage loans, following mortgage standards: Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards. Evaluates acceptability of loan to corporations that buy real estate loans on secondary mortgage markets, where existing mortgages are bought and sold by investors;

- Approves or rejects loan application, or requests additional information. Records loan rejection specifying investor and institution guidelines and basis for declining application, such as insufficient cash reserves. Assembles documents in loan file, including acceptance or denial, and returns file to originating mortgage loan office.

Mortgage Compliance Analyst

(Jan. 2002 - June 2004) Secured Funding Corporation - Costa Mesa, CA 92626

- Analyze and direct all regulatory compliance responsibilities in support of Company policies, goals and objectives for Secured Funding Branches. This position is responsible for Federal and State compliance monitoring and reporting of those branches;

- Under minimal supervision, is responsible for approving or denying applications for real estate, retail, wholesale, and various consumer loans in accordance with assigned level of authority. Performs underwriting for assigned line of business in Retail and Wholesale departments. May provide guidance or training to lower level Credit Compliance Analyst.

Credit Analyst I

(March 1999 – January 2002) Irwin Home Equity Corp. - San Ramon, CA 94583

- Performs cash flow analysis and financial statement analysis by using advanced accounting skills. Develops credit histories by spreading financial information. Maintains historical studies of customers by compiling and analyzing financial developments; comparing industry and company statistics.

- Works with Portfolio Managers and / or Relationship Managers in the preparation of complete and accurate credit memorandums for presentation to the appropriate loan authorities for decisions on renewal credit requests and reviews.

- Works with Portfolio Managers in reviewing and assigning client risk “ratings” and identification of any deterioration or change in the client’s capacity to follow the contractual terms of the agreements, including all loan covenants.

- Maintains ongoing communication with Portfolio Managers on status of deals. Sets up and monitors outstanding loan covenants as directed by Credit Analyst Manager Tracks and periodically report status workload to Credit Analyst Manager.

EDUCATION

(June 1994 - June 1999) – Graduated with the Bachelor Degrees

- BA Mass-Communication - Major in Advertising and Public Relations

Lyceum of the Philippines University - Philippines

#33 Corner of Muralla & Real Street, Intramuros, Manila, Philippines

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