Experience
Opes Advisors  October 2013 - Present
Commerce Mortgage  November 2010 - October 2013
Bank of America Home Loans  April 2009 - November 2010
Countrywide Home Loans  March 2006 - April 2009
Countrywide Home Loans  April 2003 - March 2006
Washington Mutual Bank Home Loan Center   January 1998 - March 2003
Home Savings of America   January 1992 - January 1998
Coldwell Banker, Dan Blough & Associates   August 1991 - March 1992

Skills
Loans, Refinance, Real Estate, Investment Properties, Underwriting, Management, Marketing, Recruiting, Marketing Strategy, Mortgage Banking, Mortgage Lending

Education
California State University-Fresno   1985 — 1989
Bachelor's of Science, Business AdministrationOption; Real Estate and Urban Land Economics

Experience
Stearns Lending  April 2014 - November 2014
Bank of America  July 2010 - December 2013
Home Savings of America   September 2008 - February 2010
Washington Mutual Bank (Chase)   March 1996 - February 2008
Washington Mutual Bank  1996 - 2008
Cupertino National Bank   1993 - 1995
Citibank  March 1988 - March 1993
Anaheim Savings and Loan   1979 - 1981

Skills
Credit Analysis, Compliance, Team Building, Strategic Planning, Operational Efficiency, Mortgage Lending, FHA, Credit, Loans, Management, Risk Management, Refinance, VA loans, Operations Management, Banking, Leadership, Mortgage Banking, VA Loans, Underwriting, Loan Origination

Education
California State University-Fresno   1975 — 1977
Master of Arts (MA), Counseling/Education

National Cheng-Chi University, Taipei, Taiwan   1971 — 1974
Bachelor's degree, Education

Experience
Lobel Financial  December 2014 - Present
Premier Auto Credit  April 2014 - Present
mycarpayoff.com   April 2013 - 2014
JW Law   January 2011 - June 2012
FOREX  January 2006 - March 2012
Top Finance Company   March 2008 - September 2009
A.C.C CONSUMER FINANCE   2006 - 2007
Key Bank  March 2001 - May 2005
CItibank Auto Finance   March 1995 - 2002
Home Savings of America   February 1993 - June 1995

Skills
Management, Sales, CRM, Real Estate, Selling, Sales Management, Marketing, Marketing Strategy, Credit, Customer Service, Strategic Planning, Team Building, Customer Retention, Loans, Relationship Management, Business Planning

Education
California State University-Long Beach   1988 — 1993
CS

Experience
El Monte City School District  January 2015 - June 2015
Arcadia City Employees Federal Credit Union   September 2011 - February 2012
Community Bank  September 2008 - January 2011
Visterra Credit Union  October 2006 - September 2008
CO-OP Financial Services  May 2005 - October 2006
Foothill Federal Credit Union  June 2002 - May 2005
Wescom Credit Union  October 1998 - June 2002
Home Savings of America   February 1993 - October 1998
Dr. Charles A. Leroy   December 1991 - February 1993

Skills
Microsoft Office, PowerPoint, Microsoft Word, Microsoft Excel, Customer Service, Research, Public Speaking, Healthcare, Teamwork, Cpr Certified, Social Media, Medical Terminology, Windows, Data Analysis, English, Time Management, Meditech, Coaching, Banking, Vital Signs, Training, Critical Thinking, Customer Satisfaction, Clerical Skills, Medical Records, Hospitals, Direct Patient Care, Compassion, Telephone Skills, Medication..., Office Management, Outlook, Nursing Care, Care Planning, Nursing, Call Centers, Leadership, Employee Relations, EMR, EHR, Phone Etiquette, Patient Safety, HIPAA, Team Building, Process Improvement, BLS, Data Entry, CPR Certified

Education
Citrus College   2015 — 2016
Registered Nursing/Registered Nurse

Citrus College   2012 — 2015

Citrus College   2014 — 2014
Certificate, Health Unit Coordinator/Ward Clerk

LVN Nursing Program Citrus College   2011 — 2012

Monrovia Community Adult School (ROP)   2011 — 2011
Certificate, Certified Nurse Assistant

North-West College-West Covina   1991 — 1991
Certificate, Medical Reception/Receptionist

Experience
The Walt Disney Company  April 2015 - Present
Southern California Edison (SCE)   December 1998 - January 2015
Southern California Edison (SCE)   February 2007 - April 2009
Southern California Edison (SCE)   December 1998 - February 2007
Home Savings of America   November 1989 - December 1998
Home Savings of America   August 1988 - November 1989
Los Angeles County Office of the Assessor  January 1987 - August 1988

Skills
Microsoft Excel, Microsoft Word, Visio, MS Project, PowerPoint, SAP ERP, Process Improvement, Project Management, Microsoft Project, Business Process..., Cross-functional Team..., Integration, Vendor Management, PMP, PMO, Project Portfolio..., SDLC, Business Analysis, Program Management, Business Process

Education
California State University-Los Angeles   1981 — 1985
BS, Business Administration, Business Information Systems

Brandman University, Part of the Chapman University System   2014 — 2014
Lean Six Sigma Green Belt Certificate

SSD Global, Inc.   2009 — 2010
Lean Six Sigma Yellow Belt Certificate

University of California, Irvine   2006 — 2007
Project Management Certification Program

Experience
TASC  January 2010 - Present
Home Savings of America   February 2007 - June 2011
National Mortgage Company  February 2002 - February 2007
Saturn of Aurora   June 1996 - February 2002

Skills
B2B, B2C, Sales Management, Sales Process, Sales Trainings, Logistics, Wholesale Sales, Territory Planning, Profit Improvement, Business Strategy, Microsoft Office, Excel, Word, Wordpress, Customer Relations, Creative Problem Solving, Strategic Planning, Negotiation, Cold Calling, Public Speaking, Account Management, Consultative Selling, New Business Development, Customer Service, PowerPoint, Problem Solving, Sales Presentations, Territory Growth, Key Account Management, Supply Chain Management, Sales, Selling, Customer Retention, Sales Operations, Microsoft Excel, Leadership

Education
Art Institute of Colorado   1996 — 1998

University of Denver   1996 — 1998

Colorado College   1996 — 1996

Experience
Citizens Financial Group, Inc.   November 2014 - Present
Sounds of Pittsburgh Chorus   February 2011 - Present
RBS Citizens Group  July 2013 - November 2014
The Forkin/Shamblen Mortgage Team   May 2010 - June 2013
Home Savings of America   May 2010 - February 2012
BHS/SAI   1981 - 2011
Statewide Home Mortgage   2007 - 2008
Randall Mortgage  2000 - 2007
Randall Mortgage Services, Inc.   2000 - 2006

Skills
Mortgage Lending, FHA, Team Building, Public Speaking, Sales Management, Customer Service, Event Planning, Marketing, Microsoft Excel, Strategic Planning, Fundraising, Microsoft Office, Microsoft Word, Social Media, Mortgage Banking, Insurance, USDA, Loans, Refinance, Loan Origination, Reverse Mortgages, Investment Properties, Residential Homes, Selling, Sales

Education
Bowling Green State University   1974 — 1979
Music Composition and Choral Conducting

Experience
MUFG Union Bank  December 2014 - Present
East West Bank  September 2011 - December 2014
Union Bank  September 2009 - September 2011
AAA Southern California   December 2008 - September 2009
City National Bank Corporation   November 1998 - December 2008
Home Savings of America   April 1996 - October 1998
First Interstate Bancorporation   August 1994 - April 1996
ANCO Engineers / ANCO Consulting   December 1990 - August 1994

Skills
Finance, Product Development, Product Management, Data Analysis, Dashboard Metrics, Metric Development, Project Management, Profitability Management, Marketing Strategy, Market Research, Talent Management, Training Delivery, Presentation Skills, Treasury Management, Commercial Banking, Performance Measurement, Technical Analysis, Utility Industry, Membership Retention, Cash Management, Cost Benefit, Forecasting, Banking, Management, ACH, Strategy, Budgets, Strategic Planning, Project Planning, Credit, Internet Banking, Payments, Risk Management, Marketing, Loans, Quantitative Analytics, Electronic Payments, Financial Modeling, Financial Analysis, Financial Services, Portfolio Management

Education
California State University-Long Beach   1988 — 1990
MA, Economics

California State University-Long Beach   1985 — 1988
BA, Economics

Experience
Business Insights, Inc.   January 1999 - Present
Amgen  1999 - Present
Home Savings of America   June 1997 - October 1998
First Interstate Bank  January 1981 - April 1996

Skills
Management Consulting, Organizational..., Leadership Development, Executive Coaching, Strategy, Performance Management, Change Management, Strategic Planning, Acquisition Integration, Risk Management, Process Improvement, Organizational..., Treasury Management, Talent Management, Mergers, Leadership, Workshop Facilitation, Team Facilitation, Coaching, Project Management, Organizational Design, Analysis, Employee Engagement, Budgets, Executive Management, Team Building, Training, Business Development, Business Strategy, Culture Change, Operations Management, Personnel Management, Cross-functional Team..., Management, Workforce Planning, Mergers & Acquisitions, Program Management, Performance Improvement, Business Process..., Succession Planning, Banking

Education
University of Washington   1987 — 1990
Master's degree - Retail Banking, Banking and Financial Support Services

California State University-Los Angeles
Bachelor's degree, Sociology

Experience
Bank of America  December 2008 - Present
Orange County Association of REALTORS®  2014 - 2014
Home Savings of America   June 1988 - April 2008
Western Cities Mortgage   January 1987 - June 1988

Skills
Mortgage Lending, Loan Origination, Refinance, Loans, Real Estate, Short Sales, FHA, Mortgage Banking, VA loans, First Time Home Buyers, Investment Properties, Investors, FHA financing, Foreclosures, New Home Sales, Real Estate Transactions, Sellers, REO, HUD, Credit, Investments, Condos, Referrals, Residential Mortgages, Real Estate Financing, Single Family Homes, Underwriting, Banking, Residential Homes, Vacation Homes, Reverse Mortgages, Certified Mortgage..., Government Loans, Real Estate Economics, Property, Real Property

Education
California State University-Fullerton

Experience
Hallmark Home Mortgage  March 2014 - Present
Emery Financial Services, A subsidiary of Emery Federal Credit Union  April 2012 - March 2014
Home Savings of America   August 2009 - March 2012

Skills
Mortgage Lending, Refinance, Loans, Investment Properties, Residential Mortgages, FHA financing, VA home Loans, USDA, HARP 2.0, No Appraisal Refinance, FHA, Sellers, Mortgage Banking, Loan Origination, Underwriting, Referrals, Government Loans, Reverse Mortgages, Certified Mortgage..., First Time Home Buyers, Credit, REO, Short Sales, Credit Analysis, Real Estate, Mortgage Marketing, Real Estate Financing, Consumer Lending, Mortgage Servicing, Single Family Homes, Debt Consolidation, Relocation, Rates, Vacation Homes, Construction Loans, Mortgage Underwriting, Sales, VA loans, Commercial Lending, Home Equity Loans, HUD, Home Equity Lines of..., Banking, Investors, Appraisals, Funding, Residential Homes, Real Estate Transactions, Loan Servicing, Move Up Buyers

Education
Ball State University - College of Business   1998 — 2002
Marketing, Marketing, Accounting

South Bend Clay

Experience
Charter Communications  September 2012 - Present
Charter Communications  March 2009 - October 2011
Self Employed  April 2008 - March 2009
Time Warner Cable  March 2006 - April 2008
Time Warner - Time Warner Cable   December 2003 - March 2006
Time Warner - Warner Bros.   May 2000 - December 2003
Deloitte  March 1997 - May 2000
Home Savings of America   1996 - 1997
Keane, Inc.   1994 - 1996
California Federal Bank  1989 - 1994

Skills
Internal Communications, Marketing, Project Planning, Telecommunications, Sales Management

Education
California State Polytechnic University-Pomona   1974 — 1978
BA, Behavioral Science

Experience
Alpine Mortgage Corp   April 2013 - Present
RCR Export Corp.   February 2008 - Present
Cross River Bank  March 2011 - March 2013
Pre-Paid Legal Services, Inc.   May 2010 - July 2011
Home Savings of America   December 2009 - March 2011
Pre-Paid Legal Services, Inc.   2009 - 2010
Capital Hill Mortgage Co. Inc   January 2001 - December 2008

Skills
Loans, Mortgage Lending, Refinance, Mortgage, Purchase, Investment Properties, Residential Mortgages, First Time Home Buyers, Mortgage Banking, Loan Origination, Sales Management, Credit, Business Development, Real Estate Financing, Commercial Mortgages, Start-ups, Real Estate, Commercial Lending, Credit Analysis, Sales, Banking, Reverse Mortgages, Residential Homes, FHA, Investments, Finance, USDA, Entrepreneurship, Underwriting, VA loans, Real Estate Economics

Education
Russian Academy of Theatre Art   1978 — 1983
Master, Management

Experience
MB Financial Bank  October 2012 - Present
Home Savings of America   November 2011 - October 2012
Fifth Third Bank  May 2011 - October 2011
Huntington Mortgage  January 2011 - May 2011
US Bank Home Mortgage  October 2008 - December 2010
Prosperity Financial Group, Inc.   March 2002 - October 2008
Northwest Residential Mortgage   September 2000 - March 2002
Prudential Insurance Company  October 1996 - September 2000

Skills
FHA, Mortgage Lending, Loans, Refinance, First Time Home Buyers, Investment Properties, Management, Underwriting, Mortgage Banking, Credit, Sales Management, Loan Origination, USDA, Coaching, Banking, Project Management, Residential Mortgages, VA loans, Finance, Government Loans, Financial Analysis, Investors, Home Equity Lines of..., Real Estate Transactions, FHA financing

Education
Bowling Green State University   1988 — 2002
Marketing

Experience
Impac Mortgage  February 2014 - Present
Paramount Residential Mortgage Group dba PRMG   February 2013 - January 2014
ClearVision Funding  July 2012 - February 2013
BOFI Federal Bank  January 2011 - June 2012
Home Savings of America   May 2010 - January 2011
U.S. Mortgage Finance Corporation, Inc   September 2008 - June 2010
IndyMac Bank Wholesale   1999 - 2008
Indymac Bank  1999 - 2008

Skills
Mortgage Lending, Loan Origination, FHA, Loans, Mortgage Banking, Residential Mortgages, Refinance, VA loans, FHA financing, USDA, Reverse Mortgages, Credit, Underwriting, Construction Loans, Finance, Banking, Certified Mortgage..., Investment Properties, Government Loans, Investments, Commercial Lending, Business Development, Mortgage Underwriting, Portfolio Management, Funding, Sales, Real Estate Financing, Credit Analysis, Financial Structuring, Commercial Mortgages, Loan Servicing, Loss Mitigation, Consumer Lending, Small Business Lending, Real Estate Economics, Mortgage Marketing, Mortgage Servicing, Home Equity Loans, First Time Home Buyers, Real Estate, Credit Risk, Leadership, CRM, Lines Of Credit, Referrals, Foreclosures, REO, Home Equity Lines of..., VA Loans

Education
Bowling Green State University   1976 — 1981
BS, Communications

Experience
Jupina Associates   September 1996 - Present
Home Savings of America   1989 - 1995

Skills
QuickBooks, Small Business, Microsoft Office, Microsoft Excel, PowerPoint, Microsoft Word, Outlook, Non-profits, General Ledger, Event Planning, Nonprofits, Bookkeeping, Budgets, Program Management

Education
California State University-Hayward - School of Business and Economics   1981 — 1985
B.S., Accounting

Experience
JPMorgan Chase  January 2010 - Present
Wells Fargo Home Mortgage  November 2004 - November 2009
Countrywide Financial  July 2000 - September 2004
CalBay Mortage   June 1998 - July 2000
Glendale Federal Bank  May 1994 - June 1998
Home Savings of America   September 1990 - April 1994

Education
California State University-Hayward - School of Business and Economics   1989 — 1991
Bachelor of Applied Science (B.A.Sc.), Business Administration / Marketingl

Experience
Brunson-Jiu, LLC   March 2011 - Present
CJ & Associates  1989 - 2011
Coast Federal Bank  1988 - 1989
Home Savings of America   1986 - 1988

Skills
Expert Witness, Appraisers, Valuation, Commercial Real Estate, REO, Real Estate, Real Estate Damage..., Collateral Valuations, Retail, C-Stores, Custom Homes, Business Valuation, Multi-family Investment..., Industrial Buildings, Horse Properties, Acreage, Short Sales, Real Estate Investor, Leases, Gas Stations, Restaurants

Education
California State University-East Bay
Bachelor of Science (BS)

UC San Diego   1983 — 1985

Westmont College

Experience
Coldwell Banker Associated Brokers Realty  February 2011 - Present
Tarbell, Realtors  July 2006 - February 2011
Pechanga Resort & Casino  May 2006 - May 2007
Home Savings of America   June 1983 - September 1993

Skills
Short Sales, First Time Home Buyers, Selling, Real Estate, Investment Properties, Sellers, Buyer Representation, Condos, Foreclosures, REO, Real Estate Transactions, Single Family Homes, Refinance, Investors, Negotiation, Customer Service, New Home Sales, Listings, Mortgage Lending, Residential Homes

Education
California State University-Los Angeles   1983 — 1987
Bachelor's of Art, Art

Experience
Los Angeles County Department of Human Resources  February 2013 - Present
JP Morgan Chase (formerly WaMu)   October 1998 - January 2009
Home Savings of America   February 1989 - September 1998

Skills
EEO, Investigations, Employee Relations, Compliance, Legal Compliance, Private Investigations, Human Resources, Personnel Management, Mergers & Acquisitions, Employment Law, HR Policies, Training, Performance Management, Risk Management, Leadership, FMLA, Management, Mediation, Litigation

Education
California State Polytechnic University-Pomona
Bachelor's degree, Mgmt. and Human Resources

Experience
CherryRoad Technologies  July 2014 - Present
St. Joseph Health System  April 2011 - July 2014
CherryRoad Technologies  February 2001 - April 2011
Acuent   October 1999 - February 2001
Acuent   December 1998 - October 1999
DataStudy   November 1996 - December 1998
American Funds Service Company  November 1990 - November 1996
Home Savings of America   August 1984 - November 1990

Skills
Business Intelligence, HRIS, Virtualization, Financial Management, Hardware Architecture, Identity Management, Disaster Recovery, Managerial Finance, ERP, PeopleSoft, Business Process, Networking, Business Analysis, Requirements Analysis, Integration, Business Process..., SDLC, ITIL, Enterprise Software, CRM, Data Center, Cloud Computing, Databases, Information Technology, Software Development, Strategy, Management, SOA, Consulting, System Administration, Leadership, IT Management, Enterprise Architecture, Resource Management, Vendor Management, Data Warehousing, SharePoint, PMP, Requirements Gathering, IT Strategy, Security, Change Management, Analysis

Education
Chapman University   1993 — 1996
MBA, International Business emphasis

California State Polytechnic University-Pomona   1983 — 1989
BS, Computer Information Systems

Experience
Qwest  2010 - Present
CenturyLink Business  March 2000 - Present
Home Savings of America   July 1984 - January 1999
Security Pacific Bank  June 1980 - June 1984

Skills
Telecommunications, Requirements Analysis, Integration, Software Development, SQL, Troubleshooting, Business Analysis, Wireless, Databases, Ethernet, Requirements Gathering, VoIP, Microsoft SQL Server, Network Design, Visio, Project Management, Process Improvement, SDLC, Security, IP, XML, Agile Methodologies, Unix, Windows, Disaster Recovery, IT Strategy, Solution Architecture, Software Documentation, Weblogic, Team Leadership, TCP/IP, Testing, SharePoint, SOA, Web Services, Microsoft Office, IT Management, Data Center, Oracle, Software Project..., Linux

Education
California State Polytechnic University-Pomona   1974 — 1980
BS, Management Information Systems

Royal Oak High School   1970 — 1974

Experience
City National Bank  January 1999 - Present
Union Bank  December 1998 - December 1999
Home Savings of America   June 1987 - December 1998

Skills
Content Management, Email Communications, Email Marketing, Internet Banking, Banking, Interactive Marketing, eCommerce, SharePoint, Social Media, Analytics, Financial Services, ACH, Electronic Payments, Technical Writing, Treasury Management, Segmentation, Product Management, Risk Management, Software Documentation, Team Leadership, Intranet, Customer Service, Vendor Management, Relationship Management, Strategic Planning, Technical Support

Education
Hope International University   1991 — 1993
Bachelor's, Education

California State University-Long Beach   1987 — 1989
General Education

Experience
First American Mortgage Services  September 2012 - Present
OneWest Bank  November 2009 - September 2012
Indymac Bank  March 2006 - March 2009
Balboa Insurance Group  July 2004 - February 2006
Washington Mutual  2003 - 2004
ZC Sterling  July 1998 - May 2003
Home Savings of America   1990 - 1998
Washington Mutual  1982 - 1990

Skills
Strategic Partnerships, Asset Managment, Business, Financial Policies &..., Business Planning, Change Management, Procedural Documentation, Documentation Practices

Education
Allegheny College
Bachelor of Science (B.S.), Economics

Experience
Brintech, Inc.   November 2008 - June 2010
L. E. Echelmeyer & Co.   March 2004 - October 2008
Various Financial Institutions  August 2000 - February 2004
IBM  1998 - 2000
Home Savings of America   July 1996 - July 1997
First Interstate Bank of California  1971 - 1996
First Interstate Bank  1971 - 1996

Skills
Process Improvement, Retail Banking, Mergers, Risk Management, Banking, Management Consulting, Change Management, Financial Services, Strategic Planning, Strategy, Program Management, Business Transformation, Consulting, Leadership, Vendor Management, Mergers & Acquisitions, Credit, Finance, Executive Management, Business Development, Management, IT Strategy, Project Management, Negotiation, Business Analysis, CRM, Sales, IT Management, Analysis, Business Planning, Business Strategy, Business Process..., Project Portfolio..., Loans, Financial Analysis, Mortgage Lending, Portfolio Management, Integration, Analytics, Commercial Banking, Restructuring, Acquisition Integration, PMO, Commercial Lending, Financial Risk, Credit Analysis

Education
California State University-Dominguez Hills   1977 — 1979
MBA, Finance

Experience
Akili Capital   September 2015 - Present
Windansea Financial Services   January 2014 - August 2015
John M. Wheeler Consulting   August 2013 - December 2013
Regents Bank  September 2012 - August 2013
Paradigm  May 2011 - February 2012
Workplace Revival   May 2010 - March 2011
Convene  October 2003 - December 2010
Luminus Group, Inc   April 2008 - July 2009
CEO Keys   January 2000 - March 2008
Home Savings of America   February 1998 - January 2000

Skills
Financial Services, Portfolio Management, Investment Advisory, Leadership Development, Leadership, Organizational..., Management, Coaching, Management Consulting, Training, Financial Analysis, Strategic Consulting, Strategy, Small Business, Change Management, Consulting, Entrepreneurship, Finance, Public Speaking, Business Planning, Executive Coaching, Banking, Strategic Planning, Mergers & Acquisitions, Business Strategy, Strategic Financial..., Wealth Accumulation..., Alternative Investments, Business Development, Sales, Financial Planning

Education
Taylor University   1979 — 1982
B.S., Business Admin

Alfred University   1978 — 1979
Busniness Management

Experience
Compensation Analytics, LLC.   July 2014 - Present
QBE FIRST  April 2012 - July 2014
Bank of America  January 2011 - May 2012
OpenSymmetry  March 2010 - December 2010
JPMorgan Chase  October 2008 - July 2009
Washington Mutual  1999 - 2008
Home Savings of America   1997 - 1998
TestMasters  1991 - 1992

Skills
Microsoft SQL Server, Informatica, Oracle, Analysis, Unix, PL/SQL, SSIS

Education
California State Polytechnic University-Pomona   1992 — 1997
BS, Finance

Temple city high

Experience
Pacific Union Financial, LLC  March 2015 - Present
SunTrust Mortgage  July 2012 - March 2015
American Mortgage Consultants, Inc.   February 2012 - July 2012
Saxon, a Morgan Stanley Company (Acquired by Ocwen)   August 2010 - February 2012
AMERICAN HOME MORTGAGE SERVICING, INC. (Acquired by Ocwen)   March 2009 - July 2010
Citi Residential Lending, Inc (Acquired Ameriquest Mortgage)   January 2007 - March 2009
Ameriquest Capital Group (Acquired by Citi Residential Lending)   June 1997 - December 2006
SOUTHERN CALIFORNIA SAVINGS & LOAN   January 1990 - June 1997
Home Savings of America   1988 - 1989
Citicorp Savings  1985 - 1988

Skills
Loans, Acquisitions, Account Reconciliation, Cash Flow, Mortgage Servicing, Mortgage Lending, Loan Servicing, Due Diligence, Portfolio Management, Capital Markets, Loss Mitigation, Leadership, Mortgage Banking, Banking, Finance, Executive Management, Real Estate, Accounting, Risk Management, Credit, Analysis, Loan Origination, Investor Reporting

Education
St. Scholasticas College   1972 — 1976
Bachelor of Science, Literature

St. Joseph's Academy   1962 — 1972
High School

Experience
PGi  May 2012 - Present
The Coca-Cola Company  May 2011 - May 2012
The Coca-Cola Company  May 2011 - January 2012
Home Savings of America   April 2008 - May 2010
Saunders Photography   December 2006 - December 2008
Cox Communications  January 2001 - May 2003

Skills
ITIL, SharePoint, SCRUM, Agile, Business Process..., Project Coordination, Documentation, Great People Skills, Leading People, Leading By Example, Team Oriented, Customer Loyalty, Project Management, Change Management, Process Improvement, Agile Methodologies, Software Documentation, Leadership, Scrum, Brand Loyalty, Integration, Telecommunications, Cross-functional Team..., Training, CRM, Team Leadership, IT Service Management, SDLC, Cloud Computing, Vendor Management, SaaS, Strategy, PMP, Marketing, Marketing Strategy, Testing, Enterprise Software, Product Management, IT Management, Six Sigma, Analysis, Service Management, Risk Management, IT Strategy, Business Intelligence, IT Operations, Program Management, Management, Business Process

Education
Art Institute of Atlanta   2006 — 2007
Commercial Photography

Kennesaw State University   1990 — 1992
Bachelor of Business Administration (B.B.A.)

Joseph Wheeler High School   1985 — 1989

Devry Institute
Telecommunications Mgt

Experience
Caliber Home Loans  March 2012 - Present
Home Savings of America   August 2008 - March 2012
Stearns Lending  August 2009 - February 2010
Washington Mutual  2007 - August 2008
Washington Mutual - Long Beach Mortgage   2005 - 2007

Skills
Microsoft Office, Type 80+ WPM, Team Building, Customer Service, Team Leadership, Program Management, Outlook, PowerPoint, Excel, Loan Origination, Banking, Microsoft Excel, Mortgage Banking, Mortgage Lending, CRM, Residential Mortgages

Education
California State University, Fresno   2004 — 2004
Business

Sierra High School - Manteca, CA

Experience
First Capital, A Mortgage Company  June 2015 - Present
Banc Home Loans  January 2015 - June 2015
Guaranteed Rate  September 2013 - June 2014
Wells Fargo Home Mortgage  September 2011 - January 2013
Guild Mortgage Company  March 2010 - August 2011
Countrywide Home Loans / Bank of America  September 2005 - March 2010
Wells Fargo Home Mortgage  2000 - 2005
Home Savings of America   1989 - 1998

Skills
Mortgage Banking, FHA, Loan Origination, Mortgage Lending, Refinance, Loans, Reverse Mortgages, Real Estate Economics, Investments, Credit, VA loans, Real Estate Transactions, Residential Mortgages, USDA, FHA financing, Selling, Real Estate, Certified Mortgage..., Finance, Real Estate Financing, Government Loans, Investment Properties, Mortgage Underwriting, First Time Home Buyers

Education
California State Polytechnic University-Pomona   1985 — 1988
Real Estate and Law

Experience
First Financial Credit Union  2004 - 2009
Bay View Capital Corporation  1999 - 2003
Home Savings of America   1989 - 1999
Union Bank  1981 - 1989

Education
California State University-Los Angeles

Experience
Fairway Independent Mortgage Corporation  April 2015 - Present
Shamrock Financial Corporation  April 2014 - March 2015
Merrimack Mortgage Company, Inc.   October 2012 - June 2014
Alpine Mortgage, LLC  August 2011 - October 2012
Allied Home Mortgage Capital Corporation  April 2011 - August 2011
Home Savings of America   February 2008 - April 2009
Indymac Bank  November 2007 - February 2008
American Brokers Conduit  2005 - 2007
American Mortgage Network  2003 - 2005
north american mortgage  1994 - 2002

Skills
Mortgage Banking, Mortgage Lending, Loans, FHA, Refinance, VA loans, USDA, Residential Mortgages, Sales, Sales Management, Loan Origination, Investment Properties, Credit, Real Estate Transactions, Business Development, Mortgage Underwriting, Residential Homes, Underwriting, Certified Mortgage..., Foreclosures, FHA financing, Recruiting, Sales Operations, Reverse Mortgages, Selling, Finance, Real Estate, First Time Home Buyers, Real Estate Financing, Construction Loans, Government Loans, Commercial Lending, Product Development, FHA Financing, VA Loans

Education
Bryant University   1982 — 1986
BS, Business Administration

La Salle Academy   1978 — 1982

Experience
LERETA, LLC  May 2014 - Present
QBE FIRST  May 2010 - Present
LERETA, LLC  1998 - 2010
Home Savings of America   1991 - 1999

Education
Ashford University   2009 — 2012
Bachelor of Business Administration (BBA), Project Management, Summa cum laude

Experience
Kaiser Permanente IT  July 2010 - Present
Experian Consumer Direct  April 2008 - July 2010
Option One Mortgage Corporation/H&R Block   April 1998 - April 2008
Home Savings of America   February 1989 - April 1998

Skills
Vendor Management, IT Management, User Experience, Project Management, Analytics, Management, Leadership, Content Management, CMS, Web Design, Resource Management, SDLC

Education
University of Phoenix   2003 — 2004
Information Technology

California State Polytechnic University-Pomona   1988 — 1992

Nogales High School   1984 — 1988

Experience
Sun Maintenance, Inc.   June 2006 - February 2012
Washington Mutual, Inc.   May 2002 - May 2006
WM Financial Services  April 2000 - May 2002
Home Savings of America   July 1997 - April 2000

Skills
Customer Service, Data Entry, Outlook

Education
California State University-Fullerton   2004 — 2006
Business Entrepreneurship

Fullerton College   2001 — 2004
Business

Buena Park High School   1993 — 1997

Experience
HomeBridge Financial Services, Inc.   January 2014 - Present
Caliber Home Loans  September 2012 - December 2013
JPMorgan Chase  October 2010 - August 2012
JP Morgan Chase Home Loans   October 2004 - September 2010
Washington Mutual  February 1999 - September 2004
Home Savings of America   July 1996 - February 1999

Skills
Consumer Lending, Mortgage Banking, Loss Mitigation, Loans, Loan Origination, Mortgage Lending, Commercial Banking, Credit, Refinance, USDA, FHA, FHA financing, Banking, Retail Banking, Real Estate Economics, Mortgage Underwriting, Investments, Residential Mortgages, Mortgage Marketing, Financial Services, Finance, Home Equity Loans, Real Estate, VA loans, VA Loans, FHA Financing

Education
The University of Texas at Dallas   1993 — 1995
Master of Business Administration (MBA), Finance, General

Donetsk State University of Economics and Trade   1987 — 1992
BS, Marketing & Sales Management

Experience
Southern California Edison  April 2008 - Present
Pacific Crossing/Southern California Edison   October 2007 - April 2008
Spherion  June 1998 - January 2007
Home Savings of America   August 1989 - March 1998
Security Pacific National Bank  November 1977 - August 1989

Skills
Databases, Vendor Management, Software Documentation, Testing, Business Analysis

Education
University of California, Irvine Extension   2011 — 2013
Project Management Certificate, Project Management, 3.85

California State University-Los Angeles   1976 — 1977
Business Administration

Pasadena City College   1974 — 1976
Business Administration

Experience
120 Venture Construction   May 2013 - May 2015
Chambers Group, Inc.   2010 - 2011
Robert Half Technology  2009 - 2010
Netlist   July 2007 - August 2009
NYK Logistics  2004 - 2007
Earth Tech  November 2001 - November 2003
Homebase  December 1999 - September 2001
Home Savings of America   1987 - 1989

Education
California State University-Fullerton   1976 — 1979

Experience
HomeStreet Bank  September 2013 - Present
JPMorgan Chase  June 2011 - August 2013
Scenic Oaks Funding  April 2011 - June 2011
Home Savings of America   August 2009 - March 2011
Financial Center Credit Union  April 2008 - August 2009
Long Beach Mortgage  2005 - August 2007
Option One Mortgage  2005 - 2006
HRBMC   2000 - 2006
Security Pacific  1995 - 1995

Skills
Loans, Mortgage Lending, Customer Service, Underwriting, FHA, Real Estate, Mortgage Underwriting, Leadership, Sales, Banking, Funding, Management, Mortgage Banking, Training, Credit, New Business Development, Team Leadership, Residential Mortgages, Communication Skills, Strategic Planning, Financial Services, Loan Origination, FHA financing, USDA, VA loans

Education
California State University-Chico   1988 — 1990
Business Administration, Finance

San Joaquin Delta College   1986 — 1988
General

Experience
Fannie Mae  June 2010 - Present
Stonehill Group   May 2009 - June 2010
Wells Fargo Home Mortgage  March 2009 - June 2009
WaMu  1999 - April 2008
Washington Mutual  1998 - 1999
Home Savings of America   1996 - 1998

Skills
Capital Markets, Due Diligence, Loan Servicing, Program Management, Portfolio Management, Asset, Credit Analysis, Time Management, Microsoft Word, Mortgage Banking, Mortgage Lending, Management, Financial Risk, Mortgage Underwriting, Applicant Tracking..., Underwriting, Credit, Loan Origination, Project Management, Loss Mitigation, Mortgage Servicing, Residential Mortgages, Refinance, Training, Consumer Lending, Loans, Onboarding, Default, Visio, Asset Management, Real Estate, Financial Analysis, Sales, Talent Acquisition, FHA, Operations Management, Banking, Financial Services, Financial Modeling, Funding, FHA financing, Credit Risk, Investments, Analysis, Risk Management, Valuation, Recruiting, Foreclosures, Customer Service, Process Improvement

Education
California State University-Long Beach   1969 — 1974

Experience
SunTrust Mortgage  June 2011 - Present
SunTrust Mortgage  July 2008 - Present
Saxon Mortgage/Morgan Stanley  July 2007 - Present
Option One Mortgage  2005 - 2007
Option One Mortgage  November 2002 - August 2005
Aames Home Loan  1999 - 2002
Home Savings of America   1990 - 1999

Skills
Credit Risk, Credit, Mortgage Lending, Loans, Banking, Data Warehousing, Mortgage Banking, Credit Analysis, Business Intelligence, Valuation, Financial Modeling, Financial Risk, Finance, Strategy, Analysis, Leadership, Capital Markets, Residential Mortgages, Loss Mitigation, Loan Origination, Refinance, FHA, Underwriting, Financial Services, Analytics

Education
University of Redlands   2008 — 2009
MBA, Finance, Global Business

California State Polytechnic University-Pomona   1984 — 1988

Experience
Wells Fargo  August 2012 - Present
Home Savings of America   April 2010 - April 2012
Wachovia, A Wells Fargo Company  July 2009 - March 2010
Wachovia Bank  September 2000 - July 2009
Northsouth Foundation   2005 - 2009
World Savings  1998 - 2006
ACE Technologies  August 1998 - September 2000

Skills
jQuery, SharePoint, Biztalk, SQL Server, .NET, Software Development, Databases, Application Development, VB.NET, C#, ASP.NET, Visual Basic, Web Services, IIS, XML, JavaScript, SQL, SDLC, HTML, CSS, Programming, Visio, Documentation, UML, Windows, Requirements Analysis, ETL, Operating Systems, Data Warehousing, Visual Studio, Access, Requirements Gathering, Integration, AJAX, ASP, Java, Analysis, Testing, MS Project, Agile, MySQL, VBScript, Business Intelligence, T-SQL, PHP, Database Design, Crystal Reports, Business Analysis, ASP.NET MVC, Microsoft SQL Server

Education
Acharya Nagarjuna University   1992 — 1994
Masters in Computer Applications, Computer Science

Siddhardha Degree College   1987 — 1989
B,Sc, Physical Sciences

Experience
Stock & Option Solutions  July 2015 - Present
Tetra Tech, Inc.   August 2005 - March 2015
Gemstar-TV Guide  March 2003 - August 2005
Earthlink  August 1999 - July 2002
Home Savings of America   August 1997 - June 1999
Countrywide Home Loans  1991 - 1997

Skills
Microsoft Excel, Deferred Compensation, Management, Process Improvement, Project Management, Strategic Planning

Education
Azusa Pacific University

Experience
Ambac  January 2010 - Present
Arch Bay Capital  October 2008 - January 2010
Option One Mortgage  December 2002 - October 2008
Option One Mortgage  December 2002 - October 2008
Home Savings of America   March 1988 - June 2002

Education
Ateneo de Manila University   1981 — 1985
Bachelors, Psychology

Experience
Kaiser Permanente IT  PC AnalystKaiser Permanente2001 - Present
Home Savings of America   1987 - 1999

Skills
Epic Systems, Healthcare Information..., HIPAA, BMC Remedy, Process Improvement, Lotus Notes, Active Directory, Troubleshooting, Art, ITIL, Disaster Recovery, Software Documentation, Visio, Citrix, Leadership, IT Management

Education
California State Polytechnic University-Pomona   1977 — 1979

Nogales High School   1974 — 1977

Experience
The Walt Disney Family Museum  October 2010 - Present
Washington Mutual  2003 - 2008
Washington Mutual  1998 - 2003
Home Savings of America   1994 - 1998

Skills
Customer Relations, Training & Development, Sales Management, Retail Banking, Mortgage Lending, Project Implementation

Education
University of San Francisco   2009 — 2012
Master of Business Administration (M.B.A.), Executive Leadership

California Polytechnic State University-San Luis Obispo
B.S., Business(Agricultural Finance Mgt)

Professional Certifications

Experience
Bank of America  May 2009 - Present
Home Savings of America   January 2009 - March 2009
WAMU  1983 - 2008

Skills
Mortgage Banking, Mortgage Lending, Banking, Credit, Mortgage Underwriting, Loan Origination, Loans

Education
California State University Stanislaus   1977 — 1979

Experience
City National Bank  May 2015 - Present
City National Bank  December 2009 - Present
Imperial Capital Bank  November 2008 - December 2009
iStar Financial Inc.  July 2007 - May 2008
Fremont Investment & Loan  July 1996 - July 2007
Home Savings of America   October 1992 - July 1996

Skills
Financial Modeling, Loans, Asset Managment, Asset Management, Commercial Lending, Portfolio Management, Risk Management, Commercial Real Estate, Finance, Analysis, Due Diligence, Credit, Real Estate Economics, Mortgage Lending, Credit Analysis, Underwriting, Valuation, Loan Origination, Banking, Investments, Real Estate Financing

Education
California State Polytechnic University-Pomona
Bachelors of Science, Finance, Real Estate and Law - Real Estate emphasis

Experience
Treliant Risk Advisors  January 2012 - Present
Home Savings of America   June 2008 - October 2011
Causey & Company   June 2003 - June 2008
Kaplan Associates, Inc.   January 1991 - June 2003
CS First Boston, Inc. / Kaplan, Smith & Associates, Inc.   December 1987 - January 1991
Kaplan, Smith & Associates, Inc.   September 1983 - December 1987
Capital City Federal Savings and Loan Association   May 1977 - September 1983
Millikin National Bank   September 1975 - January 1977

Skills
Financial Analysis, Writing, Presenter, Banking, Mergers, Budgeting, Business Planning, Negotiation, Strategic Planning, Analysis, IPO, Credit, Mortgage Banking, Problem Solving, Mergers & Acquisitions, Loans, Budgets, Strategy, Corporate Finance, Management, Risk Management, Start-ups, Portfolio Management

Education
George Mason University   1979 — 1982
MA, Economics

American University   1977 — 1977
International Development Semester

Millikin University   1974 — 1977
BA, English/American Studies

Experience
Many Investments/Capitaltree Lending   January 2003 - Present
Icon Residential Capital  2007 - 2008
First National Bank of Arizona  2004 - 2007
SIB Mortgage  2003 - 2004
GreenPoint Mortgage  2001 - 2003
Rand Technology  1999 - 2001
Home Savings of America   1995 - 1998
Headlands Mortgage  1994 - 1994

Skills
FHA, Mortgage Lending, Mortgage Banking, Loans, Credit, Loan Origination, First Time Home Buyers, Residential Mortgages, Refinance, Investment Properties, Real Estate Financing, REO, VA loans, Foreclosures, FHA financing

Education
Alhambra High School   1987 — 1991

California State University-Fullerton

California State University-Northridge
Bachelor's degree, Child Development

Experience
Westside Animals for Adoption   January 2014 - Present
Bay Equity   March 2013 - Present
JPMorgan Chase  March 2012 - March 2013
Bay Equity, LLC  May 2011 - March 2012
Home Savings of America   August 2010 - March 2011
Comcast Cable  April 2009 - August 2010
Jefferson School District  April 2008 - April 2009
Washington Mutual  September 2003 - July 2008

Skills
Mortgage Lending, Mortgage Banking, FHA, Loans, Credit, Banking, Residential Mortgages, Refinance, Loan Origination, Underwriting, Customer Service, Credit Analysis

Education
California State University, Fresno   1996 — 1998
BA, Psychology

Experience
Design to Print  February 1996 - Present
Berkshire Hathaway HomeServices California Properties  2013 - 2014
Home Savings of America   July 1984 - January 1996

Skills
Advertising, Event Management, Event Planning, Management, Marketing, Marketing Communications, Marketing Strategy, Negotiation, Real Estate, Real Estate Transactions, Sales, Social Media, Social Media Marketing, Strategic Planning, Small Business

Education
California State University-Fullerton
Bachelor of Arts (B.A.), Communications with an emphasis in Public Realtions

Experience
Behr Process Corporation  August 2006 - Present
AmerisourceBergen  February 1997 - July 2006
Southern California Gas  July 1996 - February 1997
ITR  July 1994 - July 1996
Safeway (Vons)   November 1990 - July 1994
Los Angeles Times  January 1990 - November 1990
Home Savings of America   May 1989 - January 1990
Carter Hawley Hale Stores  1984 - 1989
DuPont  April 1982 - June 1984

Skills
SDLC, Visio, Enterprise Architecture, Business Intelligence, SOA, PMP, Software Project..., Data Warehousing, SharePoint, XML, Agile Project Management, Agile Methodologies, Oracle, Java, Business Analysis, Scrum, Integration, SQL, Cross-functional Team..., Java Enterprise Edition, Web Services

Education
California State University-Long Beach - College of Business Administration
MBA, Management, Marketing

The University of Kansas
BS, Business Administration

University of Missouri-Kansas City
BS, Computer Science

University of Missouri-Kansas City
BS, Accounting

Experience
Home Savings of America   January 2010 - Present
Bank of America Home Loans  December 2007 - June 2010
National City Mortgage  July 2002 - December 2007
USMCR  May 1997 - May 2005

Education
California State University-Chico   2001 — 2002
Social Science

Santa Rosa Junior College   1997 — 2001
aa/as, General Education

Experience
Law Office of Timothy D. Otte   2009 - Present
Hallstrom, Klein & Ward, LLP   May 2005 - January 2009
Cooksey, Toolen, Gage, Duffy & Woog   2000 - 2005
Poliquin, Goodspeed, Mulder & Skripko   1998 - 2000
Kirtland & Packard   1995 - 1998
The Wilderness House   1993 - 1994
Home Savings of America   1987 - 1991

Skills
Civil Litigation, Small Business Law, Appeals, Legal Research, Corporate Law, Small Business, Commercial Litigation, Legal Writing, Litigation, Business Litigation, Construction Law, Courts

Education
Boston University School of Law   1991 — 1994
Juris Doctor (J.D.), Intellectual Property Law, Litigation, top 25% - Edward F. Hennessey Scholar Award

West Texas A&M University   1982 — 1985
BA, Music Therapy

Experience
Masimo Corporation  April 2009 - Present
Johnson & Johnson Medical, Biosense Webster   December 1999 - April 2009
United States Air Force / Air Intelligence Agency   1993 - 1997
Home Savings of America   1991 - 1993

Skills
Team Leadership, Education, Educational Leadership, Performance Management, Leadership Development, Training, Organizational..., Leadership, Strategic Planning, Medical Devices, Hospitals, Team Building, Process Improvement, CRM, Coaching, Healthcare, Change Management, Management, Product Launch, Employee Training, Research, Talent Acquisition, Sales, Product Development, Cross-functional Team..., Selling, Clinical Research, Capital Equipment, Operations Management, Project Management, Cardiology, Market Development, Analysis, Operating Room, Human Resources, Strategy, Surgeons, Orthopedic, FDA, Clinical Trials

Education
B.U.
PhD, Educational Psychology

California Coast University
Doctor of Business Administration, Business/Education

California Coast University
Master of Business Administration (MBA), Business/Education

California State Polytechnic University-Pomona
Bachelor of Arts (B.A.), Behavioral Science

Citrus College
Associate of Arts (AA), Liberal Arts

Glendora High School

Experience
WesCorp  May 2009 - July 2012
WesCorp  February 2007 - May 2009
WesCorp  August 2001 - February 2007
Edison International  December 1999 - August 2001
The Wiz, Inc. - New Jersey   December 1996 - January 1999
Home Savings of America   August 1989 - October 1996

Skills
Microsoft Excel, Budgets, Financial Analysis, Process Improvement, Strategic Planning, Accounting, Microsoft Office, Microsoft Word, Banking, PowerPoint, Project Management, Team Building, Customer Service, Analysis, Forecasting, Business Analysis, Access, Mergers, Financial Modeling, Coaching, Financial Reporting, Regulatory Reporting, Team Leadership, Multi Tasking, Profit Analysis, Trend Analysis, General Ledger, Cash Management, Internal Controls, Treasury Management, Accounts Receivable, Financial Accounting, Credit Unions, Strategic Financial..., Accounts Payable, Finance, Financial Institutions, Managerial Finance, Leadership, Mergers & Acquisitions, Executive Management, Management, Cash Flow, Sarbanes-Oxley Act, Project Planning, Financial Risk, Credit, Financial Planning

Education
California State University-Fullerton   2006 — 2006
Certificate in Microsoft Access

California State University-Los Angeles
BS, Business Administration-Accounting

Experience
Corinthian Colleges, Inc.   April 2011 - Present
Corinthian Colleges, Inc.   September 2009 - March 2011
Experian Information Solutions  June 2007 - October 2009
Experian Information Solutions  November 2000 - June 2007
Arthur Anderson  March 2000 - November 2000
Landsafe Title  June 1999 - March 2000
Home Savings of America   December 1997 - June 1999
Home Savings of America   September 1993 - December 1997

Skills
Active Directory, Siebel, Windows, TSO, MVS, Microsoft Office, SAS, Cisco, Technical Support, ITIL, Troubleshooting, Cisco Technologies, VPN, SharePoint, Software Installation, Software Documentation, Unix, Lotus Notes, System Administration, Testing, Help Desk Support, Visio, Data Center, Access, Networking, Quality Assurance, Management, XP, Hardware, Microsoft SQL Server, Microsoft Exchange, Requirements Analysis, Vendor Management, Incident Management, TCP/IP, Databases, Disaster Recovery, IIS, Integration, Virtualization, Citrix, Blackberry Enterprise..., Security, Operating Systems, Windows Server, IT Operations, Business Intelligence, SDLC, IT Management, IT Service Management

Education
California State University, Fresno
BS, Business Administration

El Camino Community College
Microcomputer Operations

Experience
Barrett Financial Group   June 2011 - Present
Home Savings of America   May 2010 - May 2011
Next Level Physical Therapy   May 2008 - December 2009
Geneva Financial Systems   2008 - 2009

Skills
Marketing, Mortgage Lending, Sellers, Loans, Finance, Residential Mortgages, Loan Origination, Commercial Lending, FHA, Refinance, Credit Analysis, Loss Mitigation, Accounting, Mortgage Banking, Credit, Underwriting, Software Documentation, Spanish

Education
Arizona State University - W. P. Carey School of Business   2003 — 2007
BS, Accountancy

Experience
Appraisal Institute  November 2014 - Present
Carl A. Votolato, MAI   1982 - November 2014
Greenpoint Mortgage / Capital One   2005 - 2008
Coldwell Banker Appraisal Services   January 1981 - January 1982
Security Pacific Bank  1979 - 1981
Home Savings of America   1976 - 1979
Stewart Title  January 1975 - January 1976

Skills
Investment Properties, Commercial Real Estate, Residential Homes, Real Property, Real Estate Economics, Valuation, Short Sales, Appraisals, Real Estate, Brokerage, Property, Real Estate Development, Location Intelligence

Education
San Francisco State University, College of Business   1978 — 1978
Graduate studies in Business

City College of San Francisco   1976 — 1978
CA. Broker License, Real Estate

Boston College   1969 — 1973
B.S, Business Management

CHSE

Experience
AmeriFirst Financial, Inc.   June 2012 - Present
Home Savings of America   September 2011 - February 2012
MortgageTree Financial   November 2010 - October 2011
The Mortgage Guild  September 2000 - January 2011

Skills
Mortgage Banking, First Time Home Buyers, Refinance, Residential Mortgages, Real Estate, USDA, VA loans, Loans, Reverse Mortgages, Real Estate Economics, Investment Properties, Loan Origination, REO, Investors, Condos, Commercial Mortgages, Referrals, Government Loans, Residential Homes, Certified Mortgage..., Credit Analysis, Credit, Foreclosures, Real Estate Transactions, Real Estate Financing, Short Sales, Leadership, FHA financing, Home Equity Loans, HUD, Loss Mitigation, Home Equity Lines of..., Construction Loans, Mortgage Underwriting, Mortgage Marketing, Sellers, VA Loans, FHA Financing

Education
California State University-Fullerton   1983 — 1987
BA, Religious Studies

Experience
Nations Direct Mortgage  November 2013 - Present
Weslend Financial  February 2012 - October 2013
Home Savings of America   February 2008 - February 2012
HOME SAVINGS OF AMERICA   2008 - February 2012
Weslend Financial  2012 - 2012

Skills
Refinance, Mortgage Lending, Residential Mortgages, FHA, Loan Origination, Credit, Mortgage Banking, Real Estate, Mortgage Underwriting, USDA, FHA financing, Underwriting, Loans, VA loans, Credit Analysis, Microsoft Office, Microsoft Excel

Education
California Lutheran University
Marketing MA, Business, Management, Marketing, and Related Support Services

chaminade
High School

Experience
Enchantment Resort & Mii amo Spa   November 2010 - Present
Los Abrigados Resort & Spa   1998 - 2010
Federal Reserve Bank of Philadelphia  March 1989 - September 1996
Home Savings of America   1983 - 1988

Skills
Hotels, Hospitality Management, Hospitality, Meeting Planning, Resorts, Business Travel, Front Office, Team Building, Hospitality Industry, Food & Beverage, Tourism, Event Management, Pre-opening, Rooms Division, Hotel Management, Trade Shows, Yield Management, Travel Management, Management, Budgets, Revenue Analysis, Event Planning, Human Resources, Catering, Customer Service, Process Scheduler, Menu Development, Social Networking, Hiring, Corporate Events, Restaurant Management, Banquets, Restaurants, Public Relations, Leisure, Marketing, Social Media Marketing, Payroll

Education
Arizona State University   1979 — 1982

Experience
Home Point Financial  April 2015 - Present
Great Plains National Bank  September 2013 - April 2015
Vantage Point Bank and Financial Services  August 2011 - September 2013
Home Savings of America   June 2009 - June 2011

Education
Bryant University   1987 — 1990
B.S. B.A., Finance

Experience
Home Savings of America   1988 - 1999

Skills
Microsoft Office, Public Speaking, Teaching

Education
California State University San Marcos   2004 — 2006
BA, Education, Sociology

Experience
International Society & Association Management, INC - NDTA   June 2013 - Present
Bank of America  March 2013 - June 2013
Bank of America  June 2009 - March 2013
Home Savings of America   February 2008 - June 2009

Skills
Customer Service, Banking, Microsoft Excel, Microsoft Word, Microsoft Office, PowerPoint, Sales, Teamwork, Outlook, Social Networking, Marketing, Time Management, Advertising, Social Media, Leadership

Education
California State University-Fullerton - College of Business and Economics   2008 — 2012
Bachelor of Business Administration (B.B.A.), Entertainment & Tourism Management

Aliso Niguel High School   2004 — 2008
High School Diploma

Experience
J.F. Shea Co., Inc.   May 2001 - Present
Apollo  July 1999 - March 2001
Home Savings of America   June 1987 - June 1999

Education
California State University-Fullerton   1984 — 1986
Bachelor of Business Administration (B.B.A.), Accounting and Finance

San Jose State University   1980 — 1983
Associate of Science (A.S.), Meteorology

Experience
Franchise Tax Board  March 2011 - Present
Franchise Tax Board  January 2005 - March 2011
Franchise Tax Board  January 2001 - January 2005
Advandanced Bioscience Resources, Inc.   September 1999 - January 2001
RCL  November 1997 - September 1999
1st United Services Credit Union  October 1993 - October 1997
Home Savings of America   June 1988 - October 1993

Education
California State University-Hayward
Bachelor, Accounting / Business Management

Experience
SOA Software  January 1999 - Present
Home Savings of America   1974 - 1999

Skills
SOA, ESB, Enterprise Architecture, Middleware, EAI, Web Services, SOAP, Solution Architecture, Application Architecture, WSDL, JMS, Weblogic, REST, Spring, Java Enterprise Edition, Websphere

Education
Cal Poly San Luis Obispo   1968 — 1972
Applied Mathematics (Computer Science emphasis)

Experience
PMH Financial  September 2008 - Present
Home Savings of America   February 2008 - August 2008
National City Mortgage  August 2007 - February 2008

Skills
Management, Organization, Goal Oriented, Customer Service, Negotiation, Problem Solving, Highly detail oriented, Time Management, Mortgage Underwriting, Asset Managment, Process Improvement, Team-oriented, Positive Energy, Project Management, Creative Solutions, Strongly self-motivated, Communication Skills, Builds Relationships, Hands-on Training

Education
Arapahoe Community College   1994 — 1997
Bachelor of Applied Science (B.A.Sc.), Interior Design

Experience
First Citizens Bank  November 2006 - January 2013
Nationwide Insurance  November 1996 - March 2001
CENTRAL CAROLINA BANK AND TRUST COMPANY   March 1994 - November 1996
ENTERPRISE NATIONAL BANK  January 1992 - March 1994
Home Savings of America   September 1988 - July 1991

Skills
Cash Management, Management, Internal Controls, Branch Banking

Education
Biola University   1985 — 1988
Bachelor's degree, Psychology

Northwestern Michigan College   1980 — 1983
Associate of Arts (AA), Psychology

Experience
American Express  June 2008 - Present
Edward Jones  May 2001 - June 2008
Global Payments  May 2000 - May 2001
Charter Communications  April 1999 - May 2000
Home Savings of America   February 1996 - December 1998
American Express  September 1988 - January 1996
MeraBank  December 1980 - September 1988

Skills
Instructional Design, Leadership Development, Performance Management, Communication, Training Delivery, Technical Training, Training Needs Analysis, Creative Writing, Workshop Facilitation, Written & Oral..., Process Improvement, Strategy, Project Management, Employee Training, Finance, Change Management, Leadership, Analytics

Education
Central Arizona College   1978 — 1980
Associate of Arts (A.A.), Theatre/Theater

Arizona State University