Experience
Senior Loan Officer   September 2014 - Present
HomeStreet Bank  January 2014 - September 2014
Kinecta Federal Credit Union  July 2013 - January 2014
Oceanfront Realty and Mortgage   July 2012 - July 2013
US Mortgage  June 2005 - July 2012
Home Loan Consultants  May 2001 - June 2005
Countrywide Home Loans   November 1997 - December 2000
Wells Fargo Home Mortgage  January 1994 - November 1997
JM Oneill Mortgage   January 1991 - January 1994

Skills
FHA, Jumbo loans, Portfolio loans, Self employed borrowers, Mortgage Banking, Real Estate, Loans, Banking, Sellers, Refinance, Mortgage Underwriting, VA loans, FHA financing, Mortgage Lending, Investment Properties, Short Sales, Underwriting, Small Business Lending, REO, Commercial Lending, Loan Origination, First Time Home Buyers, USDA, Residential Mortgages, Real Estate Financing, Foreclosures, VA Loans

Education
San Diego State University-California State University   1987 — 1991
BS, Finance

Experience
Wilshire Bank  March 2015 - Present
Bank of Manhattan N.A.   March 2012 - March 2015
Bank of America  October 2002 - March 2012
Countrywide Home Loans   2002 - 2007
Equant Telecommunications, Inc   May 2002 - October 2002
Global Crossing Telecommunications, Inc  August 2001 - May 2002
UUNET Technologies (An MCI/WorldCom Company)   February 2000 - July 2001
North American Mortgage Company  June 1995 - February 2000

Skills
Mortgage Lending, Mortgage Banking, Loans, Refinance, Investment Properties, Real Estate, First Time Home Buyers, Finance, Leadership, Team Building, Investments, Management, Sales, Contract Negotiation, Recruiting, Loan Origination, Credit, VA loans, Banking, Building Strong..., FHA, FHA financing, Home Equity Loans, Residential Mortgages

Education
San Diego State University-California State University   1986 — 1991
BS, International Business/Marketing

Experience
Banc Home Loans  May 2014 - Present
Wells Fargo Home Mortgage  July 2013 - May 2014
E Mortgage Management, LLC.   March 2012 - July 2013
CS Financial  July 2011 - February 2012
Coldwell Banker Vietnam   September 2010 - June 2011
CSR Asset Management   April 2008 - September 2010
Countrywide Home Loans   2002 - 2008
United States Air Force  1993 - 2000

Skills
Mortgage Banking, Project Management, Residential Mortgages, Network Infrastructure, Network Installation, Enterprise Network..., Network Performance..., Culture Change, Risk Management, Mergers & Acquisitions, CCNA, Microsoft Certified..., Project Planning, MS Project, Process Engineering, Network Engineering, Computer Network..., Network Security, FHA financing, FHA, Refinance, Mortgage Lending, Loans, Investment Properties, Underwriting, Customer Service, Management, FHA Financing, Sales, Investors, Real Estate Transactions, Short Sales

Education
Santa Clara University   1988 — 1992
Bachelor of Science (B.S.), Political Science

Santa Clara University   1988 — 1992
Bachelor of Science (B.S.)

Experience
POPwater  October 2014 - February 2015
Red Bull  December 2013 - October 2014
180 Property Cleaning   January 2011 - December 2013
Unity Courier   August 2008 - July 2012
Academy Mortgage Corporation  February 2008 - January 2011
Countrywide Home Loans   April 2007 - December 2008
American Home Mortgage  January 2006 - April 2007
Waterfield Mortgage  January 2004 - December 2005
Guaranty Residential Lending  April 2003 - January 2004
Longs Drugs  October 2001 - May 2003

Skills
Merchandising, Volunteering, Mortgage Lending, Residential Mortgages, Volunteer Management, Route Analysis, Training, Selling, Introducing New Products, Supervising, Retail Displays, Sales, Customer Service, Marketing, Retail, Leadership, Outside Sales, Beverage Industry, Distribution, Product Marketing, Product Launch, Business Travel, New Product Roll Out, Entrepreneurship, Problem Solving, Customer Relations, Customer Retention, Customer Acquisition, Brand Development, Brand Awareness, Marketing Strategy, Grocery Industry, Direct Store Delivery, Public Speaking, Non-profit Volunteering

Education
San Joaquin Delta College   2010 — 2011
Certificate of Completion CA POST Academy, Homeland Security, Law Enforcement, Firefighting and Related Protective Services

Manteca High School   1996 — 2000
Diploma

Experience
Parkside Lending  July 2015 - Present
Parkside Lending  2011 - Present
Bank of America Home Loans (formerly Countrywide)   2008 - 2010
Bank of America Home Loans  2006 - 2007
Bank of America Home Loans  2005 - 2006
Bank of America  1999 - 2005
Countrywide Home Loans   November 1996 - November 1999

Skills
Mortgage Banking, Mortgage Lending, Loan Origination, Loans, Refinance, Residential Mortgages, Credit, Wholesale Lending, Underwriting, Mortgage Underwriting, Banking, Credit Analysis, First Time Home Buyers, Mortgage Servicing, Customer Satisfaction, Cross Selling, Sales, Residential Homes, REO, Real Estate, Real Estate Economics, Certified Mortgage..., Real Estate Financing, Funding, Investment Properties, Reverse Mortgages, Government Loans, Marketing, Commercial Mortgages, Home Equity Loans, Loan Servicing, Management, Consumer Lending, Mortgage Marketing, Financial Structuring, Cold Calling, Appraisals, Branch Management, Small Business Lending, Selling, Lines Of Credit, Investors, Rates, Investments, Short Sales, Referrals, Finance, Foreclosures, Home Equity Lines of..., Credit Risk

Education
San Diego State University-California State University   1985 — 1992
BS, Business Administration - Finance

San Ramon Valley High School   1980 — 1984
High School Diploma, General Education

Experience
Reverse Mortgage West   August 2015 - Present
Reverse Mortgage Funding LLC  January 2015 - August 2015
Security One Lending  September 2010 - September 2014
Seniors Reverse Mortgage   June 2008 - September 2010
First Horizon Home Loans  February 2008 - June 2008
Countrywide Home Loans   December 2006 - January 2008
Financial Freedom  January 2006 - November 2006
Financial Freedom Senior Funding Corp.  April 2003 - December 2005

Skills
Reverse Mortgages, Mortgage Lending, Residential Mortgages, Mortgage Banking, Loan Origination, Refinance, Loans, FHA, Investments, Sales, Investment Properties, FHA financing, Sales Management

Education
San Francisco State University
BA, Urban Planning

Experience
imortgage  June 2013 - Present
Shelter Mortgage  2012 - June 2013
KB Home  January 2011 - November 2012
L&G Mortgagebanc  2008 - 2011
Countrywide Home Loans   February 2006 - July 2008
UAMC  2004 - 2006

Education
San Diego State University-California State University
Bachelor of Arts (B.A.), Economics

Experience
Commdex Consulting  July 2010 - Present
MBI LLC   January 2001 - May 2010
Countrywide Home Loans   May 1998 - December 2000
Countrywide Home Loans   May 1993 - December 1997

Skills
Customer Relations, Marketing Strategy, Customer Service, Program Management, New Business Development, Lead Generation, Project Management, Marketing, Telecommunications, Management, Market Research, Strategic Planning, Business Strategy, Recruiting, Consulting, Analysis, Process Improvement, Proposal Writing, Online Marketing, Selling, Email Marketing, Leadership, Business Development, Strategic Partnerships, Start-ups, CRM, Strategy, Sales

Education
San Francisco State University
bachelors, Marketing

Washington Baptist Seminary School2009
Bachelors Degree, Seminary Theology

Experience
RPM Mortgage Inc  January 2010 - June 2015
Thornburg Mortgage  January 2008 - June 2009
Bank of America - Wholesale Residential Lending   March 1994 - December 2007
Countrywide Home Loans   August 1991 - February 1994
California Federal Bank  1989 - 1992

Skills
Mortgage Lending, Loan Origination, Mortgage Banking, FHA, Loans, Leadership, Certified Mortgage..., Underwriting, VA loans, FHA financing, Selling, Refinance, Mortgage Underwriting, Real Estate Economics, Credit, Reverse Mortgages, USDA, Real Estate Financing, Credit Analysis

Education
San Diego State University-California State University   1978 — 1982
B.S. Business Administration, Business - Info systems

Marina High School

Experience
Academy Mortgage Corporation  January 2015 - Present
Mpire Booking Agency   January 2007 - December 2014
South University  July 2010 - June 2014
Countrywide Home Loans   June 2007 - January 2010
Aegis Lending Company   August 2004 - April 2007

Skills
Loan Origination, Residential Mortgages, FHA Financing, VA Loans, First Time Home Buyers, Mortgage Lending, Entertainment, Advertising, Talent Booking, Online Marketing, Event Management, Digital Marketing, Music Industry, Entertainment Industry, Tour Management, Live Events, Sales, USDA, Coaching, Leadership, Loans, Refinance, Strategic Planning, Team Building, Leadership Development

Education
South University   2010 — 2014
Bachelors of Business Administration, Business Administration

Scottsdale Community College   2004 — 2007
AS, Business Administration

Experience
American Financial Network, Inc.   May 2015 - Present
Banc Home Loans  January 2013 - May 2015
Bank of America  August 2007 - November 2011
Countrywide Home Loans   February 2000 - October 2005

Skills
Loans, Refinance, FHA, Mortgage Banking, Loan Origination, VA loans, Reverse Mortgages, USDA, Residential Mortgages, Government Loans, Construction Loans, Certified Mortgage..., Mortgage Underwriting, Real Estate Financing, Loss Mitigation, 203K, Home Equity Loans, Mortgage Lending, FHA financing, FHA Financing, VA Loans, First Time Home Buyers

Education
San Jose State University   1983 — 1986
Bachelor's degree, Liberal Arts and Sciences/Liberal Studies, Economics

Hartnell College   1980 — 1983
Associates degree, General Eduation

Salinas High School   1975 — 1979
General Education

Experience
The Venetian  August 2011 - Present
MGM Resorts International  September 2006 - June 2011
Sony Pictures Entertainment  April 2000 - January 2006
Universal Studios  January 2000 - March 2000
GLOBAL RESOURCES CONNECTION   January 1999 - January 2000
Countrywide Home Loans   December 1998 - July 1999
Paramount Pictures  January 1998 - January 1999
PARAMOUNT PICTURES CORPORATION  January 1997 - January 1998
Universal Studios  June 1995 - December 1997
Universal Studios  January 1994 - January 1997

Skills
SDLC, Business Intelligence, CRM, Business Analysis, Business Process, Program Management, Management, Software Documentation, Project Management, Training, Enterprise Software, Project Planning, Quality Assurance, PMO, Budgets, Team Building, Testing, Operations Management, Strategic Planning, Six Sigma

Education
UNLV   2009 — 2014
Master of Science (M.S.), Management Information Systems

University of California, Los Angeles   1988 — 1992
Bachelor's degree, Cognitive Science

Santa Monica College   1986 — 1988
AA, General Science

Experience
Ricoh USA  April 2015 - Present
Teriel Closing Solutions   March 2013 - October 2013
State Farm Insurance  2009 - 2010
State Farm Insurance (For independent agent)   2008 - 2009
Citifinancial  2007 - 2008
American Brokers   2006 - 2006
Countrywide Home Loans   2003 - 2006

Skills
Microsoft Excel, Presentation Design, Access, Visual Basic, Computer Network..., Flash, Administrative...

Education
Solano Community College   2011 — 2013
Associate of Science (A.S.), Computer and Information Sciences and Support Services, 3.27

Solano Community College   1991 — 1995
Associate of Arts (AA), Journalism, 3.16

Experience
PennyMac  March 2012 - Present
Bank of America  January 2008 - March 2012
Countrywide Home Loans   January 1993 - December 2007
Weyerhaeuser Mortgage Company  1983 - 1993

Skills
Mortgage Banking, Mortgage Servicing, Default, Loans, Mortgage Lending, Credit, Leadership, Banking, Loan Origination, Strategy, Credit Risk, Vendor Management, Credit Analysis, Capital Markets, Underwriting, Management, Risk Management, Business Process..., Loan Servicing, Portfolio Management, Loss Mitigation, Consumer Lending, Residential Mortgages, Financial Services, Refinance, FHA, Financial Risk, Mortgage Underwriting, Executive Management, Commercial Lending, VA loans

Education
San Diego State University-California State University   1980 — 1983
BS, Finance

Experience
MUFG Union Bank, N.A.   December 2014 - Present
BNY Mellon  July 2013 - December 2014
BNY Mellon  October 2012 - December 2014
Banana Republic  May 2009 - September 2012
Countrywide Home Loans   February 2007 - September 2007

Skills
Corporate Trust, Electronic Trading, Fiduciary Services, Knowledge Sharing, Document Review, Fund Administration, Fund Accounting, Employee Training, Dependable Team Player, Tenacious Work Ethic, Microsoft Office, Enthusiasm to learn, Financial Risk, Portfolio Management, Finance, Time Management, Bloomberg Terminal, Public Finance, Municipal Bonds, Balance Sheet Review, Trade Compliance, Client Rapport, Organization, Exceptional People..., Proficient Typing Skills, Wealth Management, Financial Analysis, Customer Service, Microsoft Excel, Social Networking, Public Speaking, Management, PowerPoint

Education
University of Phoenix   2010 — 2012
Bachelor of Science (B.S.), Business Administration and Management, General

Santa Monica College   2007 — 2009
Associate of Arts (A.A.), Liberal Arts and Sciences, General Studies and Humanities

Experience
Family Care Visiting Nurse and Home Care Agency, LLC   May 2010 - October 2015
Maxim Healthcare Services, Inc  November 2005 - April 2010
Countrywide Home Loans   January 2005 - November 2005
Aames Home Loan  2002 - 2005
NBA  1999 - 2001

Skills
Healthcare, Administration, Health, New Business Development, Account Management, Recruiting, Home Care, Medicare, Hospitals, Cold Calling, Teamwork, Team Building, Talent Acquisition, Public Speaking, Customer Service, Sales, Strategic Planning, Sales Operations, Building Relationships, Hiring, Healthcare Industry, Marketing, Medicaid, Staffing Services, Interviews, Healthcare Management, College Recruiting, Temporary Placement, Employee Relations, Internet Recruiting, HIPAA, Job Fairs, Sales Presentations, Screening Resumes, Resume Writing, Permanent Placement, Employee Benefits, Management, Applicant Tracking..., System Administration, Relationship Building

Education
Siena College   1996 — 2000
Bachelor of Science, Psychology

Chaminade High School   1992 — 1996
Graduate, High School

Experience
Guaranteed Rate  Sales ManagerWells Fargo Home Loans2007 - 2009
Countrywide Home Loans   2000 - 2009
North American Mortgage Co  1996 - 2000

Education
San Diego State University-California State University   1993 — 1995
Criminal Justice

Experience
St. James Rehabilitation and Healthcare Center   July 2015 - Present
St. James Rehabilitation and Healthcare Center   November 2011 - July 2015
Good Samaritan Nursing Home  January 2011 - May 2011
Oracle Corp.  April 2008 - December 2008
Acronis Inc.  August 2007 - April 2008
Countrywide Home Loans   December 2006 - August 2007
Countrywide Home Loans   December 2004 - November 2006

Skills
Salesforce.com, Competitive Analysis, Data Analysis, Program Management, Healthcare Information..., Medical Devices, Analysis, Budgets, Vendor Management, Start-ups, Social Media, Social Networking, Customer Retention, Business Analysis, Contract Negotiation, Negotiation, Product Marketing, Product Management, Social Media Marketing, Operations Management, Marketing Communications, Entrepreneurship

Education
State University of New York College at Plattsburgh   2015 — 2017
Bachelor's degree, Registered Nursing/Registered Nurse

Suffolk Community College   2014 — 2015
Associate of Arts and Sciences (AAS), Registered Nursing/Registered Nurse

Eastern Suffolk Boces School of Practical Nursing   2010 — 2011
Diploma, Licensed Practical Nursing

Salve Regina University   2000 — 2004
BS, Financial Management

Experience
Avalon Mortage Co.   March 2005 - Present
RESD   1997 - 2010
Countrywide Home Loans   1993 - 2005
Signature Funding  1993 - 1994

Skills
Mortgage Banking, Mortgage Lending, Loan Origination, FHA, Refinance, Loans, VA loans, Residential Mortgages, Government Loans, FHA financing, USDA, Non-Conforming, Credit, First Time Home Buyers, Credit Analysis, Certified Mortgage..., Commercial Lending, Banking, Investment Properties, Consumer Lending, Loan Servicing, Property Management, Real Estate, Reverse Mortgages, Mortgage Underwriting, Residential Homes, Construction Loans, Real Estate Transactions, Sales, Foreclosures, Short Sales

Education
San Diego State University-California State University   1987 — 1991
Bachelor of Applied Science (B.A.Sc.), Marketing

Experience
Countrywide Home Loans   November 2000 - April 2008

Education
Santa Clara University   1976 — 1980
Bachelor's, Business

Experience
Strategic Systems, Inc.   September 2014 - Present
TEKsystems  May 2008 - August 2014
Countrywide Home Loans   September 2001 - May 2008

Skills
Technical Recruiting, Sales, Training, Leadership, Access, Contract Recruitment, IT Service Management, Healthcare, Information Technology, Microsoft Office, Agile Methodologies, Staffing Services, Internet Recruiting, Project Management, SDLC, Recruiting, Lotus Notes, Disaster Recovery, Consulting, Management, SQL, Program Management, ITIL, Vendor Management, Teamwork, Requirements Analysis, Process Improvement, Databases, Account Management, IT Strategy, SharePoint, Visio, Software Project..., Requirements Gathering, Business Analysis, Team Leadership, Business Development, Finance, Microsoft SQL Server, Software Documentation, Business Process, Data Analysis, Business Intelligence, Applicant Tracking..., Salesforce.com, Contract Negotiation, Temporary Placement, Cold Calling, PMP, Change Management

Education
Slippery Rock University of Pennsylvania   1993 — 1999
B.S., Chemistry, Minor in Physics

Experience
Citibank  August 2012 - Present
Metlife Home Loans  June 2011 - January 2012
Wells Fargo Bank - Builder Division   December 2008 - June 2011
Bank of America  October 2006 - December 2007
Countrywide Home Loans   July 2006 - November 2007
PREMIER Real Estate Financial Services   May 1992 - June 2006

Skills
FHA, Sellers, Banking, Refinance, Loans, Mortgage Banking, Customer Service, Short Sales, VA loans, First Time Home Buyers, Strategic Planning, Down Payment Assistance, Real Estate, Negotiation, Mortgage Lending, Credit, Loan Origination, Investment Properties, Residential Mortgages, Team Building, Real Estate Financing, Investments, USDA, Contract Negotiation, Sales, FHA financing, Certified Mortgage..., Residential Homes, Reverse Mortgages, Commercial Lending, Commercial Mortgages, Construction Loans, Consumer Lending, Credit Analysis, Finance, Government Loans, Foreclosures, Home Equity Lines of..., Home Equity Loans, Investors, Loan Servicing, Loss Mitigation, Mortgage Marketing, Mortgage Servicing, Mortgage Underwriting, Real Estate Economics, Real Estate Transactions, Referrals, Underwriting, Selling

Education
San Jose State University   1988 — 1990
B.S. International Business, European Studines

Leland High Scool   1977 — 1978
General Education, Class of 1978

Experience
Bank of America  January 2008 - Present
Countrywide Home Loans   January 1993 - November 2007

Education
San Diego State University-California State University   1976 — 1980
B.S., Business-Finance

Experience
Bank of the West  July 2012 - Present
Wells Fargo  May 2011 - July 2012
Comerica Bank  February 2008 - May 2011
Countrywide Home Loans   2007 - 2007
First Horizon Home Loans  April 2001 - July 2006
Bay Federal Credit Union  1997 - 2001

Skills
Banking, Loan Origination, Commercial Banking, Loans, Mortgage Lending, Consumer Lending, Lines Of Credit, Small Business Lending, Commercial Lending, Credit, Financial Services, Commercial Real Estate, Credit Analysis, Financial Analysis, Refinance, Retail Banking, Cross Selling, Residential Mortgages, Business Development, Credit Risk, Real Estate Financing, Sales, Relationship Management, Sales Management, Leadership, Coaching, New Business Development, Branch Management, Strategic Planning, Finance, Cash Management

Education
Santa Clara University   1995 — 2000
BS, Economics

Experience
One Trust Home Loans  March 2014 - Present
BluFi Lending now Freedom Mortgage   July 2012 - March 2014
Citibank  May 2011 - July 2012
Magnifund Group  July 2008 - May 2011
Countrywide Home Loans   April 2006 - July 2008
Center Capital Funding   April 1996 - July 2006
Transamerica  1989 - 1996

Skills
Mortgage Banking, FHA, Refinance, Mortgage Lending, Loan Origination, Loans, Sales Management, Marketing, Strategic Planning, New Business Development, Business Development, Sales

Education
San Diego State University-California State University   1983 — 1988
BA, Public Administration

Experience
Kinitro   August 2007 - Present
JP Morgan Chase  April 2009 - April 2013
Innovative Merchant Solutions, an Intuit Co.   June 2006 - July 2007
Countrywide Home Loans   March 2001 - March 2005

Education
San Diego State University-California State University   2005 — 2007
B.S., History

Experience
Mortgage Master  July 2012 - Present
Digital Risk, LLC  October 2009 - July 2012
Florida Hospital  December 2008 - January 2010
Wells Fargo Home Mortgage  July 2009 - October 2009
Countrywide Home Loans   August 2007 - February 2008
American Home Mortgage  2007 - 2007
CTX Mortgage  2006 - 2007
America's First Home  2003 - 2007

Skills
FHA financing, HAMP, Harp, VA loans, Quality Auditing, Sales, Mortgage Banking, Underwriting, Loan Origination, FHA, Refinance, Customer Service, Mortgage Lending, USDA, Microsoft Office, Residential Mortgages, Loans, Mortgage Underwriting, Financial Risk, Commercial Lending, First Time Home Buyers, Short Sales, Real Estate, Credit Analysis, Construction Loans, Foreclosures, Investment Properties, REO, Residential Homes, Credit, Risk Management, Loss Mitigation, Real Estate Economics, Banking, Portfolio Management, Reverse Mortgages, Real Estate Transactions, Government Loans, Condos, Financial Analysis

Education
Florida Hospital College of Health Science
Nursing

Seminole State College of Florida

Experience
Urban Financial Group of America, LLC.   October 2012 - Present
Bank of America  September 2009 - April 2011
Countrywide Home Loans   January 2005 - September 2009

Skills
Wealth Strategies for..., Transforming Home..., Finance

Education
San Diego State University-California State University   1983 — 1986
Bachelor of Arts (B.A.), Exercise Physiology & Sport Performance

Experience
Startup Weekend  February 2015 - Present
MyLLC.com   January 2007 - Present
Start Up Conejo Valley   February 2015 - Present
Startup Weekend Bordeaux   May 2015 - May 2015
Startup Weekend Paris   May 2015 - May 2015
Startup Weekend Lyon-Food Edition   May 2015 - May 2015
DGP Media Group, Inc.   March 2007 - March 2014
Intuit-MyCorporation Business   January 2004 - December 2006
Countrywide Home Loans   January 2000 - December 2003
Paragon Implant Company   January 1997 - November 2001

Skills
Venture Capital, Asset Protection, Start-ups, Online Advertising, Strategic Planning, New Business Development, Marketing Strategy, Social Media, Social Media Marketing, Sales Management, Entrepreneurship, E-commerce, Brand Development, Management, Marketing, SEO, Small Business, Strategic Partnerships, Social Networking, Sales, Leadership, Advertising, Business Planning, Mobile Marketing, Web Marketing, Lead Generation, Sales Operations, Online Marketing, Business Development, Public Speaking, Product Management, Strategy, Customer Service, Public Relations

Education
Santa Monica College   1998 — 2001
Business Marketing

Experience
AGS Health  January 2015 - Present
The CSI Companies  January 2014 - November 2014
Kforce Healthcare, Inc.   June 2012 - July 2013
Sensible Micro Corporation  January 2010 - November 2011
First Nationwide Lending   December 2008 - December 2009
Fifth Third Bank  February 2008 - December 2008
Countrywide Home Loans   June 2003 - October 2007

Skills
Microsoft Office, Microsoft Excel, Microsoft Word, Sales, Account Management, Recruiting, Staffing Services, Contract Recruitment, IT Recruitment, Staff Augmentation, Medical Staffing, Solution Selling, C-Level Relationships, Hospitals, Revenue Cycle, Clinical Research, Clinical Trials, Clinical Development, Project Management, Management, Leadership, CRM, Temporary Placement, Training, Interviews, Healthcare Information..., Cold Calling

Education
Sam Houston State University   1997 — 2001
Bachelor's Degree, Criminal Justice/Business Administration

Deer Park High School   1993 — 1997

Experience
Maker Capital Group   2005 - Present
Countrywide Home Loans   September 2004 - February 2005
Raising Cane's  September 2003 - September 2004

Education
Texas State University   2006 — 2009
MBA, Business Law

Southeastern Louisiana University   1999 — 2003
BA, Economics

Samford University   1999 — 2000
BS, Chemical Engineering

Experience
Plains Capital Bank  April 2015 - Present
Citi  October 2014 - April 2015
Mutual of Omaha Bank  April 2011 - October 2014
Golden Empire Mortgage dba Countywide Mortgage Escondido, CA   2010 - 2011
Prospect Mortgage, LLC  2009 - 2010
Bank of America  2006 - 2007
Provident Bank  2006 - 2007
Teamwork Mortgage   2001 - 2006
Countrywide Home Loans   1998 - 2001

Skills
Refinance, Loan Origination, Loans, Mortgage Lending, Credit, Mortgage Banking, Banking, Credit Analysis, Residential Mortgages, Jumbo Mortgage, Government Loans, FHA, VA loans, Mortgage Underwriting, Data Integrity, Microsoft Office, Lotus Notes, Loan Origination...

Education
San Francisco State University   1993 — 1998
Psychology, Abnormal Psych

Rancho Buena Vista H.S.   1989 — 1993

Experience
Opes Advisors, Inc.   September 2015 - Present
Princeton Capital  September 2007 - September 2015
Coldwell Banker Real Estate  1996 - 2008
Countrywide Home Loans   2005 - 2007

Skills
FHA, Mortgage Banking, Mortgage Lending, Loans, Refinance, Loan Origination, Residential Mortgages, Credit, USDA, First Time Home Buyers, Investment Properties, VA loans, Real Estate Financing, FHA financing, REO, Real Estate Transactions, Certified Mortgage..., Reverse Mortgages, Mortgage Underwriting, Investments, Finance, Underwriting, Referrals, Real Estate, Loss Mitigation, Short Sales, Real Estate Economics, Foreclosures, Credit Analysis

Education
Santa Clara University   1982 — 1986
Bachelor of Science, Commerce, Finance

Saint Francis High School   1978 — 1982

Experience
Verizon Wireless  April 2010 - Present
Verizon Wireless  January 2008 - April 2010
Countrywide Home Loans   June 2007 - September 2007
T-Mobile  January 2005 - May 2007
Sprint  July 2003 - December 2004

Skills
Direct Sales, Wireless, Customer Satisfaction, Sales, Telecommunications, Customer Experience, Customer Service, Retail, Mobile Devices, Team Leadership, Employee Training, Customer Retention

Education
San Diego State University-California State University   2001 — 2003
Bachelor of Science, Criminal Justice

Experience
Caliber Home Loans  June 2014 - Present
Guaranteed Rate  September 2009 - June 2014
Wells Fargo Home Mortgage  October 2007 - September 2009
Countrywide Home Loans   September 2003 - September 2007

Skills
Mortgage Lending

Education
San Diego State University-California State University   1996 — 1998
Bachelor's Degree, Criminal Justice

Experience
Booz Allen Hamilton  February 2014 - Present
Fluor  January 2013 - February 2014
Substance Abuse and Mental Health Services Administration, Department of Health and Human Services   July 2012 - December 2012
US Army  January 2011 - July 2012
US Army  September 2009 - January 2011
U.S. Army Corps of Engineers Philadelphia District   September 2008 - August 2009
ADP  February 2007 - May 2008
Countrywide Home Loans   June 2005 - February 2007

Skills
Public Affairs, Strategic Communications, Internal & External..., Media Relations, Army, DoD, Spokesperson, Social Media, Crisis Communications, Speech Writing, Military, Press Releases, Communications Planning, Internal Communications, Policy, International Relations, Crisis Management, Government, Newsletters, Public Relations, Corporate Communications, Program Management, Strategy, Leadership, Public Speaking, Message Development, Training, Communication Training, Public Policy, Politics, National Security, Policy Analysis, Community Development, Political Campaigns, Proposal Writing, Intelligence, Project Planning, Defense, Editing, Security Clearance, Community Outreach, Journalism, Legislative Relations, Messaging, Interviews, Publicity, Copy Editing, Reputation Management, Writing, Strategic Planning

Education
University of Oklahoma   2011 — 2013
M.A., International Relations

Santa Clara University   2001 — 2005
B.S., Political Science

Experience
Advantage Credit, Inc.   February 2014 - August 2015
Vitek Mortgage Group  August 2013 - January 2014
North State BIA   2012 - 2014
Partners Mortgage  April 2012 - August 2013
Big Valley Mortgage  July 2007 - April 2012
American Pacific Mortgage  July 2007 - April 2012
Countrywide Home Loans   June 2006 - July 2007
Washington Mutual Home Loans  June 2004 - July 2006
Bank of America  January 2003 - March 2005
Downey Savings  May 2003 - June 2004

Skills
Business Development, New Business Development, Credit, Team Leadership, CRM, Sales, Lead Generation, Leadership, Mortgage Lending, Loans, Mortgage Banking, Refinance, Certified Mortgage..., Residential Mortgages, Loan Origination, Finance, Sales Management, Management, Real Estate Financing, FHA Financing, FHA

Education
Sierra College
ASSOCIATE, BUSINESS ADMINISTRATION

Experience
Classy.org  November 2013 - January 2015
The Active Network  December 2011 - October 2013
The Active Network  August 2010 - November 2011
Mitchell International  May 2008 - May 2010
Countrywide Home Loans   June 2006 - May 2008
HSBC/Beneficial  March 2005 - June 2006

Skills
Triathlon, Endurance, Social Networking, SaaS, Solution Selling, New Business Development, Enterprise Software, Social Media, Selling, Strategy, Account Management, Marketing, Sales, B2B, Direct Sales, Lead Generation, Analytics, Cold Calling, Product Management, Team Building, CRM, Sales Process, Salesforce.com, Strategic Partnerships, Email Marketing, Product Marketing, Sales Presentations, Online Advertising, Sales Operations, Customer Retention, Competitive Analysis, Business Development, Trade Shows, Online Marketing, E-commerce, Professional Services

Education
San Diego State University-California State University   2000 — 2004
Bachelor of Arts

Experience
Union Bank  January 2012 - Present
MetLife Home Loans  June 2010 - January 2012
Bank of America  2004 - 2009
Countrywide Home Loans   2004 - 2009
Toastmasters - Rye in Bellevue   2003 - 2006

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

Education
San Diego State University-California State University   1988 — 2001
Corporate Finance, Business Administration and Management, General

Ephrata High

Experience
John Deere Landscapes  April 2014 - Present
Oldcastle, Inc.   November 2012 - January 2014
Deloitte  January 2011 - November 2012
The News Group  April 2010 - January 2011
American Home Mortgage Servicing, Inc.   September 2008 - March 2010
Countrywide Home Loans   January 2004 - September 2008
Applause, LLC  August 1998 - November 2003
Petersen Publishing  September 1995 - August 1998
Pepperdine University  June 1988 - September 1995

Skills
Management, Leadership, Process Improvement, Administration, Recruiting, Strategy, Project Management, System Administration, Employee Relations, Visio, Outlook, Corporate Events, Hiring, Process Scheduler, Event Planning, Travel Planning, Vendor Management, Spreadsheets, PowerPoint, Customer Service, Human Resources

Education
Santa Monica College   1982 — 1984
AA, Zoology, Marine Biology

Experience
Precise Land Surveying  April 2011 - February 2012
Pacific Union Financial  2010 - 2011
Mortgage Banking Solutions   June 2009 - January 2010
Allied Home Mortgage Capital Corporation  2007 - 2008
SouthStar Funding  2004 - 2007
Netco Title  2003 - 2004
Countrywide Home Loans   2001 - 2003
Fujitsu Business Communications Systems  1999 - 2001
Dictaphone  1997 - 1999

Skills
CRM, Sales Process, Strategy, Business Development, Sales

Education
San Antonio College
Associate of Science in Electronics Coursework

Experience
Prospect Mortgage, LLC  August 2010 - Present
Bank of America  April 2009 - July 2010
Countrywide Home Loans   July 2008 - April 2009
World Savings  June 2006 - July 2008
Wachovia, A Wells Fargo Company  2006 - 2008
Homebridge Mortgage Bank   September 2005 - July 2006
Latin American Book Company   2004 - 2006
VLB Properties & Creative Financing   February 2005 - December 2005
Libros and Books Etc   May 2003 - January 2005
Fondo de Cultura Económica   July 2000 - May 2003

Skills
Bilingual-Spanish, Mortgage Lending, Change Management, Loan Origination, Mortgage Banking, Residential Mortgages, Loans, Refinance, FHA, Credit, First Time Home Buyers, VA loans, Short Sales, Real Estate Financing, Investment Properties, Sales, Construction Loans, Banking, Government Loans, Marketing, Home Equity Loans, Finance, USDA, FHA financing, Sales Management, Credit Analysis, VA Loans, FHA Financing

Education
San Diego State University-California State University
BA, Business Administration

University of La Verne
BA, Business Administration

Experience
ACN  May 2008 - Present
Elite Professionals of Austin   September 2007 - Present
Countrywide Home Loans   May 2006 - September 2007
Ameriquest  2003 - 2006

Education
San Joaquin Delta College   1997 — 1999

Experience
Countrywide Home Loans   1995 - 2003

Skills
Fine Art, Art, Contemporary Art, Painting, Mixed Media

Education
School of Visual Arts
Bachelor's degree, Fine/Studio Arts, General

Experience
Molina Healthcare  October 2013 - Present
Apria Healthcare  December 2007 - October 2013
Amgen  July 2006 - October 2007
Toyota Motor Sales  2005 - 2006
Keane  2001 - 2006
PacifiCare Health Systems / United Healthcare   2002 - 2005
Countrywide Home Loans   2001 - 2002
TATA Consultancy Services  1990 - 2001

Skills
Vendor Management, SDLC, PMP, Process Improvement, Program Management, IT Strategy, Outsourcing, Team Management, PMO, Change Management, Business Process..., Business Analysis, Project Management, Project Portfolio..., Strategy, Software Project..., Leadership, IT Management, Integration, ITIL, Agile Methodologies, Management, Strategic Planning, Service Delivery, Cross-functional Team..., Business Intelligence, Business Process...

Education
Sardar Patel University   1986 — 1990
BS

Central School   1974 — 1986

Experience
Obvius Holdings, LLC   2012 - Present
Quantum3D Inc.  March 2007 - May 2010
Countrywide Home Loans   January 2005 - January 2007

Skills
New Business Development, Account Management, Accounting, Business Development, Forecasting, Negotiation, Product Management, Sales Management, Strategic Planning, Training

Education
San Jose State University   1999 — 2001
BA, Fine Arts

Experience
Peninsula West   April 2011 - Present
CAMPBELL AVENUE ASSOCIATES   June 2007 - January 2011
Campbell Avenue Associates   2007 - 2008
Countrywide Home Loans   January 2005 - May 2007
Countrywide Home Loans   January 2005 - May 2007
Countrywide Home Loans   January 2005 - May 2007
Wells Fargo Home Mortgage  December 2003 - January 2005
CITY OF SAN JOSE DEPT OF TRANSPORTATION   November 2002 - October 2003
Wells Fargo Bank  September 1998 - January 2002
Del Mar High School Girl's   December 2000 - March 2001

Skills
Loans, Budgets, Access, Management, Real Estate, Customer Service, Mortgage Lending, Training

Education
San Jose State University   2000 — 2002

Allied Real Estate School

Kaplan University
MBA, Finance

San Jose State University
BA, SOCIOLOGY; CRIMINOLOGY

Experience
Amend Networks   May 2012 - Present
mobileStorm, Inc   January 2008 - September 2009
Bank of Arizona  December 2005 - December 2007
Countrywide home loans   April 2003 - December 2005
WAMU  January 2000 - March 2003
Town & Country Credit  January 1998 - January 2000

Skills
Digital Marketing, Lead Generation, Salesforce.com, Mobile Marketing, Marketing, Strategy, Account Management, Online Advertising, New Business Development, Email Marketing, Online Marketing, Strategic Partnerships, Sales Management, Sales, SEM, CRM, E-commerce, Social Media Marketing, B2B, Mobile Devices, Digital Strategy, Business Development, Social Media, Social Networking, Business Strategy, Advertising, Direct Marketing, Strategic Planning, Mobile Applications, Market Analysis, Multi-channel Marketing, Interactive Marketing, Marketing Strategy

Education
San Jose State University
B.S., Hospitality Management

Saratoga High School

Experience
Gabe Orozco Real Estate @ Coldwell Banker   2000 - Present
The University Club  2010 - 2012
New Vista Asset Management / New Vista Realty   2008 - 2010
Citi Mortgage  2007 - 2008
NAHREP  2005 - 2008
Countrywide Home Loans   2004 - 2007
Acoustic Home Loans  2002 - 2004
Aegis Wholesale Corporation  1999 - 2002

Skills
Short Sales, Foreclosures, Real Estate, REO, Loans, Listings, VA, FHA, Selling, Sales, Negotiation, Investors, Customer Service, Mortgage Lending, Property, Residential Mortgages, Investments, Finance, Real Estate Transactions, Single Family Homes, Investment Properties, VA Loans

Education
Southwestern College   1982 — 1985
Business Admin

San Diego State University-California State University
Business

Experience
Guaranteed Rate  January 2009 - Present
Countrywide Home Loans   November 2000 - December 2008

Education
San Diego State University-California State University   1990 — 1994

Experience
Bank of America  May 2012 - Present
Nationstar Mortgage  November 2011 - May 2012
Nationstar Mortgage  August 2011 - November 2011
Saxon Mortgage  October 2005 - August 2011
Saxon Mortgage  2005 - 2007
Countrywide Home Loans   2001 - 2005

Skills
Mortgage, Compliance, Auditing, Quality Assurance, Problem Solving, Mortgage Banking, Mortgage Lending, Loans, Data Analysis, Research, Risk Management, Default, Mortgage Servicing, Internal Audit, Vendor Management, Loan Origination, Loan Modifications, Process Improvement, Banking, Loss Mitigation, FHA, Financial Services, Residential Mortgages, Credit, Operational Risk..., Loan Servicing, Underwriting, Management, Analysis, Mortgage Underwriting

Education
Utica College   2012 — 2015
Master of Business Administration (MBA), Economic Crime & Fraud Management

San Jose State University
Bachelor of Science, Aviation Operations

Experience
Countrywide Home Loans   December 2001 - November 2007
Wells Fargo Home Mortgage  October 1997 - December 2001
First Security Bank  May 1997 - October 1997

Education
Salt Lake Community College   1992 — 1993

Utah State University   1980 — 1981

Experience
Bank of America  October 2009 - Present
Countrywide Home Loans   2003 - 2009
Fidelity National Financial  2000 - 2003
Bank of America  1993 - 2000

Skills
Mortgage Lending, Credit Analysis, Mortgage Underwriting, Residential Mortgages, SDLC, Business Process..., Process Improvement, PMO, Mortgage Banking, Analysis, Banking, Business Analysis, Business Intelligence, Financial Services, Loan Origination, Loans, Management, Risk Management, Credit Risk, Portfolio Management

Education
San Diego State University-California State University   1981 — 1986
Business Administration, Finance

Experience
Pinata World   REO Sales Division ManagerAshlon RealtyNovember 2008 - Present
Realty Executives Premier  April 2006 - August 2008
Countrywide Home Loans   January 2008 - June 2008
Prudential California Realty  February 2002 - April 2006
Baker & McKenzie  May 2000 - October 2002
Latham & Watkins  December 1995 - April 2000

Education
San Diego State University-California State University   1990 — 1993

Southwest High School   1987 — 1990

Experience
Prospect Mortgage, LLC  June 2013 - Present
Prospect Mortgage  November 2008 - April 2009
countrywide home loans   May 2007 - October 2007
genworth  February 2007 - May 2007
The Honte Group   2006 - 2007
American Family Funding  December 2005 - July 2006
Cal Bay Mortgage  October 1998 - December 2005
headway  May 2003 - June 2005

Skills
FHA, Refinance, Mortgage Lending, Mortgage Banking, Loan Origination, Loans, Residential Mortgages, Underwriting, First Time Home Buyers, Investment Properties, Real Estate, Certified Mortgage..., USDA, VA loans, FHA financing

Education
Santa Rosa Junior College
AA, General

Experience
EverBank  June 2012 - May 2013
MetLife Home Loans  September 2008 - June 2011
Indymac Bank  July 2006 - March 2008
Countrywide Home Loans   August 2003 - June 2006
Global Home Loans, A Countrywide Home Loan Company   April 2001 - July 2003
Countrywide Home Loans   May 2000 - April 2001
Countrywide Home Loans   September 1997 - May 2000
Countrywide Home Loans   May 1986 - September 1997

Skills
Loans, Underwriting, Mortgage Banking, Sales Management, Loan Origination, Leadership, Mortgage Lending, Banking, Management, Team Building, Real Estate, Finance, Strategy, Recruiting, Sales, Training

Education
San Diego State University-California State University   1974 — 1978
B.S., Business Administration

Experience
Berkshire Hathaway Florida HS Realty   March 2009 - Present
RE/MAX Realty Group  March 1985 - February 2012
Regions Bank  2006 - 2009
Fifth Third Bank  2000 - 2006
Countrywide Home Loans   1998 - 2000
Colony Mortgage  1993 - 1998
Bank One  1988 - 1993
GMAC Mortgage  1987 - 1988

Skills
FHA, Mortgage Lending, Short Sales, First Time Home Buyers, Purchase, Investment Properties, Home, Condos, Foreclosures, REO, Investors, Single Family Homes, Real Estate, Investments

Education
Sinclair Community College
Accounting & Business

Talawanda High School, Sinclair College
Accounting and Finance

Experience
Wells Fargo Home Mortgage  August 2005 - Present
Countrywide Home Loans   2003 - July 2005

Skills
Banking, Credit, Customer Service, FHA, FHA financing, First Time Home Buyers, Foreclosures, Investment Properties, Investments, Loan Origination, Loans, Mortgage Banking, Mortgage Lending, REO, Real Estate, Refinance, Residential Mortgages, Reverse Mortgages, Short Sales, Underwriting, VA loans

Education
San Jose State University   2000 — 2002
BS, Business Management/Human Resources

Experience
Salas Property   August 2015 - Present
Keller Williams Real Estate  January 2014 - August 2015
Willis Allen Real Estate  September 2007 - January 2014
Countrywide Home Loans   2002 - 2004

Skills
Real Estate, Luxury Homes, Downtown

Education
San Diego State University-California State University   1994 — 1997
B.S., Criminal Justice Administration

Experience
Sony Computers Entertainment America   November 2013 - Present
PRACTICUM: Jack in the Box   March 2013 - May 2013
PRACTICUM: Rady Children’s Hospital   October 2012 - May 2013
Union Bank  September 2010 - November 2012
Guild Mortgage Company  June 2000 - September 2010
Guild Mortgage  June 2000 - September 2010
Wells Fargo (Norwest/WMC)   August 1997 - June 2000
Countrywide Home Loans   March 1997 - August 1997
Countrywide Home Loans   March 1997 - August 1997
Guild Mortgage Company  December 1995 - March 1997

Skills
Mortgage Lending, ADDIE, Loans, Training, mLearning, Software Documentation, Process Improvement, Instructional Design, Public Speaking, FHA, E-Learning, Analysis, Onboarding, Captivate, SharePoint, Coaching, Instructor-led Training, Needs Analysis, Recruiting, SnagIt, Blended Learning, Camtasia, Finance, Technical Training, Learning Management..., Management, Technical Writing, Mortgage Banking, Leadership, Learning Management, Hands-on Training, Performance Consulting

Education
San Diego State University-California State University   2009 — 2013
Master's Degree, Educational Technology/Instructional Systems Design, 4.0

SDSU Internship   2011 — 2011
Dr. Allison Rossett, EdTec Master's Program

San Diego State University   2009 — 2011
Certificate in Instructional Technologies, Instructional Design, 4.0

San Diego State University-California State University
Bachelor of Arts, Liberal Arts and Sciences-English

Experience
RemX Financial Staffing  May 2009 - November 2010
Chase Home Finance  January 2008 - May 2009
Accredited Home Lenders  November 2004 - August 2007
Fleet Mortgage Consultants Inc.   May 1988 - November 2004
Countrywide Home Loans   1995 - 1997
Investors Mortgage Service Co.   November 1985 - April 1988
Arcs Mortgage Company   January 1982 - November 1985

Education
San Diego Miramar Community College   2007 — 2011
Paralegal

San Diego Mesa College
Real Estate

Experience
PwC  June 2014 - Present
KELLER WILLIAMS Realty - Silicon Valley  October 2013 - March 2015
SJ Pools   January 2002 - November 2013
Self  December 2005 - December 2009
PwC  December 2006 - January 2009
Countrywide Home Loans   February 2006 - December 2006
Citi  January 2004 - February 2006
California Savings Bank  January 2002 - January 2004
Enterprise Rent-A-Car  June 2001 - January 2002

Skills
Office Management, Banking, Sales, Pool Service, Mortgage Lending, Real Estate Financing, Credit, Customer Service, Training, Notary Public, Microsoft Excel, Refinance, Real Estate, Loans, Customer Satisfaction, Management, Sales Management, Accounting, Analysis

Education
San Jose State University   1997 — 2001
Bachelor of Science (BS), Business Management

Experience
Entertainment Promotions  1994 - Present
Money Mailer  March 2008 - March 2010
Countrywide Home Loans   August 2004 - January 2006

Education
San Diego State University-California State University
Bachelor of Science (B.S.), Business, Management, Marketing, and Related Support Services

Experience
Law Office of Stephen R. Paul   2010 - Present
Law Offices of Mirman & Bubman   2008 - 2010
Washington Mutual Bank  2006 - 2008
Law Office of Wayne McClean   2005 - 2006
Countrywide Home Loans   2003 - 2005
Law Office of Todd M. Sloan   1995 - 2003
Law Offices of Sylvester, Oppenheim & Freedman   1994 - 1995
Law Offices of Tuverson & Hillyard   1992 - 1994
Law Offices of Haight, Brown & Bonesteel   1991 - 1992
Parkinson, Wolf, Lazar & Leo   1987 - 1991

Skills
Lexis, Wordperfect, Westlaw, Document Review, Litigation Support, Notary Public, Legal Research, PACER, Bankruptcy, Legal Assistance, Litigation, Legal Writing, Microsoft Word, Various billing..., Type 100 wpm, Liability, Personal Injury

Education
University of San Diego   1985 — 1985
Paralegal Certificate - ABA Approved

San Diego State University-California State University   1981 — 1985
B.S., Criminal Justice

Experience
Wells Fargo Home Mortgage  October 2014 - Present
PHH Mortgage/Century 21 Mortgage   December 2013 - October 2014
Bank of America  June 2011 - May 2012
Prime Lending  September 2010 - March 2011
Summit Funding  January 2009 - September 2010
JP Morgan Chase  2006 - 2007
Indymac Bank  February 2005 - July 2006
Countrywide Home Loans   July 2004 - February 2005
Washington Mutual Bank  September 2000 - July 2003

Skills
Desktop Underwriter, Loan Prospector, Loan Origination, Loan Underwriting, Secondary Market, Most LOS Systems, Collaborative Problem..., Relationship Management, Business to Business...

Education
San Joaquin Delta College   1980 — 1982
none, business

Experience
Academy Mortgage Corporation  July 2013 - Present
Academy Mortgage Corporation  2013 - 2015
Academy Mortgage Corporation  2013 - 2015
IMPAC MORTGAGE  December 2012 - July 2013
Bank of America  June 2011 - December 2012
Bank of America  November 2010 - June 2011
Bank of America  March 2010 - November 2010
Countrywide Home Loans   March 2008 - March 2009
Countrywide Home Loans   December 2007 - March 2008
Countrywide Home Loans   January 2006 - November 2007

Skills
Mortgage Lending, VA loans, FHA financing, Bond loans, Project Management, Training, Underwriting, Refinance, Mortgage Banking, FHA, Loans, Loan Origination, Mortgage Underwriting, Bonds, Residential Mortgages, Credit, USDA, Mortgage Servicing, Mortgage Marketing, Funding, Loss Mitigation, Government Loans, VA Loans, FHA Financing

Education
Salt Lake Community College   1990 — 1991

Utah State University   1980 — 1981

Experience
Summit Funding  October 2011 - Present
Bank of America  August 2002 - November 2011
Countrywide Home loans   August 2002 - July 2008

Skills
VA loans, FHA, Refinance, HomePath, Mortgage Lending, Loan Origination, Mortgage Banking, Residential Mortgages

Education
San Diego State University-California State University
BS, Business Marketing