BNC Mortgage
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BNC Mortgage Employees
M&T Bank July 2011 - Present
BARCLAYS BANK OF LONDON, EQUIFIRST January 2006 - June 2009
BNC Mortgage June 2002 - January 2006
Skills
Loans, Mortgage Lending, Credit, Mortgage Banking, FHA, Loan Origination, Refinance, Credit Analysis, Banking, Residential Mortgages, Finance, Jumbo Mortgage, VA LENDING, First Time Home Buyers, Purchasing real estate, Short Sales, Underwriting
Education
University of Notre Dame 1990 — 1992
Master of Business Administration (M.B.A.), Finance, General
The College of Wooster 1984 — 1988
Bachelor of Arts (B.A.), Liberal Arts and Sciences, General Studies and Humanities
Horizon Technology December 2013 - January 2015
Self-employed 2006 - December 2013
BrandOptimal May 2013 - September 2013
EnglishMajor.com May 2011 - August 2011
Capessa.com September 2008 - March 2009
BNC Mortgage 2002 - 2002
Skills
Solution Selling, Hardware, New Business Development, Enterprise Technology..., High Technology Sales, Account Management, LCD, Hard Drives, Blogging, Social Media Marketing, SEO, Social Networking, Editing, Web Content, E-commerce, Public Relations, Web Analytics, WordPress, Sales, Sales Management, Management
Education
University of Nevada-Las Vegas, William S. Boyd School of Law 2004 — 2006
Juris Doctor, Law
The University of New Mexico School of Law 2003 — 2004
Juris Doctor (J.D.), Law
University of Southern California 1997 — 2001
Bachelor of Arts, English Literature/Creative Writing
UC Irvine September 2013 - Present
Sprint 2007 - 2008
New Century Mortgage 2006 - 2007
BNC Mortgage 2005 - 2006
Microsoft Corporation 2000 - 2005
Skills
SQL
Education
University of California, Los Angeles 1993 — 1997
Civil Engineering
Coco, Early & Associates January 2014 - Present
People's United Bank October 2011 - October 2014
Methuen Cooperative Bank February 2006 - October 2011
American Home Mortgage June 2005 - February 2006
BNC Mortgage January 2005 - June 2005
Eastpointe Mortgage July 2003 - January 2005
Skills
Real Estate, Real Estate Financing, Real Estate Transactions, Loans, Mortgage Lending, Financial Services, VA loans, Investments, Commercial Lending, Retail Banking, Underwriting, Loan Origination, Commercial Banking, FHA, Customer Service, Credit, Securities, Retirement, Mortgage Banking, Sales, Lines Of Credit, Management
Education
University of Massachusetts Lowell 1998 — 2008
BSBA
Methuen High School 1994 — 1998
JPMorgan Chase & Co. January 2015 - Present
Real Estate Appraisers / Real Estate Brokers March 2014 - December 2014
J.P.Morgan Chase May 2013 - March 2014
Bank of America June 2007 - March 2013
Old San Juan Real Estate & Loans, Inc. November 2005 - June 2007
Parker Real Estate Appraisal Services November 2005 - May 2007
Lehman Brothers June 2003 - November 2005
BNC Mortgage February 2002 - June 2003
Fremont Investments and Loans February 1999 - February 2002
Ameriquest Mortgage February 1998 - March 1999
Education
University of Louisville
Master of Fine Arts (MFA) and Bachelor of Arts (BA), Theatre and Fine Art
Saddleback Church March 2015 - Present
Medoxi Software Solutions June 2011 - Present
Greenlight Loans June 2014 - March 2015
RPR 2011 - 2012
Private Access, Inc. April 2008 - June 2011
Lehman Brothers April 2006 - December 2007
BNC Mortgage 2006 - 2007
Bank of America September 2005 - April 2006
Finance America 2004 - 2005
FieldCentrix, Inc 1998 - 2004
Skills
SDLC, Enterprise Software, Software Development, Leadership, IT Strategy, SQL, Agile Methodologies, Business Analysis, C#, System Architecture, REST, Enterprise Architecture, Start-ups, ASP.NET, Business Intelligence, ERP, CRM, Data Warehousing, Web Services, XML, Cloud Computing, SOA, Architecture, Web Development, ASP.NET MVC, Data Modeling, Software Architectural..., Software Solution..., MongoDB, Microsoft SQL Server, Azure, Amazon EC2, IT Solutions, CSS Javascript, Web Content Management, CMS, XML Schema, XSLT, Identity Federation, Identity Management, Cryptography, Executive Reporting, Consolidated Reporting, SQL Azure, Windows Azure, Mobile Product..., Business Process
Education
University of California, Irvine 1998 — 2000
Bachelor of Science (BS), Computer and Information Sciences, General
Karen Yeppe Jemaran 1989 — 1992
CDW January 2008 - Present
BNC Mortgage 2005 - 2007
CFIC Home Mortgage 2004 - 2005
Argent Mortgage Company 2004 - 2005
Alliance Financing Mortgage Corp 2003 - 2004
Skills
Social Networking
Education
University of Illinois at Chicago 1995 — 2000
Bachelor of Science, Statistics and Operations Research
Liberty Mutual Insurance December 2007 - Present
BNC Mortgage June 2007 - October 2007
First Horizon National Corporation February 2007 - May 2007
Mortgage Lenders Network March 2006 - January 2007
EquiFirst 2002 - 2005
Skills
Underwriting, Accountability, Mortgage Lending, Loans, Sales, Account Management, Customer Service, Sales Management, Marketing, Insurance, Negotiation, Strategic Planning, New Business Development, Business Development, Real Estate, Team Building, Project Management, Budgets, Process Improvement, B2B, Small Business, Finance, Training, Cold Calling, Sales Process, Coaching, Marketing Strategy, Leadership, Banking, Time Management, Employee Benefits, Selling, Property & Casualty..., Networking, Human Resources, Direct Sales, Customer Retention, Salesforce.com, Program Management, Mortgage Banking, Fixed Annuities, Life Insurance, Customer Satisfaction, Management, Term Life Insurance, Sales Presentations, Sales Operations, Disability Insurance, Financial Services, Umbrella Insurance
Education
University of Georgia - Terry College of Business 1996 — 1999
Bachelors in Business Administration, Real Estate & Risk Management
Marist School 1989 — 1996
High School, Economics, History, English
LoanStar Home Lending April 2015 - Present
Alarys Home Health July 2013 - October 2014
Dave & Buster's September 2010 - February 2013
Golden Door Spa at The Boulders Resort May 2008 - September 2010
Lime Financial November 2004 - March 2006
EquiFirst July 2004 - October 2004
Homecomings Financial April 2004 - June 2004
BNC Mortgage January 2003 - April 2004
The Seidler Companies 1994 - 1996
Nabisco Biscuit Company May 1993 - September 1994
Skills
New Business Development, Account Management, Selling, Leadership, Sales, Microsoft Word, Sales Operations, Marketing, Marketing Strategy, Management, Business Development, Sales Process, Event Planning, Sales Management, Strategic Planning
Education
University of Southern California 1989 — 1993
Bachelor of Science, Business Administration / Marketing
Crocker Middle School
Crocker Middle School
20/20 Financial Advisers, LLC December 2010 - Present
Ameritas Investment Corp. December 2010 - Present
Coverking 2009 - 2009
BNC Mortgage January 2007 - October 2007
Rydek February 2006 - September 2006
Threshold Interactive June 2004 - January 2006
Skills
Strategic Financial..., Retirement Planning, Series 7, Financial Advisory, Insurance, Financial Analysis, Investments, Mutual Funds, LUTCF, Wealth Management, Securities, Term Life Insurance, Estate Planning, Online Trading, Asset Management, Long-term Care, IRAs, Roth IRA, 401k, 401k Rollovers, Stocks, ETFs, Tax-advantaged..., 529 Plans, Fixed Annuities, Variable Annuities, Indexed Annuities, Equity Indexed Annuities, Life Insurance, Permanent Life Insurance, Life & Health Insurance..., Irrevocable Life..., Licensed Life Insurance..., Defined Benefit, Personal Financial..., Capital Preservation, Wealth Accumulation..., Wealth Management..., Wealth Preservation..., Intergenerational..., Social Security, Income Protection, Qualified Retirement..., Critical Care, Final Expense Planning, Life Protection, Building Relationships, Charitable Trusts, Disability Income..., Finance
Education
University of Southern California - Marshall School of Business 2008 — 2010
MBA, Entrepreneurship & Finance
University of California, Los Angeles 2000 — 2004
Bachelor of Arts (BA), Economics
CertaPro Painters of Severna Park March 2015 - Present
Independent Contractor, Performance Arts 1983 - Present
Loan Protector Insurance Services, A Willis North America Company July 2012 - March 2015
Allrisks, Ltd. December 2009 - April 2012
M Point Mortgage Services April 2009 - November 2009
Primary Residential Mortgage May 2008 - April 2009
Indymac Bank July 2006 - 2007
NovaStar Mortgge February 2000 - July 2006
Novastar Mortgage Inc 2000 - 2006
BNC Mortgage 1998 - 2000
Skills
REO, bank owned property, lender placed property, mortgage impairment, CPI, lender placed flood, Real Estate investor..., Mortgage Industry, Mortgage Lending, Property, Commercial Real Estate, Residential Homes, Loans, Continuous Improvement, Underwriting, Real Estate Transactions, Insurance, FHA, Mortgage Banking, Asset Management, Banking, Sales, Real Estate, Leadership, Foreclosures, Management, Credit, Financial Services, Risk Management, Commercial Insurance, Finance, Residential Mortgages, Brokers, Loan Origination, Property & Casualty..., Selling, Portfolio Management, Financial Risk, Investments, Executive Management, Property Management
Education
University of Baltimore 1993 — 1995
BS, Business Administration
Edgewood High School 1980 — 1983
Towson University
Wells Fargo Home Mortgage May 2012 - Present
Clayton Services June 2010 - May 2012
Allstar Limousine and Transportation November 2007 - June 2010
BNC Mortgage August 2006 - August 2007
Master Financial March 2006 - August 2006
People's Choice Home Loan March 2002 - March 2006
Aames Home Loan April 1998 - March 2002
Skills
Credit, Loans, Underwriting, Training, Recruiting, Management, Sales, Performance Management, Customer Service, Software Documentation, Mortgage Lending, Mortgage Banking, Loan Origination, Analysis, Loss Mitigation, Team Building, Finance, Risk Management
Education
Portland State University 2012 — 2016
Bachelor of Science (B.S.), Social Psychology, 3.3 GPA
University of Phoenix 2010 — 2012
Associate of Arts (A.A.), Business Administration and Management, General, 3.3 GPA
Cocoa Beach High School 1986 — 1990
HS Diploma
PennyMac January 2012 - Present
Prospect Mortgage LLC July 2011 - February 2012
Prospect Mortgage, LLC August 2010 - July 2011
Bank of America Corporation December 2009 - August 2010
Liberty Lending, inc. October 2007 - March 2008
GreenPoint Mortgage April 2006 - November 2007
BNC Mortgage 2003 - 2005
Homecomings Financial July 2002 - 2003
Ingram Micro July 1999 - June 2001
Los Angeles Unified School District May 1991 - May 1995
Education
WVOC 2009 — 2010
NABCEP, Advanced Photovoltaics
University of Phoenix
Business
BNC Mortgage 2007 - 2007
Education
University of California, Irvine 2000 — 2003
B.A.
Fay Servicing August 2011 - Present
LNR Consultants, Inc. April 2009 - November 2011
InterBank Mortgage Company March 2008 - August 2009
Lehman Brothers 2002 - 2007
BNC Mortgage 2002 - 2007
Skills
Sales Management, Sales, Loans, Mortgage Lending, CRM, Strategy, Training, Loan Origination, Credit, Management, Analysis, Banking, Business Strategy, Negotiation, Sales Presentations, B2B, Mortgage Banking, Underwriting, Customer Service, Leadership, Financial Analysis, Residential Mortgages, Refinance, Finance
Education
University of Illinois at Chicago 1998 — 2003
Benet Academy 1993 — 1997
Chase Home Lending May 2009 - Present
US Mtg Holdings LLC 2007 - 2008
BNC Mortgage October 2004 - July 2007
American First Mortgage Services 1991 - 1995
Skills
Account Management, Credit, FHA, Customer Service, Loan Origination, Loans, Mortgage Banking, Mortgage Lending, Sales, Team Building, Underwriting, Microsoft Excel
Education
University of Oregon 1984 — 1990
Bachelor's degree, Sociology & Business
Koroseal Interior Products Group February 2011 - Present
Contract Wallcoverings March 2008 - February 2011
BNC Mortgage May 2004 - October 2007
Education
University of San Diego 1979 — 1983
One Source Credit Reporting February 2009 - August 2014
Mortgage Banking Solutions January 2008 - June 2008
Aurora Loan Services December 2006 - January 2008
BNC Mortgage February 2001 - August 2006
Allied Home Mortgage September 1999 - February 2001
RMIC 1978 - 1983
Skills
Loan Origination, Mortgage Banking, Marketing, Sales, Human Resources, Loans, Teamwork, Credit, Management, FHA, Mortgage Lending, Recruiting, Sales Management, Credit Analysis, Negotiation, New Business Development, Refinance, Residential Mortgages, Banking, Account Management, Risk Management, Real Estate, Team Leadership, Sales Process, Financial Services, Underwriting, Microsoft Word, Marketing Strategy, Strategic Planning, Investment Properties, Customer Service, B2B, Investments, Leadership, Insurance, Credit Risk, Portfolio Management, Business Development, Finance, Financial Analysis, Team Building
Education
University of Houston 1964 — 1969
Quality Systems Inc. January 2008 - Present
Irvine Valley College 2012 - 2012
BNC Mortgage 2007 - 2008
Lehman Brothers Bank 2006 - 2007
Sea Breeze Financial 2006 - 2006
Ditech / GMAC Mortgage 2004 - 2006
Ditech.com February 2003 - December 2004
Skills
Financial Analysis, Financial Reporting, Account Reconciliation, Finance, Accounting, Variance Analysis, Internal Controls, Auditing, Payroll, Software Documentation, Journal Entries, Project Management, Training, Sarbanes-Oxley, Competitive Analysis, Bank Reconciliation, Invoicing, Loans, PowerPoint, Sales
Education
University of California, Irvine 1989 — 1994
Southern California University of Health Sciences June 2013 - Present
Adventures by Disney March 2007 - June 2013
delete___ 2010 - 2010
BNC Mortgage January 2006 - March 2007
Johnson Controls October 2005 - January 2006
Pacific Life Insurance Company March 1995 - October 2005
Sun America June 1991 - March 1995
Japan America Theatre 1988 - 1989
Skills
SDLC, C#, ASP.NET, Integration, T-SQL, Visual Basic, Technical Writing, Dreamweaver, Programming, Graphic Design, Visio, Business Analysis, SharePoint, Process Improvement, Agile Methodologies, Software Documentation, Project Management
Education
University of California, Los Angeles 1987 — 1992
BA, English
Channel Islands High School 1984 — 1987
Wells Fargo Home Mortgage September 2010 - Present
ResMAE Mortgage Corporation August 2006 - November 2007
BNC Mortgage April 2000 - August 2006
Long Beach Mortgage August 1991 - August 1997
Skills
Real Estate, Loans, Refinance, Mortgage Lending, Underwriting, Credit
Education
Truman State University 1981 — 1984
Business Administration and Management
ServiceLink Manager PRTCoventry Health Care, an Aetna Company2008 - 2009
Washington Mutual February 2008 - April 2008
BNC Mortgage 2002 - 2007
Mellon Financial 1996 - 2002
Skills
Banking, Customer Service
Education
University of Pittsburgh 1996 — 1997
Bank of America November 2008 - Present
BNC Mortgage LLC, A Lehman Brothers Company 1996 - 2007
BNC Mortgage 1996 - 2007
Skills
Mortgage Lending, Loans, Credit, Loan Origination, FHA, Loss Mitigation, Banking, Refinance, Residential Mortgages, Risk Management
Education
University of Phoenix 2007 — 2009
University of Southern California 1983 — 1985
East Los Angeles College 1980 — 1982
Talmer Bank and Trust February 2014 - Present
Wells Fargo Home Mortgage January 2011 - February 2014
Michigan Mutual, Inc. September 2008 - February 2011
Lehman Brothers Bank July 2007 - March 2008
Lehman Brothers 2007 - 2008
BNC Mortgage September 2000 - July 2007
BNC Mortgage - A Lehman Brothers Company 2000 - 2007
Chase Home Finance 1996 - 1998
Education
University of Michigan-Dearborn 1983 — 1987
FDIC June 2010 - Present
Micah Mortgage Company October 2009 - June 2010
Kelly Financial Resources March 2009 - April 2009
Merrill Lynch Home Loan Services June 2008 - October 2008
BNC Mortgage May 2003 - August 2007
Island Creek Mortgage Corporation January 2001 - May 2003
Skills
Loans, Credit, Underwriting, Banking, Portfolio Management, Real Estate, Risk Management, Due Diligence, Mortgage Banking, Mortgage Lending, Loan Origination, Asset, Microsoft Excel, Mortgage Underwriting, Customer Service, Loss Mitigation, Loan Servicing, Financial Analysis, Credit Analysis
Education
University of Massachusetts, Amherst
Bachelor of Arts (B.A.), Communication
Nationstar Mortgage January 2015 - Present
CCS Medical 2012 - 2014
CCS Medical January 2012 - June 2012
Gentiva Health Services 2008 - 2012
BNC Mortgage January 2000 - July 2006
Skills
Project Management, Project Coordination, Manage Client..., Vendor Management, Financial Reporting, Customer Service, Microsoft Office, Accounts Payable, CRM, Data Tracking, Microsoft Excel, Outlook, Franklin Covey..., Comp TIA Project..., Telecommunications, WAN, Analysis, MPLS, Visio, Process Improvement, Mobile Devices, Software Documentation, Accounting, Wireless, Management, Networking, Account Reconciliation, Contract Negotiation, Strategic Planning, Budgets, Account Management, Invoicing, Databases, Leadership, Team Building, Banking, Auditing, Retail, Policy, Employee Relations, Compliance
Education
The University of Texas at Dallas
Bachelor of Arts (B.A.), Business Administration and Management
Platinum Residential Services October 2007 - Present
Fieldstone Mortgage Company February 2006 - July 2007
BNC Mortgage January 2005 - February 2006
Education
University of Colorado Denver 1990 — 1992
2yrs Completed, Business Administration
Wachovia Bank/ Wells Fargo Bank October 2009 - Present
Ricky Cruz Carpet Service Inc January 1990 - September 2010
Wachovia, A Wells Fargo Company October 2009 - April 2010
Alliance Bancorp October 2009 - April 2010
The Salinas Californian/ Gannett Co, Inc August 2008 - October 2009
BNC Mortgage, Inc/ Lehman Bros July 2004 - August 2007
BNC MROTGAGE 2004 - 2007
BNC Mortgage 2004 - 2007
Alliance Bancorp 2002 - 2004
Conklin Bros of January 1999 - January 2002
Education
University of Phoenix 2010 — 2012
BA, Marketing
Heald Business College
Accounting Specialist
Wayne's Beauty College
K Force June 2012 - February 2013
Aerotek Commercial Staffing April 2011 - February 2012
Plus Credit Union May 2008 - July 2010
Alliance Mortgage September 2006 - May 2008
BNC Mortgage June 2002 - August 2006
Wells Fargo September 1997 - June 2002
Skills
Fanny Mae, Freddie..., Underwiting., Proficient in..., Superb customer service..., Qualilty..., Manager and team leader..., Underwrite mortgage,..., Proficient...
Education
University of Phoenix 2004 — 2008
Bachelor's of Science, Businessl Administation
Epic Solutions Inc 2009 - Present
fransen and molinaro January 2009 - March 2010
BNC Mortgage December 1996 - August 2007
BNC Mortgage (A Lehman Brothers Company) 1996 - 2007
Skills
Real Estate, Mortgage Lending, Investment Properties, Loans, Mortgage Banking, FHA, Refinance, REO, Loan Origination, First Time Home Buyers, Real Estate Transactions, Real Estate Financing, Residential Mortgages, Short Sales, Real Estate Economics
Education
USC 1967 — 1973
MBA, Finance/ Real Estate
Ramona High School, Riverside, CA 1964 — 1967
BS USC 1971, Business/ Finance
JPMorgan Chase November 2011 - December 2013
Flagstar Bank July 2010 - October 2011
Flagstar Bank May 2008 - June 2010
Creative Mortgage Lending January 2006 - August 2007
FMF Capital September 2003 - November 2005
First Equity Funding May 2002 - September 2003
BNC Mortgage 2000 - 2002
First Mortgage America 1991 - 1993
Skills
Mortgage Lending, Underwriting, Mortgage Banking, Residential Mortgages, Credit, Loans, Mortgage Underwriting, FHA, Loan Origination, Refinance
Education
University of Detroit Mercy 1996 — 1998
Credits earned toward Bachlors degree, Business Administration and Management, General
Oakland Community College 1990 — 1995
Associates - Business Administration, Accounting and Business/Management