TECHNICAL SKILLS:

• Mortgage/ Foreclose Process 
• Short Sale 
• Loan Modification 
• Lending & Underwriting Guidelines 
• Risk Assessment 
• Loan - to-Value Ratios 
• Debt-to-Income Ratios 
• Conforming & Nonconforming Loans 
• ARMs 
• Loan Closing
• Funding & Documentation 
• Strong knowledge and expertise in the mortgage banking industry 
• Due Diligence in Underwriting 
• Familiar with FHA/VA guidelines 
• Excellent knowledge in analyzing and reviewing of appraisal reports 
• Excellent knowledge of paperless documentation environment 
• Able to identify potential red flags 
• Detail oriented with excellent communication
• Excellent computer knowledge of Equator 
• SharePoint 
• Sales Force 
• AS 400 
• Lending QB 
• Adobe
• MS-Word
• Excel
• Database
• Access
• Internet and E- Mail 
• MLS Data 
• Public Record Data

PROFESSIONAL EXPERIENCE:

Confidential, Encino, CA

Appraiser Trainee/ Market Analyst/ Assistant

• Prepare written reports that estimate property values, outline methods by which the estimations were made, and meet appraisal standards.
• Compute final estimation of property values, taking into account such factors as depreciation, replacement costs, value comparisons of similar properties, and income potential.
• Search public records for transactions such as sales, leases, assessments verifying legal description.
• Interview persons familiar with properties and immediate surroundings, such as contractors, home owners, and realtors, to obtain pertinent information.
• Examine the type and location of nearby services, such as shopping centers, schools, parks, and other neighborhood features, to evaluate their impact on property values.
• Draw land diagrams that will be used in appraisal reports to support findings (Sketch Program).
• Research public records and comparable adjustments to provide complete reports and all other duties as necessary to provide a complete report to establish property values (MLS, Public Record, ClickForms).
• Inspect properties to evaluate construction, condition, special features, and functional design, and to take property measurements.

Confidential, Calabasas, CA

Loan Review Analyst/ Post Closing/ QA/ Shipping

• Analyzed applicant’s financial status, credit, and property evaluations to determine feasibility of granting loans.
• Obtain and compile copies of loan applicant’s credit histories, corporate financial statements, and other financial information.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Review loans within specified limits, and refer loan applications outside those limits to management for approval.
• Review and update loan files.
• Submit applications to credit analysts for verification and recommendation.
• Confer with senior underwriters to aid in resolving mortgage application problems.
• Working with loan origination documentation and guidelines, funding and insurance processing.
• 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.

Confidential, Oaks, CA

Post Closing Coordinator/ Trailing Docs/ Shipping

• Responsible for performing a detailed post-closing analysis of closed loan packages to determine compliance with Investors program guidelines.
• Audit loan files for submission to Agencies for endorsement/guarantee.
• Validate loan level data within the Agencies to ensure that loans are free of deficiencies prior to submission.
• Review closed loan packages to ensure that documents are correctly signed and properly executed by mortgage loan originators, processors, and underwriters.
• Perform a detailed post-closing analysis of closed loan packages to determine compliance with Government Agency program guidelines and checklist, maintaining accurate data integrity.
• Defining and analyzing defects using logic and resourceful methods to actively resolve issues before funding.
• Work in conjunction with internal operations, borrowers and all entities connected to loan file for conditions needed for audit and Deficiencies.
• Perform other general post-closing functions as needed.

Confidential, Los Angeles, CA

Appraiser Trainee/ Market Analyst

• Prepare written reports that estimate property values, outline methods by which the estimations were made, and meet appraisal standards.
• Compute final estimation of property values, taking into account such factors as depreciation, replacement costs, value comparisons of similar properties, and income potential.
• Search public records for transactions such as sales, leases, assessments verifying legal description.
• Interview persons familiar with properties and immediate surroundings, such as contractors, home owners, and realtors, to obtain pertinent information.
• Examine the type and location of nearby services, such as shopping centers, schools, parks, and other neighborhood features, to evaluate their impact on property values.
• Draw land diagrams that will be used in appraisal reports to support findings.
• Obtain county land values and sales information about nearby properties to aid in establishment of property values.
• Inspect properties to evaluate construction, condition, special features, and functional design, and to take property measurements.
• Research public records, comparable adjustments, provide complete reports and all other duties as necessary to provide a complete report.

Confidential, Encino, CA

Assistant Real Estate Agent

• Compare a property with similar properties that have recently sold to determine its competitive market price.
• Accompany buyers during visits to and inspections of property, advising them on the suitability and value of the homes they are visiting.
• Prepare documents such as representation contracts, purchase agreements, closing statements, deeds and leases.
• Confer with escrow companies, lenders, home inspectors, and pest control operators to ensure that terms and conditions of purchase agreements are met before closing dates.
• Interview clients to determine what kinds of properties they are seeking.
• Coordinate property closings, overseeing signing of documents and disbursement of funds.
• Generate lists of properties that are compatible with buyers' needs and financial resources.
• Contact property owners and advertise services to solicit property sales listings.
• Arrange for title searches to determine whether clients have clear property titles.
• Coordinate appointments to show homes to prospective buyers.
• Investigate clients' financial and credit status to determine eligibility for financing.
• Evaluate mortgage options to help clients obtain financing at the best prevailing rates and terms.
• Assist with new listings & sales, duties include photos, flyers, open houses and other responsibilities as necessary.