Mr

RUBEN VILLANUEVA

**** ***** ***** • San Antonio, Texas 78251

********@*****.*** • 210-***-**** • 210-***-**** (Cell)

Versatile Business Manager/Owner with Mortgage background seeking career in mortgage origination, processing and or operations.

CORE COMPETENCIES

• Innovative Leadership, Change Management, Mentoring and Coaching

• Sales and Marketing, Integrity Selling Principles, Process Improvement

• Risk Based lending, Mortgage Origination, Mortgage Production

• Relationship Building, Business Development, Customer Service Satisfaction

PROFESSIONAL EXPERIENCE

Tumbleweeds – San Antonio, TX November 2008 to Present

Owner

• San Antonio’s original private party place for kids

• Responsible for all business operations

o Staffing, training and staff development

o Management , scheduling

o Customer service

o Payroll, bookkeeping

o Marketing and public relations

World Financial Group – San Antonio, TX February 2006 – Present

Financial Consultant

• I conduct a needs assessment for clients who will identify their specific financial goals and investment objectives. Working together we will formulate a strategy to help them address their goals. Then, if it is suitable, I will recommend the most appropriate products and services to help them execute their strategy.

Wachovia/World Savings – San Antonio, TX May 2004 to October 2008

Mortgage Sales and Operations Manager, Assistant Vice President

• Directly managed four Team Managers each with teams of Sales Reps, Underwriters and Processors

• Aided in staff selection, training, performance evaluations, staff developments/coaching, reward and recognition for all team members

• Ensured monthly service level expectations and metrics were met

• Collaborated with business partners to achieve common goals

• Stayed abreast of market conditions and issues affecting daily operations

• Worked closely with loan processors to assure service levels were met monthly

• Facilitated continuing education classes for Loan Processors and Underwriters

• Reviewed, recommended and implement new work procedures to streamline business processes

• Served as a division representative for corporate initiative projects

• Accountable for the achievement of overall team and market goals as well as operational efficiency

Department Loan Trainer May 2003 to May 2004

• Developed a training curriculum and calendar for new hires in the department

• Coached new employees towards acquiring and utilizing problem solving, conflict resolution, time management, and decision-making skills

• Taught new hires to the department all aspects of loan origination

o Title and Appraisal ordering

o Preparation and sending of initial loan documents to customers

o Effective communication with customers regarding loan process

o Effective communication with all third parties associated with loan process

o Facilitated user training for all applications used in the loan process

• Organized projects for department wide activities geared towards building skill sets of trainees

Mortgage Loan Consultant April 2001 to May 2003

• Sold loan programs to customers and mortgage brokers while demonstrating advanced problem solving, and risk analysis skills

• Reviewed loan applications and credit reports to determine qualification of candidates for loan programs

• Discussed loan requirements and policies with consumers and mortgage brokers

• Communicated loan decisions with consumers, mortgage brokers

• Worked with loan processors to effectively complete loan process

• Reviewed stipulations from consumers as received

• Reviewed Title and Appraisal Reports as received

• Completed mandatory continuing education classes

• Maintained an active loan pipeline of 60 to 70 loans in process

Loan Processor June 1997 to April 2001

• Effectively managed pipeline of 50 to 60 loans in process

• Communicated status of loan transaction with customers on a weekly basis

• Discussed loan program features with customer and answered any questions regarding loan program

• Collected stipulations from customer before submitting for review to Underwriter

• Reviewed income, assets, credit, homeowners insurance, flood insurance documents

• Ordered appraisal and reviewed the data to ensure any and all requirements for property were met

• Ordered Title from Title company and coordinated closing date

• Reviewed HUD-1 with customer before closing to ensure accuracy

• Reviewed all final loan documents for accuracy prior to submitting to Title Company

• Communicated with loan origination personnel to correct errors

• Delivered Completed loan documents to title company via email or overnight mail’

• Reviewed signed loans documents for accuracy

• Communicated with title company personnel, customers, and other parties to correct errors

ACHIEVEMENTS

• Employee of the Quarter; third Quarter, World Savings 1997

• Presidents Club 2001 top producing Community Loan Underwriter

• Manager of the Year; Savings Branch Operations Center World Savings 2006

• Assistant Vice President; Wachovia April 2008

EDUCATION AND SKILLS

• Northwest Vista College 1997 - Major of study; Business Management

• Palo Alto College 1992 -Core curricular studies

• Knowledge of Microsoft Office Suite to include: Word, Excel, PowerPoint, Visio, Access, Outlook

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