CS Financial
Industry: Bank
DescriptionFounded: 1998 Parent organization: Banc of California, N.A. Subsidiary: RenovationReady, LLC
CS Financial List of Employees There's an exhaustive list of past and present employees! Get comprehensive information on the number of employees at CS Financial. You can filter them based on skills, years of employment, job, education, department, and prior employment.
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CS Financial Employees
Employee
Years
Job
Industry
Lori Erskine Lori Erskine's CS Financial Experience July 2003 - March 2007
Job BAM! Educating & Marketing Strategist Helping You & Your Loan Officers Grow & Close Loans
Industry Real Estate
Experience
Retirement Funding Solutions May 2015 - Present
1st Reverse Mortgage USA June 2014 - April 2015
Reverse Mortgage Solutions, Inc September 2013 - June 2014
Premier Reverse Closings February 2012 - August 2013
Premier Reverse Closings March 2007 - August 2013
CS Financial July 2003 - March 2007
Northwestern Mutual Life August 2002 - July 2003
Skills
Mortgage Lending, Refinance, Loan Origination, Reverse Mortgages, FHA, Mortgage Banking, Loans, Residential Mortgages, Credit, Mortgage Underwriting, Title Insurance, Investment Properties, Escrow, Certified Mortgage..., Real Estate, VA loans, Real Estate Financing, Government Loans, Investments, Foreclosures, Residential Homes, Sales, Underwriting, Real Estate Economics, CrossFit, VA Loans
Education
California State University-Fullerton 1997 — 2002
Bachelor of Arts (B.A.), Business Finance
South Hills High School 1992 — 1996
High School, General
Retirement Funding Solutions May 2015 - Present
1st Reverse Mortgage USA June 2014 - April 2015
Reverse Mortgage Solutions, Inc September 2013 - June 2014
Premier Reverse Closings February 2012 - August 2013
Premier Reverse Closings March 2007 - August 2013
CS Financial July 2003 - March 2007
Northwestern Mutual Life August 2002 - July 2003
Skills
Mortgage Lending, Refinance, Loan Origination, Reverse Mortgages, FHA, Mortgage Banking, Loans, Residential Mortgages, Credit, Mortgage Underwriting, Title Insurance, Investment Properties, Escrow, Certified Mortgage..., Real Estate, VA loans, Real Estate Financing, Government Loans, Investments, Foreclosures, Residential Homes, Sales, Underwriting, Real Estate Economics, CrossFit, VA Loans
Education
California State University-Fullerton 1997 — 2002
Bachelor of Arts (B.A.), Business Finance
South Hills High School 1992 — 1996
High School, General
Brandon Richman Brandon Richman's CS Financial Experience March 2009 - June 2014
Job Loan Officer at First Capital, A Mortgage Company NMLS#281348
Industry Real Estate
Experience
First Capital, A Mortgage Company May 2014 - Present
CS Financial March 2009 - June 2014
Countrywide Financial Serivces November 2005 - April 2007
Skills
Cash Flow, Credit, Finance, FHA, Mortgage Banking, Underwriting, Financial Analysis, Banking, Investment Properties, First Time Home Buyers, Customer Service, Loan Origination, Marketing, Negotiation
Education
University of Arizona 2002 — 2005
Business, Eller College of Management
BHHS 1998 — 2001
First Capital, A Mortgage Company May 2014 - Present
CS Financial March 2009 - June 2014
Countrywide Financial Serivces November 2005 - April 2007
Skills
Cash Flow, Credit, Finance, FHA, Mortgage Banking, Underwriting, Financial Analysis, Banking, Investment Properties, First Time Home Buyers, Customer Service, Loan Origination, Marketing, Negotiation
Education
University of Arizona 2002 — 2005
Business, Eller College of Management
BHHS 1998 — 2001
Thomas Duong Thomas Duong's CS Financial Experience July 2011 - February 2012
Job Branch Manager at Banc Home Loans, a division of Banc of California
Industry Financial Services
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.)
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.)
Brett Twente Brett Twente's CS Financial Experience 2010 - 2014
Job Partner at Sequoia Commercial Lending
Industry Real Estate
Experience
Sequoia Commercial Lending 2014 - Present
CS Financial 2010 - 2014
Ethan Christopher Financial 2006 - 2008
Skills
Real Estate Financing, Mortgage Underwriting, Loan Origination, Real Estate, Real Estate Transactions, Investment Properties, Investments, Financial Analysis, Commercial Lending, Mergers & Acquisitions, Banking, Mortgage Lending, Brokerage, Disposition, Residential Mortgages, Commercial Banking, Funding, Investors, Risk Management, Selling, Short Sales, Apartments, Foreclosures, Referrals, REO, Finance, Property Management, Land Acquisition, Asset Management, Tenant, Sellers, FHA, Location Intelligence, 1031 Exchanges, Real Property, Sales
Education
Clemson University - College of Business and Behavioral Science
BS, Real Estate and Financial Management
Sequoia Commercial Lending 2014 - Present
CS Financial 2010 - 2014
Ethan Christopher Financial 2006 - 2008
Skills
Real Estate Financing, Mortgage Underwriting, Loan Origination, Real Estate, Real Estate Transactions, Investment Properties, Investments, Financial Analysis, Commercial Lending, Mergers & Acquisitions, Banking, Mortgage Lending, Brokerage, Disposition, Residential Mortgages, Commercial Banking, Funding, Investors, Risk Management, Selling, Short Sales, Apartments, Foreclosures, Referrals, REO, Finance, Property Management, Land Acquisition, Asset Management, Tenant, Sellers, FHA, Location Intelligence, 1031 Exchanges, Real Property, Sales
Education
Clemson University - College of Business and Behavioral Science
BS, Real Estate and Financial Management
Michele DiBella Michele DiBella's CS Financial Experience February 1983 - June 2014
Job Sr. Mortgage Consultant at Mortgage Capital Partners
Industry Investment Banking
Experience
Mortgage Capital Partners June 2014 - Present
CS Financial February 1983 - June 2014
Skills
purchase loans,..., Mortgage Lending, Loan Origination, FHA, Credit, Loans, Real Estate, Mortgage Banking, Residential Mortgages, VA loans, Refinance, USDA
Education
Minnesota State University, Moorhead 1978 — 1982
Management / Marketing /Psycology, Finance and Financial Management Services
Mortgage Capital Partners June 2014 - Present
CS Financial February 1983 - June 2014
Skills
purchase loans,..., Mortgage Lending, Loan Origination, FHA, Credit, Loans, Real Estate, Mortgage Banking, Residential Mortgages, VA loans, Refinance, USDA
Education
Minnesota State University, Moorhead 1978 — 1982
Management / Marketing /Psycology, Finance and Financial Management Services
Francesco Foggia Francesco Foggia's CS Financial Experience September 2005 - May 2014
Job Vice President of Mortgage Lending at Guaranteed Rate www.FrancescoFoggia.com
Industry Real Estate
Experience
Guaranteed Rate - www.FrancescoFoggia.com May 2014 - Present
CS Financial September 2005 - May 2014
Northwestern Mutual November 1999 - September 2005
Salomon Smith Barney February 1997 - October 1999
Skills
Short Sales, Mortgage Lending, Residential Mortgages, Refinance, Loans, Finance, REO, Loan Origination, Mortgage Banking, Real Estate, First Time Home Buyers, FHA, Investment Properties, VA loans, Certified Mortgage..., Real Estate Economics, Reverse Mortgages, Commercial Mortgages, Mortgage Underwriting, Underwriting, Foreclosures, Loss Mitigation
Education
California State University-Northridge 1996 — 2004
Guaranteed Rate - www.FrancescoFoggia.com May 2014 - Present
CS Financial September 2005 - May 2014
Northwestern Mutual November 1999 - September 2005
Salomon Smith Barney February 1997 - October 1999
Skills
Short Sales, Mortgage Lending, Residential Mortgages, Refinance, Loans, Finance, REO, Loan Origination, Mortgage Banking, Real Estate, First Time Home Buyers, FHA, Investment Properties, VA loans, Certified Mortgage..., Real Estate Economics, Reverse Mortgages, Commercial Mortgages, Mortgage Underwriting, Underwriting, Foreclosures, Loss Mitigation
Education
California State University-Northridge 1996 — 2004
tyrone mckillen tyrone mckillen's CS Financial Experience January 2010 - March 2012
Job Real Estate Broker at Hilton & Hyland
Industry Real Estate
Experience
Hilton & Hyland September 2012 - Present
CS Financial January 2010 - March 2012
Skills
Real Estate, Sales, Short Sales, Investment Properties, First Time Home Buyers, Strategic Planning, Marketing, Microsoft Office
Education
UCLA 2009 — 2011
Bachelor's Degree, Environmental Science
Hilton & Hyland September 2012 - Present
CS Financial January 2010 - March 2012
Skills
Real Estate, Sales, Short Sales, Investment Properties, First Time Home Buyers, Strategic Planning, Marketing, Microsoft Office
Education
UCLA 2009 — 2011
Bachelor's Degree, Environmental Science
Mitch Saunders Mitch Saunders's CS Financial Experience December 2008 - October 2013
Job Senior Loan Officer, Skyline Home Loans
Industry Financial Services
Experience
Skyline Home Loans October 2013 - Present
CS Financial December 2008 - October 2013
The Troxler Group 1997 - 2008
Funders Mortgage Corporation July 1988 - October 1998
Skills
FHA, Mortgage Banking, Residential Mortgages, Mortgage Lending, Loans, First Time Home Buyers, VA loans, FHA financing, Loan Origination, Investment Properties, Commercial Lending, Refinance, Certified Mortgage..., USDA, Mortgage Underwriting, Reverse Mortgages, Real Estate, Loss Mitigation
Education
UCLA
BS, Business Administration and Management, General
Skyline Home Loans October 2013 - Present
CS Financial December 2008 - October 2013
The Troxler Group 1997 - 2008
Funders Mortgage Corporation July 1988 - October 1998
Skills
FHA, Mortgage Banking, Residential Mortgages, Mortgage Lending, Loans, First Time Home Buyers, VA loans, FHA financing, Loan Origination, Investment Properties, Commercial Lending, Refinance, Certified Mortgage..., USDA, Mortgage Underwriting, Reverse Mortgages, Real Estate, Loss Mitigation
Education
UCLA
BS, Business Administration and Management, General
Jesse Tyre Karp Jesse Tyre Karp's CS Financial Experience September 2010 - September 2011
Job Citi
Industry Real Estate
Experience
Citi March 2015 - Present
Bank of America June 2014 - March 2015
Citi April 2012 - May 2014
CS Financial September 2010 - September 2011
Education
UCSB 1995 — 2000
Bachelor, Sociology
Citi March 2015 - Present
Bank of America June 2014 - March 2015
Citi April 2012 - May 2014
CS Financial September 2010 - September 2011
Education
UCSB 1995 — 2000
Bachelor, Sociology
Kathy Lyon Kathy Lyon's CS Financial Experience September 2002 - 2015
Job Vice President, Mortgage Lending at Mortgage Capital Partners
Industry Real Estate
Experience
Mortgage Capital Partners May 2015 - Present
CS Financial September 2002 - 2015
Skills
FHA, Refinance, Mortgage Banking, Mortgage Lending, Loan Origination, Residential Mortgages, VA loans, Loans, Investment Properties, Real Estate, First Time Home Buyers, Reverse Mortgages, Certified Mortgage..., Credit, FHA financing
Education
UC Irvine 1993 — 1997
BA, Social Sciences
Mortgage Capital Partners May 2015 - Present
CS Financial September 2002 - 2015
Skills
FHA, Refinance, Mortgage Banking, Mortgage Lending, Loan Origination, Residential Mortgages, VA loans, Loans, Investment Properties, Real Estate, First Time Home Buyers, Reverse Mortgages, Certified Mortgage..., Credit, FHA financing
Education
UC Irvine 1993 — 1997
BA, Social Sciences
Kevin Van Tassel Kevin Van Tassel's CS Financial Experience February 2011 - October 2013
Job Writer, Trainer, Photographer
Industry E-Learning
Experience
Alberta Bride Photography Inc. January 2001 - January 2015
ATB Financial January 2014 - November 2014
CS Financial February 2011 - October 2013
Saville Systems February 1991 - January 2000
The Training Group January 1988 - January 1991
RCMP January 1975 - January 1986
Skills
eLearning, Articulate Storyline, Multimedia, Technical Writing, Writing, Photography, Training, Leadership, Program Management, Photoshop, Management, Coaching, Editing, Team Leadership, Portrait Photography, Weddings, Team Building, Event Photography, Event Planning, Video, Public Speaking, Marketing, Photojournalism, Wedding Photography, Employee Training, Commercial Photography, Graphic Design, Time Management, PowerPoint, Portraits, Captivate, Blogging, Photos, Public Relations, Social Networking, Fine Art Photography, Business Planning, Marketing Communications, Headshots, Video Production, Research, Digital Photography
Education
University of Alberta 1986 — 1988
BA, Poli Sci and History
RCMP
Professional Development Courses
U of A Continuing Education
CACE Program
U of A: Continuing Education
Professional Development Courses
Alberta Bride Photography Inc. January 2001 - January 2015
ATB Financial January 2014 - November 2014
CS Financial February 2011 - October 2013
Saville Systems February 1991 - January 2000
The Training Group January 1988 - January 1991
RCMP January 1975 - January 1986
Skills
eLearning, Articulate Storyline, Multimedia, Technical Writing, Writing, Photography, Training, Leadership, Program Management, Photoshop, Management, Coaching, Editing, Team Leadership, Portrait Photography, Weddings, Team Building, Event Photography, Event Planning, Video, Public Speaking, Marketing, Photojournalism, Wedding Photography, Employee Training, Commercial Photography, Graphic Design, Time Management, PowerPoint, Portraits, Captivate, Blogging, Photos, Public Relations, Social Networking, Fine Art Photography, Business Planning, Marketing Communications, Headshots, Video Production, Research, Digital Photography
Education
University of Alberta 1986 — 1988
BA, Poli Sci and History
RCMP
Professional Development Courses
U of A Continuing Education
CACE Program
U of A: Continuing Education
Professional Development Courses
Paul Schott / Schotzie Paul Schott / Schotzie's CS Financial Experience 1989 - 2008
Job TOP 1% MORTGAGE ORIGINATOR Emery Financial Inc.
Industry Real Estate
Experience
Emery Financial Inc. July 2010 - Present
Schott Financial- CS Financial- Private Mortgage Banking January 1989 - July 2010
CS Financial 1989 - 2008
Back Bay Funding 2004 - 2007
Message Broadcast 2000 - 2004
Ameritech September 1986 - September 1989
Skills
Mortgage Lending, Mortgage Banking, Investment Properties, Loans, Real Estate, First Time Home Buyers, Investments, Referrals, Refinance, FHA, Finance, Sales, Loan Origination, Residential Mortgages, VA loans, Construction Loans, Analysis, Real Estate Economics, REO, Selling, Franchising, FHA financing, Sellers, Reverse Mortgages, Commercial Mortgages, Investors, Real Estate Financing, Mortgage Underwriting, Certified Mortgage..., Loss Mitigation, Government Loans, Commercial Real Estate, USDA, Foreclosures, Brokerage, Real Estate Transactions, Underwriting, Credit, Funding, Commercial Lending, Financial Structuring, Disposition, Residential Homes, Short Sales, Real Estate Development, Asset Management, Loan Servicing, HUD, Property, Portfolio Management
Education
Bryant University 1982 — 1986
BS
University of London 1984 — 1985
New Canaan High School 1979 — 1982
Emery Financial Inc. July 2010 - Present
Schott Financial- CS Financial- Private Mortgage Banking January 1989 - July 2010
CS Financial 1989 - 2008
Back Bay Funding 2004 - 2007
Message Broadcast 2000 - 2004
Ameritech September 1986 - September 1989
Skills
Mortgage Lending, Mortgage Banking, Investment Properties, Loans, Real Estate, First Time Home Buyers, Investments, Referrals, Refinance, FHA, Finance, Sales, Loan Origination, Residential Mortgages, VA loans, Construction Loans, Analysis, Real Estate Economics, REO, Selling, Franchising, FHA financing, Sellers, Reverse Mortgages, Commercial Mortgages, Investors, Real Estate Financing, Mortgage Underwriting, Certified Mortgage..., Loss Mitigation, Government Loans, Commercial Real Estate, USDA, Foreclosures, Brokerage, Real Estate Transactions, Underwriting, Credit, Funding, Commercial Lending, Financial Structuring, Disposition, Residential Homes, Short Sales, Real Estate Development, Asset Management, Loan Servicing, HUD, Property, Portfolio Management
Education
Bryant University 1982 — 1986
BS
University of London 1984 — 1985
New Canaan High School 1979 — 1982
Jeff Seabold's CS Financial Experience October 1998 - October 2013
Job President, Managing Director at Banc of California
Industry Financial Services
Experience
Banc of California May 2013 - Present
CS Financial October 1998 - October 2013
Countrywide Home Loans December 1989 - September 1998
Skills
Loans, Credit, Mortgage Lending, Real Estate, Investment Properties, Investments, Finance, Real Estate Economics, Mortgage Banking, Financial Analysis, Banking, Management, FHA, Portfolio Management, Residential Homes, Loan Origination, Residential Mortgages, Sales
Education
University of California, Santa Barbara 1985 — 1989
Banc of California May 2013 - Present
CS Financial October 1998 - October 2013
Countrywide Home Loans December 1989 - September 1998
Skills
Loans, Credit, Mortgage Lending, Real Estate, Investment Properties, Investments, Finance, Real Estate Economics, Mortgage Banking, Financial Analysis, Banking, Management, FHA, Portfolio Management, Residential Homes, Loan Origination, Residential Mortgages, Sales
Education
University of California, Santa Barbara 1985 — 1989
Irv Steinman Irv Steinman's CS Financial Experience August 2009 - January 2011
Job EXECUTIVE VICE PRESIDENT BROKER ASSOCIATE at BUILDING CAPITAL, INC.
Industry Financial Services
Experience
BUILDING CAPITAL, INC. May 2013 - Present
The Steinman Group January 2000 - Present
RPM MORTGAGE, INC. February 2013 - April 2013
Mortgage Capital Assocaiates January 2011 - February 2013
CS Financial August 2009 - January 2011
Legend Mortgage Corp. July 2007 - July 2009
First Financial a Mortgage Corp. January 1999 - December 2007
Skills
Mortgage, Loans, Banking, Mortgage Lending, Refinance, Residential, Real Estate, Investment Properties, First Time Home Buyers, Mortgage Industry, Purchase, Residential Mortgages, Conventional, Mortgage Banking, Loan Origination, Mortgage Planning, Sales Management, Single Family Homes, Condos, Real Estate Finance, Coaching, Team Building, Commercial Mortgages, Selling, REO, FHA, Reverse Mortgages, Sellers, Commercial Lending, Investments, Certified Mortgage..., USDA, Short Sales, Underwriting, Residential Homes, Investors, Property, Real Estate Financing, VA loans, Finance, FHA financing, Credit, Construction Loans, Foreclosures, Brokerage, Referrals, Loss Mitigation, HUD, Real Estate Transactions, Mortgage Marketing
Education
UCLA 1962 — 1966
BA, Economics
Fairfax High School 1956 — 1958
High Scholl Diploma, General Studies
Beverly Hills High School 1954 — 1956
General, General
BUILDING CAPITAL, INC. May 2013 - Present
The Steinman Group January 2000 - Present
RPM MORTGAGE, INC. February 2013 - April 2013
Mortgage Capital Assocaiates January 2011 - February 2013
CS Financial August 2009 - January 2011
Legend Mortgage Corp. July 2007 - July 2009
First Financial a Mortgage Corp. January 1999 - December 2007
Skills
Mortgage, Loans, Banking, Mortgage Lending, Refinance, Residential, Real Estate, Investment Properties, First Time Home Buyers, Mortgage Industry, Purchase, Residential Mortgages, Conventional, Mortgage Banking, Loan Origination, Mortgage Planning, Sales Management, Single Family Homes, Condos, Real Estate Finance, Coaching, Team Building, Commercial Mortgages, Selling, REO, FHA, Reverse Mortgages, Sellers, Commercial Lending, Investments, Certified Mortgage..., USDA, Short Sales, Underwriting, Residential Homes, Investors, Property, Real Estate Financing, VA loans, Finance, FHA financing, Credit, Construction Loans, Foreclosures, Brokerage, Referrals, Loss Mitigation, HUD, Real Estate Transactions, Mortgage Marketing
Education
UCLA 1962 — 1966
BA, Economics
Fairfax High School 1956 — 1958
High Scholl Diploma, General Studies
Beverly Hills High School 1954 — 1956
General, General
Ross Flaharty Ross Flaharty's CS Financial Experience August 2011 - March 2012
Job Secondary Marketing Manager at Kinecta Federal Credit Union
Industry Financial Services
Experience
Kinecta Federal Credit Union May 2014 - Present
Bank of Manhattan March 2012 - May 2014
CS Financial August 2011 - March 2012
CS Financial March 2010 - August 2011
Bank of America April 2009 - March 2010
Countrywide Bank July 2003 - April 2009
Skills
Pricing, Mortgage Banking, Business Development, Relationship Management, Negotiation, Analysis, Securities, Structured Finance, Trading, Financial Analysis, Finance, Management, Sales, Marketing, Mortgage Lending, Loans, Credit
Education
Trinity College-Hartford 1997 — 2001
BA, Public Policy
Upper Perkiomen
Kinecta Federal Credit Union May 2014 - Present
Bank of Manhattan March 2012 - May 2014
CS Financial August 2011 - March 2012
CS Financial March 2010 - August 2011
Bank of America April 2009 - March 2010
Countrywide Bank July 2003 - April 2009
Skills
Pricing, Mortgage Banking, Business Development, Relationship Management, Negotiation, Analysis, Securities, Structured Finance, Trading, Financial Analysis, Finance, Management, Sales, Marketing, Mortgage Lending, Loans, Credit
Education
Trinity College-Hartford 1997 — 2001
BA, Public Policy
Upper Perkiomen
Christine Mitchell Christine Mitchell's CS Financial Experience June 2013 - December 2013
Job Experienced DE UW looking for a new opportunity
Industry Real Estate
Experience
Experienced DE UW looking for a new opportunity January 2014 - Present
CS Financial June 2013 - December 2013
Hometown National Bank January 2013 - June 2013
Bank of England, Mortgage Division November 2011 - December 2012
Ovation Home Loans October 2010 - November 2011
Pacific Banc Mortgage March 2010 - October 2010
Loss Mitigation Services, Inc. March 2008 - April 2009
Option One Mortgage 2000 - 2007
Option One Mortgage October 2000 - November 2005
Skills
FHA, Underwriting, Conventional, Mortgage Banking, Mortgage Lending, Government Loans, Sales, Residential Mortgages, Loans, Credit Analysis, Loan Origination, Construction Loans, Credit, FHA financing, Refinance, First Time Home Buyers, Negotiation, Mortgage Underwriting, Loss Mitigation, Investments, Finance, USDA, Reverse Mortgages, VA loans, Loan Servicing, Management, Customer Service, Commercial Mortgages, Banking, Short Sales, Sales Management, Investment Properties, Foreclosures, Real Estate
Education
Golden West College 1986 — 1990
Nursing
Experienced DE UW looking for a new opportunity January 2014 - Present
CS Financial June 2013 - December 2013
Hometown National Bank January 2013 - June 2013
Bank of England, Mortgage Division November 2011 - December 2012
Ovation Home Loans October 2010 - November 2011
Pacific Banc Mortgage March 2010 - October 2010
Loss Mitigation Services, Inc. March 2008 - April 2009
Option One Mortgage 2000 - 2007
Option One Mortgage October 2000 - November 2005
Skills
FHA, Underwriting, Conventional, Mortgage Banking, Mortgage Lending, Government Loans, Sales, Residential Mortgages, Loans, Credit Analysis, Loan Origination, Construction Loans, Credit, FHA financing, Refinance, First Time Home Buyers, Negotiation, Mortgage Underwriting, Loss Mitigation, Investments, Finance, USDA, Reverse Mortgages, VA loans, Loan Servicing, Management, Customer Service, Commercial Mortgages, Banking, Short Sales, Sales Management, Investment Properties, Foreclosures, Real Estate
Education
Golden West College 1986 — 1990
Nursing
Julie Duong Julie Duong's CS Financial Experience January 2011 - January 2014
Job Managing Director, Residential Portfolio Lending at Banc of California
Industry Banking
Experience
Banc of California July 2015 - Present
Banc of California February 2014 - Present
CS Financial January 2011 - January 2014
AREAA Silicon Valley May 2010 - June 2011
MPIRES July 2010 - December 2010
CSR Asset Management May 2009 - March 2010
Countrywide March 2006 - November 2008
Countrywide April 2004 - February 2006
Countrywide August 2002 - March 2004
Countrywide May 2002 - July 2002
Skills
Mortgage Lending, Mortgage Banking, Loans, Investments, Real Estate, HUD, Banking, Loan Origination, Short Sales, Underwriting, Foreclosures, Management, Disposition, VA loans, Business Development, Asset Management, Sales Management, Residential Mortgages, Finance, USDA, Investors, Default, Loan Servicing, Sellers, Mortgage Servicing, Start-ups, Property Management, Refinance, Residential Homes, FHA, Brokerage, Investment Properties, Equities, Loss Mitigation, REO, Funding, Sales, Real Estate Financing, Commercial Real Estate, Real Estate Economics, Credit, Real Estate Development
Education
Santa Clara University 1986 — 1990
Business - Finance
Banc of California July 2015 - Present
Banc of California February 2014 - Present
CS Financial January 2011 - January 2014
AREAA Silicon Valley May 2010 - June 2011
MPIRES July 2010 - December 2010
CSR Asset Management May 2009 - March 2010
Countrywide March 2006 - November 2008
Countrywide April 2004 - February 2006
Countrywide August 2002 - March 2004
Countrywide May 2002 - July 2002
Skills
Mortgage Lending, Mortgage Banking, Loans, Investments, Real Estate, HUD, Banking, Loan Origination, Short Sales, Underwriting, Foreclosures, Management, Disposition, VA loans, Business Development, Asset Management, Sales Management, Residential Mortgages, Finance, USDA, Investors, Default, Loan Servicing, Sellers, Mortgage Servicing, Start-ups, Property Management, Refinance, Residential Homes, FHA, Brokerage, Investment Properties, Equities, Loss Mitigation, REO, Funding, Sales, Real Estate Financing, Commercial Real Estate, Real Estate Economics, Credit, Real Estate Development
Education
Santa Clara University 1986 — 1990
Business - Finance
Adam Joannes's CS Financial Experience February 2009 - October 2011
Job Residential Mortgage Lending
Industry Real Estate
Experience
Boston Private Bank & Trust October 2011 - Present
CS Financial February 2009 - October 2011
Advisors Lending Group March 2005 - February 2009
Skills
Loans, Mortgage Lending, Underwriting, Mortgage Banking, Refinance
Education
California Polytechnic State University-San Luis Obispo
BA, Economics
Boston Private Bank & Trust October 2011 - Present
CS Financial February 2009 - October 2011
Advisors Lending Group March 2005 - February 2009
Skills
Loans, Mortgage Lending, Underwriting, Mortgage Banking, Refinance
Education
California Polytechnic State University-San Luis Obispo
BA, Economics
Erika Stenstrom Erika Stenstrom's CS Financial Experience August 2010 - October 2011
Job Business Development/LO at Wholesale Capital Corporation
Industry Financial Services
Experience
Wholesale Capital Corporation May 2014 - Present
Movement Mortgage September 2013 - April 2014
Priority Financial Network March 2013 - August 2013
Priority Financial Network October 2011 - March 2013
CS Financial August 2010 - October 2011
The Homeowner Center June 2009 - August 2010
Casa Emanuel Orphange - Guinea-Bissau, West Africa September 2009 - December 2009
Merrill Corporation December 2007 - June 2008
Fremnont Investment & Loan April 2005 - May 2007
ELOAN, INC. April 2002 - April 2005
Skills
Mortgage Lending, Real Estate, Refinance, Loans, Selling, Investment Properties, Loan Origination, Referrals, Short Sales, Sales, Credit, Mortgage Banking, Sellers, Finance, Foreclosures, Marketing, FHA, Residential Mortgages, Commercial Lending, Commercial Real Estate, Competitive Analysis, Real Estate Financing, Real Estate Economics, Underwriting, Banking, New Business Development, Negotiation, Management, VA loans, Salesforce.com, Real Estate Transactions, Reverse Mortgages, FHA financing, Investments, Construction Loans, REO, Strategic Planning, Sales Management, Funding, Account Management, Condos, Residential Homes, First Time Home Buyers, Certified Mortgage..., Commercial Mortgages, Business Development, Strategic Partnerhsips, Operations Management, FHA Financing, VA Loans
Education
University of Colorado Boulder 1990 — 1994
BA, Psychology, Biology, 3.7% GPA
University of San Diego 1995 — 1995
Paralegal Degree, Law, A
Radnor High School 1987 — 1990
Pre-Med, Pre-Medicine/Pre-Medical Studies
Wholesale Capital Corporation May 2014 - Present
Movement Mortgage September 2013 - April 2014
Priority Financial Network March 2013 - August 2013
Priority Financial Network October 2011 - March 2013
CS Financial August 2010 - October 2011
The Homeowner Center June 2009 - August 2010
Casa Emanuel Orphange - Guinea-Bissau, West Africa September 2009 - December 2009
Merrill Corporation December 2007 - June 2008
Fremnont Investment & Loan April 2005 - May 2007
ELOAN, INC. April 2002 - April 2005
Skills
Mortgage Lending, Real Estate, Refinance, Loans, Selling, Investment Properties, Loan Origination, Referrals, Short Sales, Sales, Credit, Mortgage Banking, Sellers, Finance, Foreclosures, Marketing, FHA, Residential Mortgages, Commercial Lending, Commercial Real Estate, Competitive Analysis, Real Estate Financing, Real Estate Economics, Underwriting, Banking, New Business Development, Negotiation, Management, VA loans, Salesforce.com, Real Estate Transactions, Reverse Mortgages, FHA financing, Investments, Construction Loans, REO, Strategic Planning, Sales Management, Funding, Account Management, Condos, Residential Homes, First Time Home Buyers, Certified Mortgage..., Commercial Mortgages, Business Development, Strategic Partnerhsips, Operations Management, FHA Financing, VA Loans
Education
University of Colorado Boulder 1990 — 1994
BA, Psychology, Biology, 3.7% GPA
University of San Diego 1995 — 1995
Paralegal Degree, Law, A
Radnor High School 1987 — 1990
Pre-Med, Pre-Medicine/Pre-Medical Studies
Shane Kuros's CS Financial Experience January 2014 - April 2014
Job Vice President, Head of Business Development & Relationship Management
Industry Financial Services
Experience
CIBC Mellon April 2014 - Present
CS Financial January 2014 - April 2014
RBC Investor Services June 2010 - January 2014
RN Establishment Services 2003 - 2010
First Geneva 2002 - 2003
Global Payments 2000 - 2002
CIBC 1991 - 2000
Skills
Banking, Mutual Funds, Fixed Income, Relationship Management, Equities, Financial Services, Asset Managment, Capital Markets, Investments, Securities, Portfolio Management, Credit Cards, Wealth Management, Risk Management, Investment Banking, Payments, Hedge Funds, New Business Development, Business Strategy, Financial Analysis, Derivatives, Financial Markets, Alternative Investments, Business Development, Trading, Financial Risk, Management, Sales, Asset Management
Education
The University of Western Ontario
University of Manitoba
Bachelor of Commerce (B.Com.)
CIBC Mellon April 2014 - Present
CS Financial January 2014 - April 2014
RBC Investor Services June 2010 - January 2014
RN Establishment Services 2003 - 2010
First Geneva 2002 - 2003
Global Payments 2000 - 2002
CIBC 1991 - 2000
Skills
Banking, Mutual Funds, Fixed Income, Relationship Management, Equities, Financial Services, Asset Managment, Capital Markets, Investments, Securities, Portfolio Management, Credit Cards, Wealth Management, Risk Management, Investment Banking, Payments, Hedge Funds, New Business Development, Business Strategy, Financial Analysis, Derivatives, Financial Markets, Alternative Investments, Business Development, Trading, Financial Risk, Management, Sales, Asset Management
Education
The University of Western Ontario
University of Manitoba
Bachelor of Commerce (B.Com.)
Kelly Hefferman's CS Financial Experience 2005 - 2010
Job Office Administrator/Executive Assistant to Office Manager at Royal LePage Your Community
Industry Real Estate
Experience
Royal LePage Your Community July 2013 - Present
Royal LePage Your Community August 2010 - July 2013
CS Financial 2005 - 2010
Skills
Management, Customer Service, Internet, PowerPoint, Executive..., Office Administration, Office Management, Policy, Residential Homes
Education
Centennial College
Correctional Worker
East York Collegiate Institute, Toronto
Royal LePage Your Community July 2013 - Present
Royal LePage Your Community August 2010 - July 2013
CS Financial 2005 - 2010
Skills
Management, Customer Service, Internet, PowerPoint, Executive..., Office Administration, Office Management, Policy, Residential Homes
Education
Centennial College
Correctional Worker
East York Collegiate Institute, Toronto
Nima Fathi Nima Fathi's CS Financial Experience December 2011 - December 2012
Job Real Estate and Finance Consultant
Industry Real Estate
Experience
Nima Investment Co. Inc. May 2013 - Present
CS Financial December 2011 - December 2012
Nima Investment Company September 2007 - December 2011
Los Angeles Clippers June 2006 - September 2007
Skills
Microsoft Office, Microsoft Excel, Microsoft Word, Customer Service, PowerPoint, English, Windows, Research, Outlook, Teaching, Photoshop, Public Speaking, HTML, Strategic Planning, Budgets, Real Estate Financing, Real Estate, Sales, Marketing, Management, Investment Properties, Negotiation, Leadership
Education
Santa Monica College 2005 — 2007
Bachelor's degree, Business Administration and Management, General
Nima Investment Co. Inc. May 2013 - Present
CS Financial December 2011 - December 2012
Nima Investment Company September 2007 - December 2011
Los Angeles Clippers June 2006 - September 2007
Skills
Microsoft Office, Microsoft Excel, Microsoft Word, Customer Service, PowerPoint, English, Windows, Research, Outlook, Teaching, Photoshop, Public Speaking, HTML, Strategic Planning, Budgets, Real Estate Financing, Real Estate, Sales, Marketing, Management, Investment Properties, Negotiation, Leadership
Education
Santa Monica College 2005 — 2007
Bachelor's degree, Business Administration and Management, General
Ayda Aminian's CS Financial Experience June 2011 - March 2012
Job Financial Advisor at Bank of America
Industry Financial Services
Experience
Bank of America December 2013 - September 2014
TD September 2012 - November 2013
CS Financial June 2011 - March 2012
Ronald Agar CA. May 2010 - May 2011
Skills
Banking, Financial Analysis, Investment Advisory, Retail Banking, Customer Service, Finance, QuickBooks, Data Analysis, Microsoft Excel, Team Leadership, Analysis, Microsoft Office, Project Management, Financial Services, Account Management, Credit Analysis, Financial Accounting, Investments, Credit, Portfolio Management, PowerPoint, Investment Banking, Management Consulting, Financial Planning
Education
University of Alberta 2009 — 2012
Master of Business Administration (M.B.A.), Accounting and Finance
University of New Brunswick 2005 — 2008
Bachelor of Business Administration (BBA)
Bank of America December 2013 - September 2014
TD September 2012 - November 2013
CS Financial June 2011 - March 2012
Ronald Agar CA. May 2010 - May 2011
Skills
Banking, Financial Analysis, Investment Advisory, Retail Banking, Customer Service, Finance, QuickBooks, Data Analysis, Microsoft Excel, Team Leadership, Analysis, Microsoft Office, Project Management, Financial Services, Account Management, Credit Analysis, Financial Accounting, Investments, Credit, Portfolio Management, PowerPoint, Investment Banking, Management Consulting, Financial Planning
Education
University of Alberta 2009 — 2012
Master of Business Administration (M.B.A.), Accounting and Finance
University of New Brunswick 2005 — 2008
Bachelor of Business Administration (BBA)
Scott Sealey's CS Financial Experience November 1999 - 2015
Job Vice President, Mortgage Lending at Mortgage Capital Partners
Industry Real Estate
Experience
Mortgage Capital Partners May 2015 - Present
CS FINANCIAL November 1999 - 2015
Skills
FHA, First Time Home Buyers, Mortgage Banking, Refinance, Mortgage Lending, Short Sales, Residential Mortgages, Loan Origination
Education
Framingham State University 1984 — 1988
Mortgage Capital Partners May 2015 - Present
CS FINANCIAL November 1999 - 2015
Skills
FHA, First Time Home Buyers, Mortgage Banking, Refinance, Mortgage Lending, Short Sales, Residential Mortgages, Loan Origination
Education
Framingham State University 1984 — 1988
Devon Lawrence Devon Lawrence's CS Financial Experience June 2013 - August 2013
Job Orthodontics Insurance Claims Auditor
Industry Financial Services
Experience
Pacific Dental Services June 2015 - Present
Pacific Dental Services June 2015 - Present
UC Merced January 2013 - May 2015
UC Merced August 2014 - December 2014
CS Financial June 2013 - August 2013
Skills
Microsoft Office, Microsoft Excel, Public Speaking, PowerPoint, Microsoft Word, Leadership, Management, Time Management, Customer Service, Community Outreach, Social Media
Education
University of California, Merced 2011 — 2015
Bachelor's Degree, Management
University of California, Merced 2011 — 2015
Bachelor's Degree, Economics
Pacific Dental Services June 2015 - Present
Pacific Dental Services June 2015 - Present
UC Merced January 2013 - May 2015
UC Merced August 2014 - December 2014
CS Financial June 2013 - August 2013
Skills
Microsoft Office, Microsoft Excel, Public Speaking, PowerPoint, Microsoft Word, Leadership, Management, Time Management, Customer Service, Community Outreach, Social Media
Education
University of California, Merced 2011 — 2015
Bachelor's Degree, Management
University of California, Merced 2011 — 2015
Bachelor's Degree, Economics
Jason Sugarman's CS Financial Experience January 2011 - January 2014
Job Valor Group Holdings CEO and Founder
Industry Financial Services
Experience
Valor Group Holdings January 2014 - Present
Camden Capital January 2007 - Present
International Tower Company January 2012 - Present
COR Fund Advisors January 2013 - Present
COR Securities Holdings January 2011 - Present
First Pacific Trust Bank Corp January 2010 - Present
CS Financial January 2011 - January 2014
MKA Capital Group Advisors LLC January 2000 - January 2011
Cardinal Mortgage January 1996 - January 1999
Real Estate Investment/Development Company January 1994 - January 1995
Skills
Management, Sales, Microsoft Word, PowerPoint, Customer Service, Microsoft Excel, Microsoft Office, Leadership
Education
Stanford University 1991 — 1994
Bachelor of Arts (B.A.), Economics
Valor Group Holdings January 2014 - Present
Camden Capital January 2007 - Present
International Tower Company January 2012 - Present
COR Fund Advisors January 2013 - Present
COR Securities Holdings January 2011 - Present
First Pacific Trust Bank Corp January 2010 - Present
CS Financial January 2011 - January 2014
MKA Capital Group Advisors LLC January 2000 - January 2011
Cardinal Mortgage January 1996 - January 1999
Real Estate Investment/Development Company January 1994 - January 1995
Skills
Management, Sales, Microsoft Word, PowerPoint, Customer Service, Microsoft Excel, Microsoft Office, Leadership
Education
Stanford University 1991 — 1994
Bachelor of Arts (B.A.), Economics
david westley david westley's CS Financial Experience January 2009 - September 2013
Job private mortgage banker at Cobalt Mortgage
Industry Financial Services
Experience
Cobalt Mortgage October 2013 - Present
CS Financial January 2009 - September 2013
Advisors Lending Group January 1998 - January 2009
Skills
Refinance, Mortgage Lending, Real Estate, Loan Origination, Real Estate Transactions, Residential Mortgages, Investment Properties, FHA, Investors, Credit, Mortgage Banking
Education
University of California, Los Angeles
Landsscape architecture
University of Southern California, BS and masters
Banking, Corporate, Finance, and Securities Law
Cobalt Mortgage October 2013 - Present
CS Financial January 2009 - September 2013
Advisors Lending Group January 1998 - January 2009
Skills
Refinance, Mortgage Lending, Real Estate, Loan Origination, Real Estate Transactions, Residential Mortgages, Investment Properties, FHA, Investors, Credit, Mortgage Banking
Education
University of California, Los Angeles
Landsscape architecture
University of Southern California, BS and masters
Banking, Corporate, Finance, and Securities Law
Art Terrill Art Terrill's CS Financial Experience October 2000 - November 2002
Job VP Mortgage Lending at Guaranteed Rate
Industry Financial Services
Experience
Guaranteed Rate April 2013 - Present
ACR Home Loans August 2002 - April 2013
CS Financial October 2000 - November 2002
Countrywide Home Loans June 1998 - April 2000
Countrywide Home Loans June 1995 - May 1998
Skills
Loan Origination, FHA, Mortgage Banking, Mortgage Lending, Refinance, Residential Mortgages, Government Loans, Mortgage Underwriting, Reverse Mortgages, Construction Loans, Loans, Certified Mortgage...
Education
Humboldt State University 1989 — 1994
Bachelor's degree, Business/Corporate Communications
Guaranteed Rate April 2013 - Present
ACR Home Loans August 2002 - April 2013
CS Financial October 2000 - November 2002
Countrywide Home Loans June 1998 - April 2000
Countrywide Home Loans June 1995 - May 1998
Skills
Loan Origination, FHA, Mortgage Banking, Mortgage Lending, Refinance, Residential Mortgages, Government Loans, Mortgage Underwriting, Reverse Mortgages, Construction Loans, Loans, Certified Mortgage...
Education
Humboldt State University 1989 — 1994
Bachelor's degree, Business/Corporate Communications
Brian Guth Brian Guth's CS Financial Experience August 2010 - August 2011
Job Home Mortgage Consultant at Wells Fargo
Industry Financial Services
Experience
Wells Fargo June 2015 - Present
Stearns Lending (NMLS #1854) January 2015 - June 2015
BBVA Compass July 2014 - January 2015
New American Funding - We close loans in 14 days! October 2013 - July 2014
Agency Capital Partners September 2011 - October 2013
CS Financial August 2010 - August 2011
RPM Mortgage Inc November 2005 - August 2010
Skills
Mortgage Lending, FHA, Refinance, FHA financing, Loans, Private Money, 80/10/10, Jumbo Loans up to $10m, Jumbo Mortgage, VA loans, Residential Mortgages, Mortgage Banking, Short Sales, Reverse Mortgages, Loan Origination, Real Estate, Sellers, Single Family Homes, Residential Homes, Real Estate Economics, Real Estate Transactions, Vacation Homes, Real Estate Financing, Selling, REO, Certified Mortgage..., First Time Home Buyers, Investment Properties, Investors, USDA, Foreclosures, Credit, Construction Loans, Loss Mitigation, Referrals, HUD, Underwriting, Real Property, New Home Sales, Income Properties, Buyers, Brokerage, Property, Condos, Commercial Mortgages, Relocation, Commercial Real Estate, Commercial Lending, Investments, Luxury
Education
California State University-Northridge 1994 — 1996
BA, Communications
Grant High 1987 — 1989
High School Diploma
Wells Fargo June 2015 - Present
Stearns Lending (NMLS #1854) January 2015 - June 2015
BBVA Compass July 2014 - January 2015
New American Funding - We close loans in 14 days! October 2013 - July 2014
Agency Capital Partners September 2011 - October 2013
CS Financial August 2010 - August 2011
RPM Mortgage Inc November 2005 - August 2010
Skills
Mortgage Lending, FHA, Refinance, FHA financing, Loans, Private Money, 80/10/10, Jumbo Loans up to $10m, Jumbo Mortgage, VA loans, Residential Mortgages, Mortgage Banking, Short Sales, Reverse Mortgages, Loan Origination, Real Estate, Sellers, Single Family Homes, Residential Homes, Real Estate Economics, Real Estate Transactions, Vacation Homes, Real Estate Financing, Selling, REO, Certified Mortgage..., First Time Home Buyers, Investment Properties, Investors, USDA, Foreclosures, Credit, Construction Loans, Loss Mitigation, Referrals, HUD, Underwriting, Real Property, New Home Sales, Income Properties, Buyers, Brokerage, Property, Condos, Commercial Mortgages, Relocation, Commercial Real Estate, Commercial Lending, Investments, Luxury
Education
California State University-Northridge 1994 — 1996
BA, Communications
Grant High 1987 — 1989
High School Diploma
Deborah Barnes Deborah Barnes's CS Financial Experience July 2007 - November 2009
Job Learning & Development at Whole Foods Market
Industry Professional Training & Coaching
Experience
Whole Foods Market April 2013 - Present
Whole Foods Market February 2011 - April 2013
Contemporary Security Canada 2010 - 2010
Contemporary Security Canada 2009 - 2010
CS Financial July 2007 - November 2009
ILSC Education Group 2003 - 2007
ILSC Education Group 2003 - 2007
Skills
Adult Education, ADDIE, Articulate Suite, Microsoft Publisher, Needs Analysis, French, HTML, Captivate, SnagIt
Education
Langevin Learning Services 2011 — 2011
Certificate, Instructional Designer / Developer
Simon Fraser University
Bachelor of Arts, French Studies
True Colors, Inc.
Vancouver Community College
Diploma, Adult Education TESOL
Whole Foods Market April 2013 - Present
Whole Foods Market February 2011 - April 2013
Contemporary Security Canada 2010 - 2010
Contemporary Security Canada 2009 - 2010
CS Financial July 2007 - November 2009
ILSC Education Group 2003 - 2007
ILSC Education Group 2003 - 2007
Skills
Adult Education, ADDIE, Articulate Suite, Microsoft Publisher, Needs Analysis, French, HTML, Captivate, SnagIt
Education
Langevin Learning Services 2011 — 2011
Certificate, Instructional Designer / Developer
Simon Fraser University
Bachelor of Arts, French Studies
True Colors, Inc.
Vancouver Community College
Diploma, Adult Education TESOL
Lauren Mitchell, CPA's CS Financial Experience June 2005 - August 2005
Job Tax Accountant
Industry Accounting
Experience
Not Looking Tax AccountantCohnReznick LLPMay 2010 - February 2013
AKT BPO PVT LTD January 2008 - April 2010
CS Financial June 2005 - August 2005
BWR Public Relations June 2005 - August 2005
International Creative Management (ICM) June 2004 - August 2004
Skills
Tax, Financial Analysis, GAAP, Financial Reporting, Financial Statements, Auditing, Accounting
Education
University of Southern California
BA, Communications, Minor in Business
Not Looking Tax AccountantCohnReznick LLPMay 2010 - February 2013
AKT BPO PVT LTD January 2008 - April 2010
CS Financial June 2005 - August 2005
BWR Public Relations June 2005 - August 2005
International Creative Management (ICM) June 2004 - August 2004
Skills
Tax, Financial Analysis, GAAP, Financial Reporting, Financial Statements, Auditing, Accounting
Education
University of Southern California
BA, Communications, Minor in Business
Taiho Decker's CS Financial Experience February 2004 - December 2007
Job
Industry Computer Hardware
Experience
Keller School of Management August 2011 - Present
selfemployed September 2008 - September 2010
Bear Data Systems November 2007 - September 2008
CS Financial February 2004 - December 2007
selfemployed 2001 - February 2004
Philips Semiconductors 1998 - 2001
VLSI Technologies, Inc. 1997 - 1999
Nexus Manufacturers' Representative 1993 - 1996
Viewlogic 1992 - 1994
Network Equipment Technologies November 1988 - June 1991
Education
University of California, Santa Barbara 1982 — 1986
BS, Electrical and Computer Engineering
Keller School of Management August 2011 - Present
selfemployed September 2008 - September 2010
Bear Data Systems November 2007 - September 2008
CS Financial February 2004 - December 2007
selfemployed 2001 - February 2004
Philips Semiconductors 1998 - 2001
VLSI Technologies, Inc. 1997 - 1999
Nexus Manufacturers' Representative 1993 - 1996
Viewlogic 1992 - 1994
Network Equipment Technologies November 1988 - June 1991
Education
University of California, Santa Barbara 1982 — 1986
BS, Electrical and Computer Engineering
Patrick McKenna's CS Financial Experience February 2013 - March 2015
Job Managing Member Palisades Capital Managment
Industry Financial Services
Experience
Palisades Capital Management April 2015 - Present
Palisades Funding, Inc April 2015 - Present
CS Financial February 2013 - March 2015
Union Bank August 2011 - February 2013
1st California Mortgage & Real Estate November 2010 - February 2012
Direct Financial Group, Inc. February 2004 - November 2010
Newport Mortgage & Investment October 2002 - December 2004
Skills
Loans, Mortgage Lending, Real Estate, Investments, Finance, Commercial Mortgages, Credit, FHA, Real Estate Financing, Financial Analysis, Banking, Loan Origination, Credit Analysis, Commercial Lending, Residential Mortgages, Refinance, Mortgage Banking, Real Estate Economics, Residential Homes, Brokerage, Underwriting, VA loans
Education
Chapman University, The George L. Argyros School of Business and Economics 2003 — 2005
MBA, Business
Washington State University 1994 — 1996
BA, History
Loyola High School 1988 — 1992
Diploma
Washington and Lee University
Palisades Capital Management April 2015 - Present
Palisades Funding, Inc April 2015 - Present
CS Financial February 2013 - March 2015
Union Bank August 2011 - February 2013
1st California Mortgage & Real Estate November 2010 - February 2012
Direct Financial Group, Inc. February 2004 - November 2010
Newport Mortgage & Investment October 2002 - December 2004
Skills
Loans, Mortgage Lending, Real Estate, Investments, Finance, Commercial Mortgages, Credit, FHA, Real Estate Financing, Financial Analysis, Banking, Loan Origination, Credit Analysis, Commercial Lending, Residential Mortgages, Refinance, Mortgage Banking, Real Estate Economics, Residential Homes, Brokerage, Underwriting, VA loans
Education
Chapman University, The George L. Argyros School of Business and Economics 2003 — 2005
MBA, Business
Washington State University 1994 — 1996
BA, History
Loyola High School 1988 — 1992
Diploma
Washington and Lee University
Rebecca Bruggeman's CS Financial Experience March 2012 - October 2013
Job Mortgage Credit Compliance Director
Industry Financial Services
Experience
PMAC Lending Services Inc. June 2014 - Present
CS Financial March 2012 - October 2013
Bank of America Home Loans December 2008 - March 2012
SBMC Mortgage Company March 1998 - September 2007
Prudential Home Mortgage December 1993 - 1994
RSL Mortgage Company April 1990 - December 1993
Skills
Mortgage Lending, Mortgage Banking, Loan Origination, Banking, Project Management, HMDA, Credit Analysis, Credit, Appraisal Skills, Compliance, Policy & Procedure..., AML, Credit Policy..., Mortgage Credit Policy, Mortgage Compliance..., Mortgage Product..., Appraisals, Residential Appraisal..., Real Estate, Operational Risk..., Credit Risk, Mortgage Underwriting, Secondary Marketing /..., Relationship Management, Team Building, Training, Process Improvement, Refinance, Reverse Mortgages, Construction Loans, Mortgage Marketing, Residential Homes, Microsoft Office..., Technical Writing, Financial Services, Residential Mortgages, Loans
Education
Edinboro University of Pennsylvania
Communications
University of California, Los Angeles
Project Management
University of Pittsburgh
Journalism / Communication
PMAC Lending Services Inc. June 2014 - Present
CS Financial March 2012 - October 2013
Bank of America Home Loans December 2008 - March 2012
SBMC Mortgage Company March 1998 - September 2007
Prudential Home Mortgage December 1993 - 1994
RSL Mortgage Company April 1990 - December 1993
Skills
Mortgage Lending, Mortgage Banking, Loan Origination, Banking, Project Management, HMDA, Credit Analysis, Credit, Appraisal Skills, Compliance, Policy & Procedure..., AML, Credit Policy..., Mortgage Credit Policy, Mortgage Compliance..., Mortgage Product..., Appraisals, Residential Appraisal..., Real Estate, Operational Risk..., Credit Risk, Mortgage Underwriting, Secondary Marketing /..., Relationship Management, Team Building, Training, Process Improvement, Refinance, Reverse Mortgages, Construction Loans, Mortgage Marketing, Residential Homes, Microsoft Office..., Technical Writing, Financial Services, Residential Mortgages, Loans
Education
Edinboro University of Pennsylvania
Communications
University of California, Los Angeles
Project Management
University of Pittsburgh
Journalism / Communication
Steve Friree's CS Financial Experience July 2006 - August 2010
Job Loan officer/mortgage consultant at Leader Bank
Industry Financial Services
Experience
Leader Bank August 2015 - Present
Leader Mortgage August 2010 - August 2015
CS Financial July 2006 - August 2010
Worcester Controls 1995 - 2000
Skills
Loans, Refinance, Residential Mortgages, Mortgage Lending, Mortgage Banking, Loan Origination, FHA, Credit, Real Estate, Investment Properties, First Time Home Buyers, Finance, FHA financing, Commercial Lending, Residential Homes, Underwriting, Construction Loans, Real Estate Economics, Real Estate Financing, Commercial Mortgages
Education
Northeastern University 2012 — 2014
Finance and Accounting Management
Wentworth Institute of Technology 1995 — 1998
Leader Bank August 2015 - Present
Leader Mortgage August 2010 - August 2015
CS Financial July 2006 - August 2010
Worcester Controls 1995 - 2000
Skills
Loans, Refinance, Residential Mortgages, Mortgage Lending, Mortgage Banking, Loan Origination, FHA, Credit, Real Estate, Investment Properties, First Time Home Buyers, Finance, FHA financing, Commercial Lending, Residential Homes, Underwriting, Construction Loans, Real Estate Economics, Real Estate Financing, Commercial Mortgages
Education
Northeastern University 2012 — 2014
Finance and Accounting Management
Wentworth Institute of Technology 1995 — 1998
R.J. Arnett's CS Financial Experience September 2011 - October 2012
Job Southwest Regional Sales Manager at CMG Financial
Industry Financial Services
Experience
CMG Financial January 2014 - Present
Icon Residential Lenders/Rushmore Home Loans October 2012 - September 2013
CS Financial September 2011 - October 2012
ClearPoint Funding November 2010 - September 2011
StoneWater Mortgage July 2008 - October 2009
MortgageIT a Subsidiary of Deutsche Bank September 2003 - March 2008
Countrywide Financial Corportation March 2001 - September 2003
Countrywide Financial Corporation September 1997 - February 2001
Countrywide Financial Corporation February 1997 - August 1997
Countrywide Financial Corporation May 1995 - January 1997
Skills
Mortgage Banking, Mortgage Lending, Loan Origination, Loans, Residential Mortgages, FHA, Refinance, Credit, VA loans, USDA, Mortgage Underwriting, Underwriting, Loss Mitigation, Sales Management, Banking
Education
Occidental College 1982 — 1985
bachelor of arts, American Studies with Economics
CMG Financial January 2014 - Present
Icon Residential Lenders/Rushmore Home Loans October 2012 - September 2013
CS Financial September 2011 - October 2012
ClearPoint Funding November 2010 - September 2011
StoneWater Mortgage July 2008 - October 2009
MortgageIT a Subsidiary of Deutsche Bank September 2003 - March 2008
Countrywide Financial Corportation March 2001 - September 2003
Countrywide Financial Corporation September 1997 - February 2001
Countrywide Financial Corporation February 1997 - August 1997
Countrywide Financial Corporation May 1995 - January 1997
Skills
Mortgage Banking, Mortgage Lending, Loan Origination, Loans, Residential Mortgages, FHA, Refinance, Credit, VA loans, USDA, Mortgage Underwriting, Underwriting, Loss Mitigation, Sales Management, Banking
Education
Occidental College 1982 — 1985
bachelor of arts, American Studies with Economics
Todd Leddon's CS Financial Experience April 2013 - August 2013
Job Vice President, Capital Markets at Skyline Financial Corp
Industry Banking
Experience
Skyline Financial Corp August 2013 - Present
CS Financial April 2013 - August 2013
CS Financial 2012 - April 2013
Bank of America October 2010 - December 2011
Bank of America December 2007 - September 2010
Bank of America Correspondent Lending Division April 2007 - November 2007
Countrywide Financial Corp April 2005 - March 2007
Countrywide - Correspondent Lending Division May 2002 - March 2005
Countrywide Financial Corporation - Correspondent Lending Division April 2001 - April 2002
Skills
Pricing, CRM, Loans, Microsoft Excel, Negotiation, Mortgage Banking, Mortgage Lending, Credit, Finance, Sales, Loan Origination, Residential Mortgages, Management, Financial Modeling, Loss Mitigation, Capital Markets, Executive Management, Credit Analysis, Refinance, Banking, Underwriting, FHA
Education
California State University-Northridge 1994 — 2000
Finance, General
California State University
B.S, Business Administration Finance
Skyline Financial Corp August 2013 - Present
CS Financial April 2013 - August 2013
CS Financial 2012 - April 2013
Bank of America October 2010 - December 2011
Bank of America December 2007 - September 2010
Bank of America Correspondent Lending Division April 2007 - November 2007
Countrywide Financial Corp April 2005 - March 2007
Countrywide - Correspondent Lending Division May 2002 - March 2005
Countrywide Financial Corporation - Correspondent Lending Division April 2001 - April 2002
Skills
Pricing, CRM, Loans, Microsoft Excel, Negotiation, Mortgage Banking, Mortgage Lending, Credit, Finance, Sales, Loan Origination, Residential Mortgages, Management, Financial Modeling, Loss Mitigation, Capital Markets, Executive Management, Credit Analysis, Refinance, Banking, Underwriting, FHA
Education
California State University-Northridge 1994 — 2000
Finance, General
California State University
B.S, Business Administration Finance
Lee Moulton's CS Financial Experience 2011 - 2012
Job Vicepresident JLM Properties
Industry Financial Services
Experience
JLM Properties Inc February 2009 - Present
CS Financial 2011 - 2012
MortgageIT, a subsidiary of Deutsche Bank 2003 - 2007
Counrtrywide Home Loans March 1995 - August 2003
Skills
Mortgage Banking, Mortgage Lending, Strategic Planning, Sales, Business Development, Marketing, Management, Team Building, Recruiting, Leadership, P&L Management, Selling, Investments, Sales Management, Cold Calling, Contract Negotiation, Real Estate, Negotiation, Finance, Loan Origination
Education
State University of New York at New Paltz 1975 — 1979
JLM Properties Inc February 2009 - Present
CS Financial 2011 - 2012
MortgageIT, a subsidiary of Deutsche Bank 2003 - 2007
Counrtrywide Home Loans March 1995 - August 2003
Skills
Mortgage Banking, Mortgage Lending, Strategic Planning, Sales, Business Development, Marketing, Management, Team Building, Recruiting, Leadership, P&L Management, Selling, Investments, Sales Management, Cold Calling, Contract Negotiation, Real Estate, Negotiation, Finance, Loan Origination
Education
State University of New York at New Paltz 1975 — 1979
Juline Chutuk's CS Financial Experience January 2012 - May 2014
Job Loan Consultant at Mortgage Capital Partners
Industry Real Estate
Experience
Mortgage Capital Partners May 2014 - Present
HBC Financial June 2000 - Present
CS Financial January 2012 - May 2014
Skills
First Time Home Buyers, Short Sales, Contract Negotiation, Project Management, Strategic Planning, Real Estate, FHA, Leadership, Public Speaking, Refinance, Foreclosures, Investment Properties, VA loans, FHA financing, Mortgage Banking, USDA, Loan Origination, Loans, Residential Mortgages, Mortgage Lending, Mortgage Underwriting, REO
Education
California State University-Channel Islands 2001 — 2003
Mortgage Capital Partners May 2014 - Present
HBC Financial June 2000 - Present
CS Financial January 2012 - May 2014
Skills
First Time Home Buyers, Short Sales, Contract Negotiation, Project Management, Strategic Planning, Real Estate, FHA, Leadership, Public Speaking, Refinance, Foreclosures, Investment Properties, VA loans, FHA financing, Mortgage Banking, USDA, Loan Origination, Loans, Residential Mortgages, Mortgage Lending, Mortgage Underwriting, REO
Education
California State University-Channel Islands 2001 — 2003
Ed Constantian's CS Financial Experience April 2006 - Present
Job Vice President at CS Financial
Industry Financial Services
Experience
CS Financial April 2006 - Present
Education
California State University-Northridge
CS Financial April 2006 - Present
Education
California State University-Northridge
Paul Thorsteinson's CS Financial Experience March 2013 - December 2013
Job Director at Government of Alberta
Industry Information Technology and Services
Experience
Government of Alberta January 2014 - Present
CS Financial March 2013 - December 2013
CompuVision Systems October 1996 - January 2013
Skills
Disaster Recovery, Managed Services, Virtualization, VMware, Cloud Computing, Cisco Technologies, Network Security, IT Service Management, IT Management, Servers, HP, Data Center, VoIP, Active Directory, Windows Server, IT Strategy, People Skills, ITIL, Team Management, Conducting Interviews, IT Operations, Networking, Project Management, Resource Management, Service Management, Strategy, Information Technology
Education
The University of Calgary 1990 — 1993
B.Sc., Geography
Government of Alberta January 2014 - Present
CS Financial March 2013 - December 2013
CompuVision Systems October 1996 - January 2013
Skills
Disaster Recovery, Managed Services, Virtualization, VMware, Cloud Computing, Cisco Technologies, Network Security, IT Service Management, IT Management, Servers, HP, Data Center, VoIP, Active Directory, Windows Server, IT Strategy, People Skills, ITIL, Team Management, Conducting Interviews, IT Operations, Networking, Project Management, Resource Management, Service Management, Strategy, Information Technology
Education
The University of Calgary 1990 — 1993
B.Sc., Geography
Cort Wagner's CS Financial Experience January 2007 - 2012
Job Managing Director at CS Financial Inc.
Industry Financial Services
Experience
CS Financial Inc. January 2007 - Present
CS Financial January 2007 - 2012
Skills
Mortgage Banking, Real Estate, Investments, Residential Homes, Loan Origination, Management, Commercial Real Estate, Mortgage Lending, Loans, Refinance, FHA, Investment Properties, Customer Service, Residential Mortgages, First Time Home Buyers, Commercial Mortgages, Real Estate Economics
Education
USC 1984 — 1989
Masters
CS Financial Inc. January 2007 - Present
CS Financial January 2007 - 2012
Skills
Mortgage Banking, Real Estate, Investments, Residential Homes, Loan Origination, Management, Commercial Real Estate, Mortgage Lending, Loans, Refinance, FHA, Investment Properties, Customer Service, Residential Mortgages, First Time Home Buyers, Commercial Mortgages, Real Estate Economics
Education
USC 1984 — 1989
Masters
David Westley's CS Financial Experience 2009 - Present
Job Mortgage Banker at CS Financial
Industry Banking
Experience
CS Financial 2009 - Present
Advisors Lending Group 1989 - 2009
Education
USC
Master's degree
CS Financial 2009 - Present
Advisors Lending Group 1989 - 2009
Education
USC
Master's degree
Lulu Lam, CPA's CS Financial Experience October 2010 - July 2014
Job Audit Manager at CSSG CPAs
Industry Accounting
Experience
CSSG CPAs August 2014 - Present
AGCA, Inc. July 2010 - Present
CS Financial October 2010 - July 2014
Real Estate Investor Club of Los Angeles 2014 - 2014
CS Financial 2010 - 2013
R.R. Hawkins & Associates International, a PSC December 2009 - 2010
Decurion 2008 - 2009
ASA, LLP 2007 - 2009
Sun Valley 2008 - 2008
kallman and company, cpa 2000 - 2005
Skills
Financial Reporting, Auditing, Accounting, Financial Analysis, Sarbanes-Oxley Act, Account Reconciliation, QuickBooks, Internal Controls, Income Tax, GAAP, Journal Entries, Fixed Assets, General Ledger, Corporate Tax, Cash Flow, Accounts Payable, Corporate Governance, Tax, Managerial Finance, Accounts Receivable, Tax Returns, Tax Preparation, Business Valuation, SEC filings, US GAAP, Mergers & Acquisitions, CPA, Finance, Financial Modeling, Corporate Finance, Tax Accounting, Sales Tax, Cost Accounting, Cash Management, Financial Accounting, Financial Audits, Accruals, Financial Statements, IRS, Payroll, Internal Audit, Tax Research, Strategic Financial..., External Audit
Education
California State University-Long Beach
Bachelor of Science, Accounting
CSSG CPAs August 2014 - Present
AGCA, Inc. July 2010 - Present
CS Financial October 2010 - July 2014
Real Estate Investor Club of Los Angeles 2014 - 2014
CS Financial 2010 - 2013
R.R. Hawkins & Associates International, a PSC December 2009 - 2010
Decurion 2008 - 2009
ASA, LLP 2007 - 2009
Sun Valley 2008 - 2008
kallman and company, cpa 2000 - 2005
Skills
Financial Reporting, Auditing, Accounting, Financial Analysis, Sarbanes-Oxley Act, Account Reconciliation, QuickBooks, Internal Controls, Income Tax, GAAP, Journal Entries, Fixed Assets, General Ledger, Corporate Tax, Cash Flow, Accounts Payable, Corporate Governance, Tax, Managerial Finance, Accounts Receivable, Tax Returns, Tax Preparation, Business Valuation, SEC filings, US GAAP, Mergers & Acquisitions, CPA, Finance, Financial Modeling, Corporate Finance, Tax Accounting, Sales Tax, Cost Accounting, Cash Management, Financial Accounting, Financial Audits, Accruals, Financial Statements, IRS, Payroll, Internal Audit, Tax Research, Strategic Financial..., External Audit
Education
California State University-Long Beach
Bachelor of Science, Accounting
Tyler Vonderlieth's CS Financial Experience January 2005 - January 2008
Job VP of Mortgage Lending at Guaranteed Rate
Industry Real Estate
Experience
Guaranteed Rate December 2014 - Present
STARTEK January 2008 - August 2014
CS Financial January 2005 - January 2008
Nefin Volvo 2004 - 2005
Skills
Mortgage Lending, Loan Origination, Real Estate Development, Real Estate Transactions, First Time Home Buyers, Management, Operations Management, BPO, Call Center, Offshoring, Outsourcing, Customer Experience, Service Delivery, Vendor Management, Workforce Management, Customer Service, Sourcing, IT Outsourcing, Call Centers, Contact Centers, Social Media, Sales, Marketing Strategy
Education
Northern Arizona University 1995 — 1999
Santa Monica High School
Guaranteed Rate December 2014 - Present
STARTEK January 2008 - August 2014
CS Financial January 2005 - January 2008
Nefin Volvo 2004 - 2005
Skills
Mortgage Lending, Loan Origination, Real Estate Development, Real Estate Transactions, First Time Home Buyers, Management, Operations Management, BPO, Call Center, Offshoring, Outsourcing, Customer Experience, Service Delivery, Vendor Management, Workforce Management, Customer Service, Sourcing, IT Outsourcing, Call Centers, Contact Centers, Social Media, Sales, Marketing Strategy
Education
Northern Arizona University 1995 — 1999
Santa Monica High School
Charles Snider's CS Financial Experience 2009 - Present
Job CS Financial
Industry Financial Services
Experience
CS Financial 2009 - Present
ING 2007 - 2013
Pre Paid Legal 2004 - 2006
MB Public Relations 2004 - 2005
Givnish Family Funeral Homes 1988 - 1999
Skills
Marketing Strategy, Sales Management, Training, Public Speaking, Strategic Planning, Microsoft Office, Customer Service, Coaching, Team Building, Marketing, Fixed Annuities, Insurance, Leadership Development, Life Insurance, Project Management, Small Business, New Business Development, Mortgage Lending, Commercial Banking, Credit Analysis, Credit, Sales, Small Business Lending, Commercial Lending
Education
The University of Texas at Arlington
CS Financial 2009 - Present
ING 2007 - 2013
Pre Paid Legal 2004 - 2006
MB Public Relations 2004 - 2005
Givnish Family Funeral Homes 1988 - 1999
Skills
Marketing Strategy, Sales Management, Training, Public Speaking, Strategic Planning, Microsoft Office, Customer Service, Coaching, Team Building, Marketing, Fixed Annuities, Insurance, Leadership Development, Life Insurance, Project Management, Small Business, New Business Development, Mortgage Lending, Commercial Banking, Credit Analysis, Credit, Sales, Small Business Lending, Commercial Lending
Education
The University of Texas at Arlington
Eddie Correa's CS Financial Experience November 2008 - Present
Job Private Banking at CS Financial
Industry Real Estate
Experience
CS Financial November 2008 - Present
Doma Properties 2009 - 2013
Delta Homes & Lending August 2004 - October 2008
Skills
Investment Properties, Real Estate, Mortgage Lending, FHA, Commercial Real Estate
Education
University of California, Santa Cruz 1993 — 1998
Bachelors, Chemistry, Biology
CS Financial November 2008 - Present
Doma Properties 2009 - 2013
Delta Homes & Lending August 2004 - October 2008
Skills
Investment Properties, Real Estate, Mortgage Lending, FHA, Commercial Real Estate
Education
University of California, Santa Cruz 1993 — 1998
Bachelors, Chemistry, Biology
Michaela De Castro's CS Financial Experience May 2009 - December 2010
Job Loan Processor
Industry Real Estate
Experience
Mortgage Capital Partners December 2010 - Present
CS Financial May 2009 - December 2010
Skyline Financial Corp November 2008 - May 2009
Americorp Funding January 2006 - November 2008
Advisors Lending Group August 2002 - December 2005
Allied Company November 2000 - July 2002
Bankard, Inc. 1995 - 2000
Skills
Mortgage Lending, FHA, Residential Mortgages, Refinance, Loans, Mortgage Banking, Loan Origination, Real Estate, FHA financing, Credit, VA loans
Education
Ateneo de Davao University 1984 — 1988
Bachelor of Science, Accounting
Mortgage Capital Partners December 2010 - Present
CS Financial May 2009 - December 2010
Skyline Financial Corp November 2008 - May 2009
Americorp Funding January 2006 - November 2008
Advisors Lending Group August 2002 - December 2005
Allied Company November 2000 - July 2002
Bankard, Inc. 1995 - 2000
Skills
Mortgage Lending, FHA, Residential Mortgages, Refinance, Loans, Mortgage Banking, Loan Origination, Real Estate, FHA financing, Credit, VA loans
Education
Ateneo de Davao University 1984 — 1988
Bachelor of Science, Accounting
Kevin Ruter's CS Financial Experience March 2011 - May 2012
Job Ecommerce & Marketing Manager at Venture Heat
Industry Marketing and Advertising
Experience
VentureHeat April 2014 - Present
Stang Industries May 2012 - April 2014
CS Financial March 2011 - May 2012
AccuScore July 2009 - December 2009
Skills
Social Media, Online Marketing, Marketing, Email Marketing, Social Media Marketing, Marketing Strategy, Sales, Account Management, Salesforce.com, B2B, Customer Service, CRM, Sales Management, Microsoft Excel, Management, Strategic Planning
Education
DeVry 2010 — 2012
Bachelor’s Degree, Business Technical Management
Fashion Institute of Design & Merchandising 2007 — 2009
Associate’s Degree, Merchandise Marketing
VentureHeat April 2014 - Present
Stang Industries May 2012 - April 2014
CS Financial March 2011 - May 2012
AccuScore July 2009 - December 2009
Skills
Social Media, Online Marketing, Marketing, Email Marketing, Social Media Marketing, Marketing Strategy, Sales, Account Management, Salesforce.com, B2B, Customer Service, CRM, Sales Management, Microsoft Excel, Management, Strategic Planning
Education
DeVry 2010 — 2012
Bachelor’s Degree, Business Technical Management
Fashion Institute of Design & Merchandising 2007 — 2009
Associate’s Degree, Merchandise Marketing
Citizens Bank
Indymac Bank
MBNA
First Union National Bank
Prudential Securities
SunTrust Mortgage
Federal Reserve Board
Zions Bancorporation