Experience
First California Mortgage Company  November 2014 - Present
Miles Consulting   November 2006 - Present
Stearns Lending  January 2014 - November 2014
American Pacific Mortgage   August 2012 - January 2014
American Pacific Mortgage   April 2011 - August 2012
American Pacific Mortgage   August 2009 - April 2011
Granite Funding Group   August 2009 - March 2011

Skills
Lead Generation, CRM, Mortgage Lending, Loans, Credit, Refinance, Mortgage Banking, Short Sales, FHA, Finance, First Time Home Buyers, Training, Underwriting, Residential Mortgages, USDA, VA Loans, Real Estate

Education
Sierra College   2009 — 2011
Business Development, Marketing

Placer High

Experience
American Pacific Mortgage   December 2009 - Present

Skills
VA loans, Investors, REO, Short Sales, Sellers, Mortgage Banking, Banking, Home Equity Lines of..., First Time Home Buyers, Reverse Mortgages, Loan Origination, Residential Mortgages, FHA, Real Estate, Construction Loans, Single Family Homes, Refinance, Credit, Consumer Lending, Investment Properties, Relocation, Residential Homes, Debt Consolidation, Mortgage Underwriting, Condos, Loans, Underwriting, Government Loans, Team Building, Real Estate Transactions, Foreclosures, FHA financing, Mortgage Lending, USDA, Commercial Mortgages, Real Estate Financing, VA Loans

Education
University of Montana   1979 — 1983
Bachelors, Interpersonal communication

Experience
Vitek Mortgage Group  September 2014 - Present
American Pacific Mortgage   July 2012 - June 2014
Eagle Home Mortgage  November 2009 - March 2012
Eagle Home Mortgage  December 1998 - November 2009
Best Western Rocky Mountain Lodge   June 1992 - June 1996

Skills
Team Building, Strategic Planning, Customer Service, Business Development, Leadership, Integration, Time Management, Selling, Account Management, Management, Salesforce.com, Small Business, Training, Direct Sales, Social Networking, Sales Operations, Contract Negotiation, Customer Satisfaction, Project Management

Education
San Diego State University-California State University   1979 — 1982
BA, Communications

Experience
American Pacific Mortgage   March 2015 - Present
Total Lending Concepts, Inc   September 2014 - March 2015
Hallmark Home Mortgage  September 2013 - May 2014
Ford Motor Company  November 2012 - September 2013
BMW  November 2011 - November 2012

Skills
Sales, Finance, Sales Management, Direct Sales, Team Leadership, Marketing, New Business Development, Customer Retention, Customer Satisfaction, Real Estate, Refinance, First Time Home Buyers, Sales Operations, VA loans, Colorado Housing and..., Loans, VA Loans, Investment Properties, FHA, Customer Service, Mortgage Lending

Education
Ohio University   2002 — 2006
Bachelor's degree, Marketing

Ohio University   2002 — 2006
Bachelor's degree, Marketing

Experience
Stearns Lending (NMLS #1854)   June 2014 - Present
American Pacific Mortgage   September 2013 - June 2014
International City Mortgage  August 2013 - September 2013
imortgage  April 2013 - July 2013
Caliber Funding  September 2012 - April 2013
Bank of America Home Loans  July 2009 - November 2010
Washington Products and Services   December 2007 - March 2008
XCEL Industries   August 2006 - April 2007
Countrywide Home Loans  June 2003 - August 2006
New Century Title Co.   December 2002 - June 2003

Skills
Microsoft Office, Mortgage Banking, Property Management, Real Estate, Escrow, Small Business..., Loans, Refinance, Short Sales, Loan Servicing, Mortgage Lending, SBA, Customer Service, Sales, FHA, Loan Origination, Real Estate Transactions, Residential Mortgages

Education
American Public University System   2013 — 2015
Bachelor's degree, Sports Management with a minor in Business Administration and a Certificate in Counterintelligence

American Public University System   2011 — 2013
Associate's degree, Communications, 3.2

Riverside Community College   1997 — 1998
N/A, Computer and Information Systems Security/Information Assurance

Experience
American Pacific Mortgage   December 2014 - Present
Vitek Mortgage Group  October 2012 - Present
Wells Fargo  January 2011 - September 2012
Lockheed Martin  April 2008 - October 2008
Enterprise Fleet Management  August 2007 - February 2008
Enterprise Rent-A-Car  August 2005 - August 2007
US Army  June 2000 - June 2002

Skills
Customer Service, Banking, Credit, Sales Management, Finance, Loans, Mortgage Banking, Mortgage Lending, Refinance, Residential Mortgages, VA loans, USDA

Education
UC Davis   2009 — 2010
Teaching Credential, Secondary English

UC Santa Barbara   2004 — 2005
Bachelor of Science, English

United States Military Academy at West Point   2000 — 2002

Experience
American Pacific Mortgage   November 2014 - Present
Movement Mortgage, LLC  May 2014 - November 2014
The Rosenbaum Group   March 2012 - May 2014
Disney English  November 2010 - February 2012
Teach for America  June 2008 - June 2010
University of California Santa Barbara  August 2007 - June 2008
YMCA  May 2005 - August 2007

Skills
Loan Origination, Relationship Development, Educational Leadership, Team Building, Community Outreach, FHA, Down Payment Assistance, First Time Home Buyers, Lead Generation, Leadership, Program Management, Teaching, Karaoke, Press Releases, Business Development, Public Speaking, FHA financing, Interviews, Classroom, Staff Development, Program Development, Time Management, Breathing, Chewing Gum, Sales, Customer Service

Education
Teachers College, Columbia University   2010 — 2011
TEFL-C Certification, English

Loyola Marymount University   2008 — 2010
Master of Arts, Special Education

University of California, Santa Barbara   2004 — 2008
Bachelor of Arts, Psychology

Experience
American Pacific Mortgage   February 2014 - Present
Solera National Bank  2010 - 2012
Colorado Capital Bank  2007 - 2009
Millennium Bank  2005 - 2007

Skills
Mortgage Lending, Loans, Mortgage Banking, Credit, FHA, Refinance, Loan Origination, Residential Mortgages, Customer Service, Microsoft Office, Public Speaking, Leadership, Banking, Microsoft Excel, Underwriting, Commercial Lending, Finance, Management

Education
Minnesota State University, Moorhead
Bachelor of Science (B.S.), Business Administration and Management, General

Experience
American Pacific Mortgage   June 2015 - Present
Walnut Creek Downtown   September 2014 - Present
Union Bank  February 2010 - June 2015
Bank of America  December 2007 - February 2010
Washington Mutual Bank  November 1998 - September 2007
Washington Mutual  2001 - 2007

Skills
Loans, Banking, Credit Analysis, Sales Management, Mortgage Lending, Retail Banking, Loan Origination, Lines Of Credit, Mortgage Banking, Credit Risk, Credit Cards, Wealth Management, Risk Management, Refinance, Private Banking, Relationship Management, FHA, Commercial Mortgages, Investments, Branch Banking

Education
UC Berkeley   1999 — 2001
Bachelors, Political Science, International Political Economy

Experience
ENG Lending  November 2012 - Present
American Pacific Mortgage   January 2003 - November 2012
Westmark Mortgages   1998 - 2010

Skills
Mortgage, FHA, VA, Loans, Mortgage Lending, Conventional, Mortgage Banking, First Time Home Buyers, VA loans, Refinance, Real Estate, Loan Origination, Residential, Real Estate Financing, Real Estate Economics, USDA, Residential Homes, Investment Properties, VA Loans

Education
Oregon State University

Experience
Expeditors  October 2014 - Present
American Pacific Mortgage   April 2013 - October 2014
Radarworks  June 2011 - March 2013
Radarworks  June 2011 - June 2012
Gruman & Nicoll Public Relations   October 2010 - February 2011
Mars Hill Church  August 2009 - September 2010

Education
University of Washington
Graduate Certificate, Project Management

Seattle Pacific University   2009 — 2012
Bachelor of Arts (B.A.), Communications (Journalism); Business Admin. Minor

Experience
American Pacific Mortgage   December 2014 - Present

Skills
FHA, Refinance, Mortgage Lending, USDA, Mortgage Banking, VA loans, FHA financing, First Time Home Buyers, Residential Mortgages, Investment Properties, Loan Origination, Loans, Real Estate, Reverse Mortgages, Short Sales, REO, Residential Homes, Credit, Construction Loans, Real Estate Economics

Education
San Jose City College

Experience
Pinnacle Capital Mortgage Corp  April 2013 - Present
Pinnacle Capital Mortgage Corp  March 2013 - Present
Wells Fargo Home Mortgage  April 2012 - April 2013
Bank of America  May 2011 - December 2011
American Pacific Mortgage   August 2010 - November 2010
Home Legal Source, APC   June 2009 - August 2010

Skills
Loans, Loan Origination, Software Documentation, Mortgage Lending, FHA, Loan Servicing, USDA, Analysis, Portfolio Management, Management, Loan Modifications, Customer Service, Default, Mortgage Banking, Refinance, CRM, Residential Mortgages, Quality Assurance

Education
San Diego Mesa College   1980 — 1981
Applied Arts, Accounting

La Jolla High   1973 — 1976

University of California, Santa Barbara

Experience
American Pacific Mortgage   January 2015 - Present
American Pacific Mortgage   March 2013 - Present
American Pacific Mortgage   February 2013 - Present
The Pampered Chef  February 2012 - September 2013
De La Muse Salon & Spa   February 2010 - March 2013
Pottery Barn  October 2007 - February 2011

Skills
Organization &..., Cooking, Customer Service, Marketing Strategy, Sales, Newsletters, Fashion, Inventory Management, Time Management, Process Scheduler, Customer Satisfaction, Merchandising, Business Development, Social Networking, Team Building, Social Media, Microsoft Excel, Retail, Event Planning, Real Estate

Education
Sierra College
Business/Real Estate

Experience
American Pacific Mortgage   May 2014 - Present
Guild Mortgage Company  October 2008 - May 2014
Rainier Pacific Mortgage Company   1993 - 2008
MacPherson's Real Estate   1989 - 1993
Coldwell Banker Residential Brokerage  1986 - 1988

Skills
VA, FHA, Mortgage, Loans, Options, Sales, Sellers, Mortgage Lending, First Time Home Buyers, Mortgage Banking, Mortgage Marketing, REO, Training, Finance, Relocation, Refinance, Real Estate, Management, FHA financing, Residential Mortgages, Customer Satisfaction, FHA Financing, VA Loans

Education
Seattle Prep
High School Diploma, High School

Seattle University
BA Business Administration, Business and Economics

Experience
Diamond Lane Limousine, Inc.   May 2014 - Present
Narada Tech SF   March 2014 - Present
Light Communications, Inc.   October 2012 - February 2014
American Pacific Mortgage   February 2011 - May 2012
Nevada Property Mortgage, LLC   March 2009 - August 2010
American Integrity Mortgage Corp   October 2005 - February 2008
Lake Tahoe Mortgage   August 2004 - September 2005
US Financial, LLC   May 2003 - July 2004
Bill Pearce BMW Volvo/Porsche of Reno   April 2002 - April 2003
Worldwide Sales   May 2001 - March 2002

Skills
Mortgage Lending, Team Building, Call Centers, Telecommunications, Training, Microsoft Office, Start-ups, CRM, Cold Calling, Marketing, Loan Origination, Residential Mortgages, Unified Communications, Loans, Call Center Development, Salesforce.com, VoIP, Contact Centers, Selling, Expertise in VoIP/Call..., PowerPoint, Microsoft Excel, Credit, Mortgage Banking, Sales Presentation..., IVR, Customer Retention, Business Excellence, Real Estate, Customer Satisfaction, Calyx Underwriting..., excellent communication..., creating Powerpoint or..., International Sales, Data Management, IP PBX, Act! by Sage CRM..., IVR Communications, Sales

Education
Nichols College   1983 — 1987
BS, General Business Management

Nichols College   1983 — 1987
BS general Business Bachelor of Science, Business Administration

Vermont Academy School   1978 — 1981

Whitby
Finance, General

Experience
American Pacific Mortgage   April 2014 - Present
Peoples Bank  April 2012 - October 2013
KeyBank  October 2010 - April 2012
Mortgage Advisory Group  April 2006 - October 2010
Wells Fargo Home Mortgage  November 2004 - April 2006
Washington Mutual  October 1999 - October 2004

Skills
FHA, Mortgage Lending, Refinance, Loans, VA Loans, Mortgage Banking, Investment Properties, USDA, Real Estate, Credit, Loan Origination, Finance, Residential Homes, Residential Mortgages, Banking, Government Loans, Investors, Volunteer Management, Commercial Lending, Sellers, Commercial Real Estate, Reverse Mortgages, Mortgage Marketing, FHA Financing, First Time Home Buyers, Credit Analysis

Education
University of Washington, Michael G. Foster School of Business   1975 — 1977
BA, Accounting

Shoreline Community College   1973 — 1975
Associate of Arts (A.A.), Business Administration and Management, General

Experience
American Pacific Mortgage   September 2012 - Present

Skills
Mortgage Lending, Refinance, Mortgage Banking, FHA, Residential Mortgages, VA loans, Loan Origination, USDA, FHA financing, Loans, Certified Mortgage..., Credit, Government Loans, Banking

Education
UC Davis   2004 — 2008
BS, Communication, General

Experience
Puget Sound Energy  May 2014 - Present
American Pacific Mortgage   January 2013 - May 2014
Directors Mortgage Inc.   August 2010 - January 2013
American General Financial Services  August 2006 - August 2010

Skills
VA loans, Residential Mortgages, Business Strategy, Loan Origination, FHA, Refinance, Mortgage Banking

Education
University of Colorado at Boulder   2002 — 2006
Sociology

Experience
American Pacific Mortgage   November 2011 - Present
Majestic Mortgage Services, Inc.   June 1995 - May 2004

Skills
Mortgage Lending, Real Estate, Loans, Refinance, Mortgage Banking, VA loans, FHA, REO, Loan Origination, Funding, Foreclosures, Underwriting, FHA financing, Referrals, Commercial Mortgages, Credit, Reverse Mortgages, Construction Loans, Credit Analysis, Residential Homes, Investment Properties, Short Sales, Residential Mortgages, Real Estate Transactions, USDA, Certified Mortgage..., Real Estate Financing, Banking, Investors, Commercial Lending, First Time Home Buyers, Finance, Real Estate Economics, Mortgage Underwriting, Government Loans, Small Business Lending, VA Loans, FHA Financing

Education
University of Oregon   1985 — 1990
BS, Leisure Studies

Reynolds High School   1981 — 1985

Experience
American Pacific Mortgage   June 2014 - Present
Mortgage Advisory Group CL-36212   September 2008 - June 2014
Financial Advantage   2000 - 2007
Metrocellular   1991 - 2001

Skills
Marketing, Refinance, USDA, Customer Service, FHA, Construction Loans, Loans, Mortgage Banking, VA loans, Certified Mortgage..., Mortgage Lending, Public Speaking, FHA financing, Sales, Sales Management, Residential Mortgages, Government Loans, Reverse Mortgages

Education
Metropolitan State College of Denver
Bachelor of Science, Marketing

Experience
Wells Fargo Home Mortgage  July 2015 - Present
Alphaleo Consulting   June 2009 - Present
American Pacific Mortgage   February 2012 - Present
Castle Copy Services, Inc.   January 2012 - October 2013
Flagship Financial Group  January 2009 - August 2011
First Magnus Financial - Charter Funding   May 2005 - March 2007

Skills
Sales Management, Marketing, Business Development, Strategy, Mortgage Lending, Insurance, Sales, CRM, Public Speaking, Program Management, Risk Management, Loans

Education
University of California, Davis   1996 — 2000
BS, American Studies, Political Science

Experience
Eagle Home Mortgage  October 2009 - Present
Alpine Mortgage  October 2008 - October 2009
American Pacific Mortgage   May 2004 - May 2008

Education
Portland Community College   1992 — 1996
General Studies, English

Experience
American Pacific Mortgage   May 2015 - Present
Pinnacle Capital Mortgage Corp  November 2014 - May 2015
Comstock Mortgage  August 2012 - October 2014
Comstock Mortgage  February 2012 - August 2012
Comstock Mortgage  October 2011 - January 2012

Skills
Mortgage Banking, Refinance, FHA, Loan Origination, Residential Mortgages, Mortgage Lending, USDA, Credit, VA loans, Mortgage Underwriting, FHA financing, Real Estate Financing, Credit Analysis, Loans, Underwriting, Strategic Planning, Marketing Compliance, Project Planning, Organizational..., Organizational Behavior, Customer Service, Customer Satisfaction, Customer Support, Customer Experience, Leadership, FHA Financing, VA Loans

Education
UC Davis Graduate School of Management   2011 — 2014
MBA, Business, 3.3

UCSB   2007 — 2011
Bachelors, Sociology

Experience
American Pacific Mortgage   September 2015 - Present
First California Mortgage Company  March 2011 - August 2015
SWBC Mortgage  September 2009 - March 2011
Independent Mortgage Company  October 2003 - September 2009
Bobit Business Media  1999 - 2003
The Orange County Register  1997 - 1999

Skills
Investors, Residential Mortgages, Real Estate, Mortgage Banking, VA loans, FHA, Refinance, Residential Homes, Certified Mortgage..., Real Estate Transactions, Mortgage Lending, FHA financing, USDA, Loans, REO, Loan Origination, First Time Home Buyers, Short Sales, Construction Loans, Government Loans, Reverse Mortgages, Real Estate Financing, Mortgage Underwriting, FHA Financing, VA Loans

Education
University of Hawaii at Manoa   1994 — 1997
B.A, Broadcast Journalism

Experience
American Pacific Mortgage   September 2013 - Present
Notary Closings   September 2002 - Present
MID AMERICAN MORTAGE   March 2000 - August 2002
Creve Couer Mortgage   May 1994 - February 2000

Skills
Loans, Wholesale, Credit, Retail, FHA, Mortgage Lending, Mortgage Banking, Sales Management, Underwriting, Loan Origination, Refinance, Business Planning, VA loans, Sales, Risk Management, Management, Customer Service, VA Loans, Team Building

Education
Southern Illinois University, Edwardsville   1984 — 1989
BS, BUSINESS MANAGEMENT

Experience
Rio Bravo Greeley Unified School District   June 2008 - Present
American Pacific Mortgage   April 2003 - Present
TEKsystems  January 2003 - June 2004
TEKsystems, an Allegis Group Company   1997 - 2003
Aerotek  1997 - 2000
Aerotek, an Allegis Group Company   1995 - May 1997

Skills
Talent Acquisition, Technical Recruiting, Applicant Tracking..., Recruiting, Vendor Management, Account Management, Sales, Leadership, Internet Recruiting, Temporary Placement, CRM, Sourcing, Management, Cold Calling, Staffing Services

Education
University of California, Santa Cruz   1989 — 1993
Bachelor of Science (BS), Cell/Cellular and Molecular Biology

University of California, Santa Cruz

Experience
American Pacific Mortgage   November 2014 - Present
Rocky Mountain Mortgage Specialists   April 2014 - October 2014
Complete Capital Services   October 2013 - October 2014
5280NRG LLC   August 2013 - April 2014
Proficio Mortgage Ventures, LLC  January 2011 - July 2013
Syndicated Solar  January 2009 - January 2011
Integrated Mortgage Services   May 2007 - January 2010
Paramount Home Loans   May 2004 - April 2007
Rocky Mountain Mortgage Specialists   January 1999 - January 2002
CSM Futures Group   January 1996 - January 1999

Skills
Banking, FHA, Investment Properties, Loan Origination, Foreclosures, Finance, Loans, Credit, Mortgage Lending, Marketing, Management, Real Estate, Refinance, Sales, Residential Homes, Selling, Short Sales

Education
University of Colorado Boulder   1988 — 2004
B.A., Economics and Marketing

Experience
American Pacific Mortgage   March 2000 - Present
Burroughs Corporation  1977 - 1986

Skills
First Time Home Buyers, FHA, VA loans, Reverse Mortgages, Conventional, Mortgage Planning, USDA, Mortgage Banking, Refinance, Purchase, Investment Properties, FHA financing, Government Loans, Loans, Mortgage Underwriting, Loan Origination, Residential Mortgages, Mortgage Lending, Certified Mortgage..., Real Estate Transactions, Sellers, Real Estate, Construction Loans, Credit, Real Estate Financing

Education
University of Arizona
Bachelor's degree, Finance

Experience
American Pacific Mortgage   May 2015 - Present
Valassis  April 2014 - December 2014
Safety One Training International Inc.   August 2013 - February 2014
Trulia  October 2012 - June 2013
ServiceSource  November 2010 - October 2012
High Country Kombucha   May 2009 - September 2010

Skills
Sales, Salesforce.com, Account Management, Cold Calling, Sales Process, Sales Management, Selling, Solution Selling, Lead Generation, SaaS, Direct Sales, Sales Operations, B2B, CRM, Marketing, Social Media Marketing, Advertising, Marketing Communications, Microsoft Office, Microsoft Excel

Education
University of Northern Colorado   2005 — 2009
Bachelor of Arts (B.A.), Communication/Legal Studies

Experience
Chase  July 2014 - Present
Chase  May 2013 - May 2014
Chase  July 2011 - May 2013
Chase  October 2010 - July 2011
American Pacific Mortgage   September 2008 - October 2010
Full Spectrum Lending  February 2006 - August 2008
Full Spectrum Lending  February 2005 - February 2006

Skills
Mortgage Lending, Mortgage Banking, Banking, Management, Finance, Loans, Credit, Sales Management, Sales, Loss Mitigation, Marketing, Customer Service, Microsoft Excel, Training, Account Management, Credit Analysis, Real Estate, Business Development, Supervisory Skills, Process Improvement, Operations Management, Short Sales, Customer Service..., Supervisory Experience, Modifications, Statistics, Community Reinvestment..., Event Planning, Financial Education, Nonprofits, Forecasting, Corporate FP&A, Loan Origination

Education
Indiana University - Kelley School of Business   2012 — 2015
Master of Business Administration (M.B.A.), Finance, General

Indiana University - Kelley School of Business   1999 — 2003
Bachelor of Science (B.S.), Finance and Real Estate

Experience
Hanks Baseball/Softball Academy, Extra Innings, Premier Performance Training   January 2012 - Present
TxNL Inc.   2007 - December 2013
American Pacific Mortgage   March 2009 - January 2011
Coldwater Creek  January 2006 - August 2007
Kohl's Department Stores  September 2003 - September 2005
Gap Inc.  August 1989 - June 2003

Skills
Employee Relations, Leadership, Talent Acquisition, Social Media, Customer Service, Personnel Management, Management, Training, Team Leadership

Education
Oregon State University   1981 — 1985
B.S., Health and Human Performance

Experience
American Pacific Mortgage   April 2015 - Present
Carrington Mortgage Services  March 2014 - April 2015
The Lending Company  December 2010 - February 2014
SRSW   February 2009 - October 2010
SRSW   February 2009 - October 2010
PointeHilton Resorts   1998 - 2006

Skills
FHA, Mortgage Lending, Refinance, Investment Properties, USDA, Real Estate, Loans, First Time Home Buyers, Residential Homes, Sales, Loan Origination, Mortgage Banking, Residential Mortgages, FHA financing, Credit

Education
University of Southern California   2006 — 2009
BA, Social Sciences, Economics

Universidad Veracruzana   2005 — 2005

Experience
American Pacific Mortgage   July 2015 - Present
Absolute Mortgage  September 2012 - July 2015
Cobalt Mortgage  May 2011 - September 2012
Ulrich Financial   June 2002 - August 2009
Loan Network LLC  2006 - 2007
1st American Mortgage  2002 - 2006

Skills
Mortgage Lending, FHA, Residential Mortgages, Mortgage Banking, Loans, Credit, Underwriting, Banking, Negotiation, New Business Development, Sales Management, Customer Service, Refinance, Certified Mortgage..., VA loans, USDA, Loan Origination, Mortgage Marketing, Government Loans, Debt Consolidation, Construction Loans, FHA financing, Financial Structuring, Commercial Mortgages, Home Equity Loans, Credit Analysis, USDA Rural Housing, First Time Home Buyers, Mortgage Servicing, Real Estate Financing, Finance, Home Equity Lines of..., Loan Servicing

Education
University of Phoenix   2010 — 2012
Associates, Business and Arts

Experience
Premier Mortgage Resources  Branch ManagerPremier Mortgage ResourcesSeptember 2015 - Present
American Pacific Mortgage   November 2011 - September 2015
Alliance Mortgage Capital, DBA American Pacific Mortgage   November 2011 - December 2011
Cherry Creek Mortgage  December 2009 - November 2011
Eagle Home Mortgage  December 2006 - December 2009
Countrywide Home Loans  April 2006 - December 2006
Spokane Home Ownership Resource Center: SHORC   March 2005 - November 2006
Eagle Home Mortgage  May 2005 - April 2006
GMAC Mortgage  December 2003 - May 2005
Pacific Northwest Title  August 2003 - December 2003

Skills
Refinance, Reverse Mortgages, VA loans, FHA, First Time Home Buyers, USDA, Residential Homes, Mortgage Lending, Residential Mortgages, Mortgage Banking, Underwriting, Debt Consolidation, Home Equity Lines of..., Loan Origination, Commercial Mortgages, Construction Loans, Real Estate, Condos, Credit, Mortgage Underwriting, VA Loans, Single Family Homes, Banking, Investors, Real Estate Transactions, Loans, Investment Properties, Buyers, HUD, Government Loans, FHA financing, Certified Mortgage..., Mortgage Marketing, Foreclosures, Lines Of Credit, Investments, Home Equity Loans, Small Business Lending, Funding, Real Estate Economics, Short Sales, Finance, Commercial Lending, REO, Closings, Credit Analysis, Real Estate Financing, Business Development, 203K, Title Insurance

Education
Spokane Falls Community College   1996 — 1998
N/A, Graphic Design, Athletic Training

United State Marine Corps   1993 — 1994

Central Valley High School   1990 — 1993
Diploma

Experience
American Pacific Mortgage   August 2013 - Present
American Pacific Mortgage   May 2010 - August 2013
Mountain West Financial, Inc.   May 2009 - May 2010
Mortgage Magic   September 2005 - May 2009

Skills
Customer Service, Training, Leadership, Credit, Mortgage Banking, First Time Home Buyers, Loan Origination, Management, Time Management, Finance, Real Estate Economics, Sales, Selling, Residential Homes, Real Estate, FHA Financing

Education
Sierra College   2012 — 2014

Experience
Santa Clara County  January 2015 - Present
American Pacific Mortgage   August 2013 - December 2014
Red Dog Underwriting LLC   April 2011 - April 2013
Maggiano's Little Italy  June 2006 - December 2010
Outback Steakhouse  June 2004 - February 2006

Skills
Commercial Insurance, Trucking, Underwriting, Insurance, Customer Service, Insurance Management..., Commercial Trucking, Government Filings, Communication Skills, Time Management, Comfortable working..., Process Improvement, Outlook, Microsoft Word, Microsoft Excel, Multi Tasking, Risk Analysis, Building Relationships, Project Management, Employee Management, Streamlining..., Loss Prevention..., Microsoft Office, Data Analysis, Quote Preparation, Binders, Administrative..., Escalations Management, Employee Training, Executive Support, Active Listening, Auditing

Education
San Jose State University   2003 — 2008
Bachelor of Arts (B.A.), Behavioral Sciences

Experience
American Pacific Mortgage   June 2015 - Present
Granite Bay Golf Club  March 2013 - Present
Rolling Hills Country Club  June 2011 - August 2012

Skills
Customer Service, Microsoft Word, Microsoft Office, Microsoft Excel, Teamwork, Event Planning

Education
Sierra College   2013 — 2015
Business Economics

Granite Bay High School   2012 — 2013

Ralston Valley High School   2009 — 2012

Experience
Fairway Independent Mortgage Corporation  July 2015 - Present
Guild Mortgage  June 2015 - July 2015
Guild Mortgage  April 2014 - June 2015
American Pacific Mortgage   April 2013 - April 2014
Axia Home Loans  November 2012 - April 2013
Bath & Body Works  November 2011 - November 2012
Safeway  April 2011 - November 2011
Safeway  June 2006 - May 2011
CB Richard Ellis  October 1999 - June 2006

Skills
Mortgage Lending, First Time Home Buyers, Residential Mortgages, FHA Financing, Conventional Financing, VA Loans, Government Loans, USDA Rural Housing, Customer Service, Real Estate, Sales, Internal Communications, Strategic Planning, Marketing Strategy, Management, Strategic Communications, Marketing, Project Management, Training, Retail, Budgets, Advertising, Recruiting, Team Leadership, Leadership, Leadership Development, Coaching, Social Networking, Public Relations, Analysis, Fundraising, Policy, Event Planning, Teamwork, Employee Relations, Event Management, Nonprofits

Education
University of Puget Sound
Business

Experience
Vanguard Properties, Inc   February 2015 - Present
Wine Country Group Realtors by Better Homes and Gardens Real Estate  April 2013 - February 2015
American Pacific Mortgage   September 2005 - September 2007
Simplified Inc.   November 1999 - September 2005

Skills
Customer Service, Comparative Market..., Real Estate, Real Estate Transactions, Seller Representation, First Time Home Buyers, Sales, Wine, Exclusive Buyer..., Real Estate Marketing, REO, Social Media Marketing, Luxury Real Estate, Residential Mortgages, Santa Rosa Real Estate, Healdsburg Real Estate, Geyserville Real Estate, Cloverdale Real Estate, Santa Rosa Realtor, Windsor Realtor, Windsor Real Estate, Healdsburg Realtor, Geyserville Realtor, Cloverdale Realtor, Short Sales, Country Property, Investment Properties, Wineries, FHA, Luxury, Sellers, Selling, Wine Tasting

Education
East Union High School   1991 — 1994

Santa Rosa Junior College
Viticulture and Enology

Experience
Summit Funding, Inc.   November 2014 - Present
American Pacific Mortgage   December 2013 - October 2014
Capital Educators FCU  January 2012 - December 2013
Capital Mortgage LLCMortgage   2010 - 2012
360 Mortgage Group  November 2010 - November 2011
MetLife Home Loans  May 2007 - February 2010
Source Mortgage   June 2005 - May 2007
National Fidelity Mortgage  January 2003 - January 2005

Skills
Non-Conforming, FNMA, Calyx Point, Residential Mortgages, Loan Origination, Mortgage Lending, FHA financing, Refinance, Credit, Mortgage Banking, Wholesale Lending, Mortgage Servicing, Real Estate, Post Closing, USDA Rural Housing, Home Equity, RESPA, Fannie Mae, Credit Unions, Purchase Financing, Encompass, Investment Properties, Second Mortgages, Mortgage Insurance, Closings, Loans, USDA, Credit Analysis, Mortgage Underwriting

Education
University of Phoenix   2010 — 2013
Associate of Arts (A.A.), Foundations of Business

South Knox High School   1993 — 1999

Experience
American Pacific Mortgage   June 2009 - Present

Skills
Mortgage Lending, Mortgage Banking, FHA, Investors, FHA financing, Loan Origination, Refinance, Residential Mortgages, USDA, Loans, First Time Home Buyers, Investment Properties

Education
Sierra College   2010 — 2011

Roseville High School   2006 — 2009
High School

Experience
American Pacific Mortgage   November 2010 - Present
Cedar Mortgage  December 2002 - November 2010

Skills
Refinance, FHA, First Time Home Buyers, Investment Properties, Mortgage Banking, Mortgage Lending, Mortgage Marketing, Move Up Buyers, USDA, FHA financing, VA loans, Reverse Mortgages, Residential Mortgages, Government Loans, Loans, VA Loans, REO, FHA Financing

Education
Palomar College   1986 — 1988
General Education

Blackford

Experience
American Pacific Mortgage   2014 - Present
Citi  2013 - March 2014
Vitek Mortgage Group  September 2012 - May 2013
Wells Fargo Home Mortgage  May 2010 - September 2012

Skills
Insurance, Mortgage Lending, FHA, Mortgage Banking, Refinance, Loan Origination, Loans, Residential Mortgages, VA loans, FHA financing, Credit, Banking, Credit Analysis, Underwriting, Real Estate Transactions, Education, Marketing Strategy, Investors, Mortgage Marketing, Real Estate Economics, Reverse Mortgages, USDA, Building Strong..., FHA Financing, VA Loans

Education
UC Davis   1994 — 1997
Bachelor of Science (BS), Psychology

University of Santa Clara
Master's degree, Business Administration and Management, General

Experience
American Pacific Reverse Mortgage Group   March 2013 - Present
American Pacific Mortgage   November 2009 - March 2013

Skills
Mortgage Banking, Mortgage Lending, Leadership, FHA, Residential Mortgages, Refinance, Loans, Credit, Loan Origination, Investment Properties, USDA, Banking, Underwriting, Real Estate Financing, Real Estate

Education
Minnesota State University, Mankato   2004 — 2008
Bachelor of Science (B.S.), Criminal Justice and Corrections

Experience
American Pacific Mortgage   September 2015 - Present
Finet Mortgage of Saratoga   January 2012 - September 2015
Omni Mortgage Company, Inc.   January 2011 - January 2012
Vintgage Financial Home Loans   May 2003 - December 2010

Skills
First Time Home Buyers, Investment Properties, Budgets, Mortgage Lending, Real Estate, Loans, Refinance, Real Estate Transactions, Banking, Finance, Buyer Representation, Customer Service, REO, Referrals

Education
Northeastern University

Experience
American Pacific Mortgage   August 2015 - Present
Markey Capital   November 2014 - Present
Opes Advisors  July 2011 - December 2014
Absolute Mortgage Banking  July 2011 - December 2014
The Loan Source, Inc. / WesternBancorp   July 2010 - July 2011
Diversified Captial Funding   May 1999 - July 2010
Home Service Associates   July 1996 - July 1999
Colonial Bancorp   March 1994 - July 1996
Citibank  February 1990 - March 1996

Skills
FHA, Mortgage Lending, VA loans, Investment Properties, Loans, Investors, Refinance, Banking, Selling, Mortgage Banking, Short Sales, Real Estate, Customer Service, Single Family Homes, First Time Home Buyers, Finance, Loan Origination, Sellers, REO, Foreclosures, 1031 Exchanges, Real Estate Financing

Education
University of California, Los Angeles   1987 — 1988

Experience
Windermere Real Estate  July 2015 - Present
Portland Fit - USA Fit   March 2004 - Present
CTL Corporation  October 2014 - March 2015
Pre Approve Me LLC   January 2014 - September 2014
Brandefined  July 2013 - October 2013
COUNTRY ® Financial  January 2012 - April 2013
Big River Mortgage   July 2008 - January 2012
American Pacific Mortgage   September 2009 - December 2011
Indymac Bank  August 2007 - August 2008
American Home Mortgage  November 2006 - August 2007

Skills
Mortgage Lending, Loans, Investment Properties, Refinance, Real Estate, FHA, Account Management, Strategic Planning, Sales, Credit, Customer Service, Negotiation, Auto Insurance, Home Insurance, Life Insurance, Disability Insurance, Retirement Planning, College Education..., Long Term Care Insurance, Business Owner Planning, Commercial Protection..., Investing, Annuities, Real Estate Investor, Insurance, Training, Fixed Annuities, Small Business, Investments, Financial Services, Finance, Marketing, Marketing Strategy, Social Media, Leadership, Business Development

Education
Linfield College   1994 — 1998
BA, Communications

Mark Morris High School   1990 — 1994
Diploma

Experience
American Pacific Mortgage   January 2011 - Present
Cedar Mortgage Company, Inc.   January 2008 - December 2010
Empire Equity Group  January 2005 - December 2008
Big Brother & Big SIsters   2000 - 2005
Amerimac EquiFirst Mortgage   January 2001 - December 2004
Coast Residential Funding   1991 - 2000

Skills
Mortgage, Mortgage Lending, Mortgage Planning, Loans, First Time Home Buyers, FHA, Residential Mortgages, Loan Origination, Refinance, Conventional, Mortgage Banking, Public Speaking, Conforming, Mortgage Industry, Purchase, Real Estate, Reverse Mortgages, Investment Properties, Condos, VA, Home, Residential, Short Sales, VA loans, First Time Buyers, Real Estate Finance, Foreclosures, Credit, Real Estate Investment, Investors, Relocation, Rates, Loan Structuring, FHA financing, Government Loans, Real Estate Financing, Non-Conforming, Debt Consolidation, Banking, HUD, Real Estate Transactions, Move Up Buyers, Home Equity Lines of..., Finance, Certified Mortgage...

Education
University of California, Santa Cruz   1987 — 1991
Bachelor's Degree, Business/Managerial Economics

Experience
Abstrax Productions   1987 - Present
American Pacific Mortgage   September 2015 - Present
Legacy Marketing Group  January 2006 - April 2010
The Annuity Store   June 1999 - October 2005
United States Marine Corps  May 1991 - May 1998

Skills
Marketing, Sales, Advertising, Management, Training, Insurance, Marketing Communications, Social Media, Fixed Annuities, Strategic Planning, Recruiting, Retirement Planning, Employee Benefits, Email Marketing, Public Speaking, Time Management, Life Insurance, Term Life Insurance, Health Insurance, Long-term Care, Retirement, Small Business, Leadership, Disability Insurance, Strategic Financial..., Account Management, Underwriting, Investments, Financial Services, Marketing Strategy, Team Building, Lead Generation

Education
Sacramento City College
Associate of Arts (A.A.), Social Sciences / Economics

Experience
American Pacific Mortgage   May 2014 - Present
Guarantee Mortgage  January 2012 - May 2014
First California Mortgage Company  September 2011 - December 2011
Land Home Financial Services  June 2010 - September 2011
Greenpoint Mortgage (a Capital One company)   April 2006 - October 2007
Paul Financial LLC  June 2005 - March 2006
Greenpoint Mortgage  July 2001 - June 2005
GreenPoint Mortgage  August 1998 - July 2001

Skills
Mortgage Lending, Process Improvement, Loans, FHA, Mortgage Banking, Refinance, Management, Leadership, Analysis, Underwriting, Credit, Loan Origination, Agile Methodologies, Real Estate, Training

Education
Sonoma State University   2009 — 2010
Single Subject Teaching Credential, Mathematics

University of Minnesota-Duluth   1990 — 1992
BBA, Management

Petaluma High School

Experience
American Pacific Mortgage  

Skills
Mortgage Banking, Marketing, Mortgage Lending, Loans, Loan Origination, Credit, FHA, First Time Home Buyers, Investment Properties, Real Estate, Refinance, Residential Mortgages

Education
San Diego State University-California State University   1980 — 1985
Speech Communication, Business, Management, Marketing, and Related Support Services

Experience
American Pacific Mortgage   July 2012 - Present
TD Bank Group  November 2011 - July 2012
Homeowners Mortgage  January 2010 - November 2011
Wells Fargo Home Mortgage  March 2008 - January 2010
Indymac Bank  May 2003 - October 2007
Advantage Medical Billing   September 2000 - May 2003
The Money Store  January 1996 - September 2000

Skills
Customer Service, Accounting, Mortgage Banking, Mortgage Lending, Negotiation, Portfolio Management, Banking, Credit, FHA, Refinance, Residential Mortgages, Credit Analysis, Loans, Mortgage Underwriting, Government Loans, Underwriting, FHA Financing

Education
The University of North Dakota   1990 — 1995
BBA, Financial Management

Experience
American Pacific Mortgage   November 2013 - Present
Mason McDuffie  March 2011 - November 2013

Skills
Mortgage Lending, FHA, Sales Management, Mortgage Banking, Loans, Loan Origination, Residential Mortgages, Funding, Loan Servicing, USDA, Credit, Refinance, FHA financing, Mortgage Underwriting, Reverse Mortgages

Education
St. Mary's College of California   1991 — 1995
Bachelor's degree, Political Science and Government

Experience
American Pacific Mortgage   October 2013 - June 2015
Republic Mortgage  August 2012 - October 2013
Umpqua Bank  March 2012 - August 2012
Kitsap Bank  December 2010 - March 2012
Kitsap Credit Union  July 2009 - December 2010
Net Star Mortgage   February 1998 - July 2009

Skills
Mortgage Lending, Loan Origination, Residential Mortgages, Refinance, Credit, Mortgage Banking, Loans

Education
Tacoma Community College   1983 — 1989
Associate's degree

Experience
American Pacific Mortgage   June 2015 - Present
Wells Fargo  July 2014 - January 2015
JPMorgan Chase  August 2006 - July 2014
Ameriquest  September 2004 - August 2006

Skills
Mortgage Banking, Mortgage Lending, Loans, Loan Origination, Credit, Residential Mortgages, Refinance, FHA, Banking, Credit Analysis, VA Loans, First Time Home Buyers, Investment Properties, FHA Financing, Sales, USDA, Leadership, Insurance

Education
University of Colorado Colorado Springs   1998 — 2002
Bachelor's Degree, Business

Experience
Paramount Equity  October 2014 - Present
JPMorgan Chase  August 2013 - October 2014
Wells Fargo Home Mortgage  February 2013 - August 2013
Bank of America  July 2006 - January 2013
American Pacific Mortgage   March 2004 - June 2005

Skills
Mortgage Servicing, Credit Reporting, Processing, FHA financing, Mortgage Lending, mortgage, Mortgage Modification, Home Equity Lines of..., Sales, Real Estate, Real Estate Transactions, Real Estate Financing, Second Mortgages, VA loans, Manufactured Housing

Education
MTI Business College Inc   2002 — 2004
Microcomputer Operations, 3.5

Experience
American Pacific Mortgage   August 2013 - Present

Skills
Customer Service, Marketing, Real Estate, Social Media, Sales, Short Sales, Contract Negotiation, Negotiation, Social Media Marketing, Budgets, Advertising, Marketing Strategy

Education
Northwest Nazarene University   2011 — 2013
Bachelor of Science (BS), Business Administration and Management, General

Experience
American Pacific Mortgage   July 2014 - Present
Wells Fargo Home Mortgage  April 2013 - June 2014
Bank of America Home Loans  September 2012 - January 2013
Bank Of America Home Loans  July 2011 - August 2012
Bank of America Home Loans  May 2009 - June 2011
Countrywide/Bank of America Home Loans   July 2008 - May 2009
Countrywide/Bank of America Home Loans   April 2007 - July 2008
Countrywide/Bank of America Home Loans   June 2003 - April 2007
Star Mountain Mortgage   March 2002 - May 2003
Centex Home Equity  June 2000 - February 2002

Skills
Mortgage Lending, Quality Management, Leadership, Team Building, Change Management, Process Improvement, Fulfillment Management, Mortgage Underwriting, Performance Management, Government Loans, Loans, Customer Service, USDA, VA loans, Banking, Credit, Credit Risk, FHA, Mortgage Banking, Refinance, Loan Origination, Management, Operations Management, Sales, Training, Underwriting, Residential Mortgages, Credit Analysis, FHA financing, Consumer Lending, Construction Loans, VA Loans, FHA Financing

Education
University of Pittsburgh   1987 — 1991
BA, Finance & Management

Green Belt Six Sigma

Experience
American Pacific Mortgage   May 2015 - Present
Axiom Financial  November 2013 - Present
Ranlife Home Loans  July 2012 - Present
Security National Mortgage  June 2011 - July 2012
Bank of America  August 2009 - June 2011

Skills
FHA, Real Estate, Mortgage Lending, Underwriting, Short Sales, REO, Home Equity Loans, Loans, Refinance, Loan Origination, Sellers, USDA, Residential Mortgages, FHA financing, VA loans

Education
Hillcrest High School   1986 — 1989

Salt Lake Community College

Experience
American Pacific Mortgage   2010 - Present
Manteca Auto Plaza, Manteca   March 2005 - 2010
Stockton Dodge   2000 - 2005
Sacramento AT&T   June 1999 - July 2000
Maplewood Apartments   January 1998 - June 1999

Education
Allied School of Business   2009 — 2010
Real Estate

San Joaquin Delta College
General

Experience
Freedom Mortgage  February 2014 - Present
American Pacific Mortgage   December 2013 - February 2014
iFreedom Direct Corporation  July 2010 - November 2013
New Century Mortgage  January 2003 - August 2007
Accredited Home Lenders  May 2001 - January 2003

Skills
FHA, Residential Mortgages, Mortgage Lending, Loans, Funding, First Time Home Buyers, Real Estate, Residential Homes, Loan Origination, Mortgage Banking, Refinance, VA loans, Credit, Home Equity Loans, Real Estate Financing, Government Loans, VA Loans

Education
ITT Technical Institute-San Diego   1991 — 1995
Bachelor of Science (BS), Electrical, Electronic and Communications Engineering Technology/Technician

Miami University   1987 — 1989
Associate of Arts (AA), Educational Leadership and Administration, General

Experience
American Pacific Mortgage   2013 - Present
American Pacific Mortgage   March 2012 - Present
Patelco Credit Union  August 2007 - November 2011

Skills
Capital Markets, Financial Statements, Account Reconciliation, General Ledger, Research, Team Building, Process Improvement, Problem Solving, Microsoft Office, Accounts Payable, Banking, Financial Analysis

Education
University of Phoenix   2008 — 2009
Master, Business and Administration

University of Gdansk   1989 — 1994
Poland, History

Experience
American Pacific Mortgage   November 2009 - Present
Sierra Pacific Mortgage  March 2008 - January 2009
GreenPoint Mortgage  March 1997 - November 2007

Education
San Diego State University-California State University
Bachelor of Science (BS), Finance, General

Experience
CMG  January 2013 - Present
Prudential Real Estate Professionals  2007 - 2015
American Pacific Mortgage   August 2012 - November 2012
Iparadigms/Turnitin   2009 - 2012
Wells Fargo (Temp)   2006 - 2009
Capital Alliance  2004 - 2006
Wells Fargo  2003 - 2004
Washtenaw Mortgage  1999 - 2003
Provident Credit Union  September 1988 - September 1998

Skills
FHA, Call Centers, Sellers, Short Sales, Real Estate, Selling, First Time Home Buyers, Banking, Investment Properties, Mortgage Lending, Credit, Refinance, VA Loans, Loans, Sales, Residential Mortgages, Loan Origination, Mortgage Banking

Education
Real Estate School
Real Estate Sales Agent, Real Estate

Skyline College
AA Business, Business Administration and Management, General