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Sr. Underwriter/Underwriter/Collections Supervisor/Credit Manager/Operations Resume
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| Desired Industry: Banking/Mortgage |
SpiderID: 6915 |
| Desired Job Location: Houston, Texas |
Date Posted: 5/12/2006 |
| Type of Position: Full-Time Permanent |
Availability Date: 06/30/2008 |
| Desired Wage: 70000 |
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U.S. Work Authorization: Yes |
| Job Level: Management (Manager, Director) |
Willing to Travel: Yes, 25-50% |
| Highest Degree Attained: Bachelors |
Willing to Relocate: Undecided |
Objective:
My experience and education have provided me with excellent knowledge in the financial industry and other relevant skills required of an effective team member and leadership application.
My strong initiative and exceptional organizational skills combined with my ability to work well under pressure, has enabled me to make a substantial contribution in this field. I believe that a challenging environment such as yours will provide an excellent opportunity for me to best utilize my skills while contributing to the industry.
I look forward to that opportunity (if given) to discuss with you personally how my skills can best serve your office.
Experience:
Selene Finance LLC/Aegis Mortgage Corporation, Houston, TX 2005 Present
Senior Mortgage Underwriter/Foreclosure and Loss Mitigation Specialist
Negotiated short sales/deed in lieu/forbearance of foreclosure for at-risk properties
Demonstrated ability to analyze liquidation options and prepared state specific documentation to initiate foreclosure proceedings applicable within a 20 state region
Responsible for 300 non-performing assets and contacting customers on pre-payment plans and options meeting and exceeding 20% monthly goals set.
Level III Underwriter, approve, condition and reject within delegate lines of authority Wholesale/Sub-prime credit applications up to $500K & within a 15 state region
Underwriting, reviewing and decision credit applications averaging 165 per month with a funding average of 51% monthly.
Senior Underwriter Reviewer of loans for quality assurance
Peoples Choice Home Loans Inc. Lakewood, CO 2004 - 2005
Sr. Underwriter/Loan Processor/Closer
Processed an average of 35 to 75 loan files/applications monthly verifying accuracy of documents received to include ordering required credit reports, appraisals and other documentations needed for completion of loan files for closing
Approve, condition and reject within delegate lines of authority averaging 90 to 105 credit applications monthly
Underwrite, approve, condition and reject within delegate lines of authority wholesale credit applications within a 20 state region
Assistant Operations Manager to the Regional Manager in re-writing new sales techniques for train up of new Sales Consultants
Origen Financial L.L.C., Fort Worth, Texas 2002 - 2003
Credit Manager-West Region/Remarketing Sales Specialist
Manage the investigation, analysis of investigation and approval functions within the credit guidelines and routines of a nine state region
Approve, condition and reject within delegate lines of authority retail credit applications
Supervise the purchasing function for accuracy of documentation, compliance with regulatory constraints and conditions of approval
Reviewed contracts of accuracy of discounting calculations in sales and rate for customer pre-payment forbearance plans
Manage the Audit and Quality Control programs including Account Representatives in Sales and served as Collections Auditor and Compliance
GUADALUPE (LOU) VALDES
Pikes Peak National Bank, Colorado Springs, CO 2001 - 2002:
Senior Account Executive
Marketed bank services, products, secured loans to new clients
Commercial/VA loan underwriter and reviewer of financial statements
Increased funds managed at Valley Branch by 59%
Loan Processor, Scheduler and Closer of all client Mortgage & Home Equity Loans.
Served as Collections and Auditor of existing loans
Canadian Imperial Bank of Commerce (CIBC), Colorado Springs, CO 2000 - 2001:
Senior Team Builder of Customer Associates
Senior sales trainer of 67 customer associates
Trained associates on bank products, services, secured loans, customer service, cross selling, aisle selling, etc...
Increased sales productivity while training associates by 35% across the state
#1 Sales Associate in Colorado (Oct-Nov '00); 110% above quota
Bombardier Capital Inc, Colorado Springs, CO 1998 - 2000:
Credit Manager/Repossession Manager
#1 underwriter in the company the past two years
Responsible for 68% repossession recovery rate
Increased collection rate by 20.4% and repossession sales by 23%
Analyzed and verified information statements and debt-to-income ratios and interacted with dealers, loan applicants, employers, and landlords
Supervised staff: seven loan processors; three credit investigators; two funding specialist; and six collection technicians
Education:
B.S. Business Management & Finance
A.A. Teacher Preparatory-Secondary
A.A. Liberal Arts
Bi-Lingual-All Dialects of Spanish
Skills:
Windows 2000 Excel Microsoft Word 5.0
PowerPoint 5.0 AS400 Systems Mortgage Ware
Citrix Systems LaserPro Mortgage Mortgageserv
Empower (Microsoft Access) Microsoft Office 2000 XP Ocwen
Netox Systems Calyx Point 5.2 Fidelity Systems
Additional Information:
25+ years of leadership and management experience, including underwriting, supervising and administration, earning a solid reputation for productivity, complex problem resolution and professionalism. Solution oriented with an eye toward bottom line results, an effective motivator, attentive to detail, and knowledge of business computer literacy and software.
Candidate Contact Information:
| Name: Guadalupe Valdes |
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| Street: |
Phone: 281-450-9676 |
| City: Houston |
Fax: - |
| State: Texas |
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| Zip: 77089 |
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| Web Site: |
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