Customer Service Human Resources

Ernesto Castellanos

***** *** ***** | Murrieta, CA 92562 |C: 619-***-****| ***********@*****.***

EXCEPTIONAL MANAGEMENT SKILLS/LOAN UNDERWRITING

CLIENT CUSTOMER SERVICE * ADVANCE MORTGAGE EXPERTISE * SUPERIOR WORK ETHIC

Skills include:

• Mortgage/ Loss Mitigation Loan Underwriting

• FHA Federal Housing Administration

• VA Loans /VA Veterans Administration

• Sub Prime Underwriting /Financial Statement

• Mortgage fraud investigative experience

• Hard Money Lending

• Commercial Lending

• Home Equity/Second Mortgages

• Refinance / Purchases

EXPERIENCE

PROMONTORY, IRVINE CA SR. COMPLAINT REVIEW ANALYST

10/2011 – RESENT

Major Responsibilities/Activities

• Acts as frontline supervisor providing junior analyst with feedback and assistance with technical questions

• Reviews servicer-provided customer complaint, and mortgage loan documentation for accuracy and completeness. Validate servicer computations of borrower’s indebtedness, financial condition and refunds/remediation.

• Conditions complaint and loan files for missing documentation in a clear, concise, and respectful manner

• Enters data in proprietary case management system. Draft loan-level comments in accordance with client policy and procedure.

• Reviews and analyze complaint and loan data as required by the scope of the review, which may include verification of data against multiple sets of guidelines.

• Demonstrates an in-depth understanding of Federal, multi- state and local mortgage compliance regulations and mortgage fraud.

• Accurately resolves escalated cases based on case complexity.

WELLS FARGO HOME MORTGAGE, IRVINE CA

CONVENTIONAL UNDERWRITER LEVEL 3 12/2010 – 08/2011

Major Responsibilities/Activities

• Review, examine and underwrite loans to ensure soundness, business value and compliance with company and investor standards.

• Determine and document loan conditions and communicate requirements and/or decisions.

• Review detailed historical and projected financial analysis utilizing tax returns and financial statements. Independently conduct full and comprehensive evaluations of a variety of complex, high-risk mortgage loan applications. Review and analyze special conditions, loan deficiencies and exception requests to determine appropriate courses of action.

• Manage the on-site process of buying and selling none or under-performing loan portfolios. Serve as a project leader on special assignments .Oversight and expert advice to ensure appropriate development and implementation of fraud prevention,.

CHASE, SAN DIEGO, CA

SR LOSS MITIGATION & CONVENTIONAL UNDERWRITER L3 12/2009 – 11/2010

Major Responsibilities/Activities

• Earned a reputation as a top performer in the company, consistently working up to 5-6 files a day.

• Best Employee Award for the first quarter of the year.

• Analyzed risk factors and structured complex loan transactions.

• Proven dedication and initiative, maintaining personal accountability and top levels of performance.

• Fast learner known for exhibiting creativity and solid leadership skills to quickly resolve loan issues.

A PLUS FUNDING , EASTLAKE ,CA

BRANCH MANAGER / SR UNDERWRITER L3 01/2008 –12/2009

Major Responsibilities/Activities

• Demonstrated leadership proficiency in sales, service and operations.

• Providing knowledge and expertise to employees regarding loan programs and new Rate terms.

• Managed human resources, established production goals, optimized profitability and controlled operating expenses.

• I developed new business, retains customers, and managed the loan portfolio/Pipe line

AMERICA’ S FINANCIAL , EASTLAKE CA

OWNER/DISTRICT MANAGER 06/2000 –12/2008

Major Responsibilities/Activities

• Finding the most suitable mortgage for a client from various mortgage offers available in the mortgage market. Coaching staff and Real Estate agents on the changes on the market and the lending products.

• Funding over 12 million dollars a month of production. Managed human resources, established production goals, optimized profitability and controlled operating expenses.

• I developed new business, retains customers, and managed the loan portfolio/Pipe line

EDUCATION & TRAINING

Castle Park High School Chula Vista, CA 1994

San Diego State University San Diego, CA 1996

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