Pacific Thrift and Loan
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Pacific Thrift and Loan Employees
New Penn Financial, LLC September 2011 - Present
Franklin American Mortgage Company 2008 - 2011
Lehman Bro. BNC 2006 - 2007
Fremont Investment 1998 - 2007
Pacific Thrift and Loan 1996 - 1998
Skills
Loans, Mortgage Lending, Credit, Banking, Mortgage Banking, Refinance, Loan Origination, FHA, Residential Mortgages, Credit Analysis, Funding
Education
College Park, Pleasant Hill California
College of Marin
Child Development
Milstead Event Management Services 2011 - Present
San Ramon Valley/Mt. Diablo Unified School District 2 2006 - 2011
Mt. Diablo Unified School District/Milstead Household Management 1997 - 2006
Pacific Thrift and Loan 1996 - 1997
Golden State Mortgage 1993 - 1996
Skills
Leadership, Cross Functional..., Managing Project Budgets, Event Planning, Event Management, Teaching, Coaching, Contract Negotiation, Supplier Negotiation, Manage Client..., motivating, Fundraising, Program Management, Management, Strategy, Analysis, Sales
Education
California State University-East Bay
Teaching Credential/Multiple Subject EL Authorization
California State University-East Bay
Bachelor's degree, Liberal Arts and Sciences/Liberal Studies
Mason-McDuffie Mortgage June 2009 - Present
Metro 1 Credit Union February 2008 - June 2009
Fremont Investment and Loan October 1998 - March 2007
Pacific Thrift and Loan 1996 - 1998
Skills
Training, Team Management, Employee Training, Organizational..., Operations Management, Mortgage Lending, Project Management, Sales Management, Team Building, Loans, Leadership, Process Improvement, Sales, Coaching, Marketing, Mortgage Banking, Loan Origination
Education
Saint Mary's College of California 2015 — 2017
Bachelor of Arts (BA), Organizational Leadership
Diablo Valley College 2001 — 2015
Real Estate, Transfer to St. Mary's Sept 2015
Tri-Emerald Financial Group November 2014 - Present
Pacific Mercantile Bank Head of Mortgage Banking 2012 - March 2014
California Housing Finance Agency (CalHFA) Head of Mortgage April 2008 - March 2012
Accredited Home Lenders Director 2004 - 2007
Morgan Stanley Credit Corporation Director Mortgage Banking 2000 - 2003
Capital Alliance 1999 - 2000
Pacific Thrift and Loan 1997 - 1998
Quality Mortgage Amresco 1996 - 1997
Bank of America (BankAmerica Housing Services) June 1995 - June 1996
Mortgage Plus, Inc 1988 - 1994
Skills
Fannie Mae, Freddie Mac, Secondary and Capital..., Portfolio Lending, Credit Policy, Operations Management, Sales Operations, Loan Origination, Sales Management, Product Marketing, Real Estate Finance, Mortgage Lending, FHA financing, VA financing, Product Development, Product Management, Production Management, Program Development, Budget Management, Forecasting, Operational Strategy, Organizational..., Matrix Management, Customer Relations, Customer Service, Staff Management, Staff Development, Business Strategy, Employee Engagement, Strategic Planning, Change Management, Development Of Policies, Procedure Development, Mortgage Banking, Credit, Executive Management, Budgets, Policy, Vendor Management, Portfolio Management, Real Estate Economics, Banking, VA loans, FHA, Leadership, Strategy, Finance, Loans, Underwriting, Management
Education
National University MBA 1982 — 1984
MBA, Business Administration
State University of New York College at Plattsburgh 1972 — 1976
BS, Teaching, Business
Capgemini January 2010 - Present
Legg Mason January 2008 - December 2009
Grant Thornton April 2007 - January 2008
QIAGEN March 2000 - June 2006
Pacific Thrift and Loan June 1998 - March 2000
State Bar of California April 1997 - May 1998
Citadel America Group May 1996 - April 1997
Skills
ITIL, IT Service Management, Service Delivery, Outsourcing, Service Management, Integration, Incident Management, Business Process..., Change Management, Disaster Recovery, Major Incident..., Data Center, Project Management, Enterprise Architecture, Infrastructure, Problem Management, Solution Architecture, Business Process, IT Strategy, PMO, Information Technology, Governance, Team Leadership, IT Management, SDLC, Sla, IT Outsourcing, Program Management, Servers, Leadership, Technical Support, PMP, Project Portfolio..., Vendor Management, Service Desk, IT Asset Management, IT Operations, SLA
Education
California State University-Northridge 1987 — 1992
B.S., Engineering
Pink ITIL OSA Training Class 2014
Kan Investments Inc., May 2011 - Present
Accenture October 2013 - November 2014
Lockheed Federal Credit Union May 2010 - May 2011
Lockheed Federal Credit Union May 2002 - May 2010
Washington Mutual Home Loans and Insurance Services January 1998 - January 2002
Pacific Thrift and Loan January 1997 - January 1998
Lockheed Federal Credit Union January 1987 - January 1997
Skills
Training, Risk Management, Organizational..., Leadership, Process Improvement, Banking, Team Building, Analysis, Project Management, Program Management, Financial Services, Strategic Planning, Budgets, Succession Planning, Coaching, Leadership Development, Recruiting, Business Strategy, Financial Analysis, Change Management, Loans, Talent Acquisition, Employee Training, Management Consulting, Credit, Portfolio Management, Performance Management, Certified Totara LMS...
Education
University of La Verne 1988 — 1992
BS, Business Administration
Asset Protect One, Inc June 2009 - Present
CoWest Insurance group March 2009 - September 2012
Disaboom Inc May 2008 - December 2008
Silver Hill Financial,LLC 2007 - April 2008
Equifirst August 2006 - June 2007
peoples choice 2005 - 2006
Finance America July 2000 - December 2005
Pacific Thrift and Loan 1996 - 1998
Skills
Retirement Planning, Retirement Income..., Retirement Plan..., Succession Planning, Estate Planning, Asset Protection, Annuities, Tax Reduction Strategies, Long Term Care, Investments, Financial Planning, Tax Free Retirement..., Captives, Wealth Management, Wealth Management..., Wealth Preservation..., Multi-generational..., Long-term Care, Financial Planners, Strategic Financial..., Insurance, Portfolio Management, Fixed Annuities, Tax, Retirement, 401k, Disability Insurance, Life Insurance
Education
California State University-Fullerton - College of Business and Economics 1984 — 1995
Finance
Delta Lending Group October 2014 - Present
Land Home Financial Services August 2012 - October 2014
U.S. Bank September 2008 - January 2011
Brentwood Mortgage Specialist 2004 - 2008
E-LOAN February 2001 - June 2006
BNC Mortgage 1999 - February 2001
Pacific Thrift and Loan 1995 - 1998
Skills
FHA, Mortgage Lending, Mortgage Banking, Loan Origination, Refinance, Loans, First Time Home Buyers, Real Estate, Investment Properties, Credit, Residential Mortgages, Short Sales, REO, Foreclosures, VA loans, Real Estate Financing, Reverse Mortgages, Mortgage Underwriting, FHA financing, Investments, Mortgage Marketing, Real Estate Economics, Underwriting, Investors, USDA, Credit Analysis, Government Loans, HUD, Referrals, FHA Financing, VA Loans
Education
College of San Mateo 1990 — 1992
Self-employed December 2007 - Present
Fremont Investment and Loan 1998 - 2007
Pacific Thrift and Loan 1997 - 1998
Smith Denton Associates 1989 - October 1997
Skills
Microsoft Office, Process Improvement, FHA, Management, Appraisals, Loans, Mortgage Lending, Customer Service, Sales, Outlook, Loan Origination, Due Diligence, Real Estate, Real Estate Economics, Mortgage Banking
Education
Diablo Valley College 1984 — 1985
Sea Breeze Properties,LLC April 2015 - Present
20 L.I.N.E Ventures March 2003 - Present
Clear Creek Tahoe February 2006 - March 2015
Syncon Homes March 2003 - May 2006
Pacific Thrift and Loan 1990 - 1992
Skills
Licensed Real Estate..., Fitness, Marketing, Social Networking, New Business Development, Sports, Sales Management, Marketing Strategy, Entitlements, Property, Land Acquisition, Sales, Real Estate, Land Development, Residential Homes, Due Diligence, Subdivisions, Construction, Contract Negotiation, Property Management, Investment Properties, Real Estate Development, Management
Education
University of California, San Diego 1987 — 1991
Bachelor of Arts (BA), Communications/Economics
California State University-Chico 1985 — 1987
Business/Corporate Communications
Douglas High School
Valligent 2002 - Present
Primis, Inc. 1999 - 2001
Hacienda Property Valuation 1998 - 1999
Pacific Thrift and Loan 1996 - 1998
Integrated Capital Group 1992 - 1996
Vogel Appraisal Corporation 1989 - 1992
Homestead Savings 1987 - 1989
Skills
Real Estate, Operations Management, Sales, Appraisals, Mortgage Lending, Mortgage Banking, Executive Management, Valuation, Cultural Transformation, Due Diligence, Risk Management, Operational Turnaround, P&L Ownership, Strategic Human..., Change Management
Education
Saint Mary's College of California 1997 — 1999
MBA, Business Administration
University of Nebraska-Lincoln 1982 — 1985
Bachelor of Science, Business Administration - Finance
Union College (NE) 1981 — 1982
Business Administration
DataCore Software September 2013 - Present
PEER 1 Hosting December 2011 - March 2013
PEER1 May 2011 - December 2011
PEER 1 Hosting November 2010 - May 2011
Synergy Ad Solutions January 2010 - November 2010
Senderra Funding June 2007 - August 2008
New Century Mortgage July 2000 - May 2007
Fremont Investment and Loan October 1998 - July 2000
Pacific Thrift and Loan July 1997 - October 1998
J.P. Mortgage July 1995 - July 1997
Skills
Salesforce.com, Business Development, Cloud Computing, Sales, Management, Sales Management, Account Management, Sales Process, Data Center, SaaS, Competitive Analysis, Information Technology, Managed Hosting, Marketing, Security, Channel Partners, Enterprise Software, Storage
Education
Florida International University - College of Business 2008 — 2010
Bachelors of Business Administration, Management and International Business
Florida International University - College of Business Administration
Bachelors, Management, International Business
Intratek December 2007 - January 2008
Fremont Investment & Loan 1998 - 2007
Pacific Thrift and Loan 1996 - 1998
Skills
Mortgage Lending, Banking, Risk Management, Process Improvement
Education
University of California, Los Angeles 1981 — 1988
Masters Degree, Plasma Physics
Paramount Farms October 2009 - Present
American Cement, Inc January 2008 - January 2010
GE Money/WMC Mortgage March 2002 - December 2007
Pacific Thrift and Loan January 1994 - November 1999
Topa Thrift and Loan 1985 - 1994
Skills
Access, Accounts Receivable, Continuous Improvement, Process Improvement, Banking, Six Sigma, Management, Manufacturing, Databases, Financial Risk, Accounting, Finance, Credit, Microsoft Excel, Process Engineering, Risk Management, Leadership, Financial Analysis, Analysis
Education
Loyola Marymount University, College of Business Administration 1973 — 1977
Provident Savings Bank February 2009 - Present
The Pampered Chef May 2008 - December 2012
Indymac Bank 2008 - 2008
Fieldstone Mortgage Company 2002 - 2007
Evergreen Moneysource December 1999 - December 2000
Western Financial Bank August 1997 - November 1999
Pacific Thrift and Loan August 1996 - February 1997
BrooksAmerica Mortgage April 1993 - March 1995
Education
San Diego State University-California State University 1976 — 1981
Liberal Studies
Resource Action Programs 2015 - Present
Resource Action Programs 2014 - 2015
Resource Action Programs 2011 - 2014
Better Homes and Gardens Real Estate Mason McDuffie 2009 - 2011
Job Connections 2009 - 2010
Land Home Financial Services 2008 - 2009
Fremont Investment and Loan 2004 - 2007
Fremont Investment and Loan 2002 - 2004
Fremont Investment and Loan 1998 - 2002
Pacific Thrift and Loan April 1996 - October 1998
Skills
Sales Management, Mortgage Lending, Recruiting, Strategic Planning, Mortgage Banking
Education
California State University-Sacramento 1981 — 1985
Business Administration, Concentration in Finance
The William Fall Group / Valuation Partners August 2007 - Present
ACC Capital Holdings / Ameriquest August 2004 - February 2007
Fremont Investment and Loan December 1999 - August 2004
Pacific Thrift and Loan June 1997 - November 1999
Aames Financial Services April 1996 - June 1997
First Interstate Bank February 1993 - April 1996
Security Pacific National Bank April 1986 - February 1993
Skills
Investment Properties, Foreclosures, Real Estate, Appraisals, REO, Short Sales, Residential Homes, Single Family Homes, First Time Home Buyers, Commercial Real Estate, Real Estate Development, Sellers, Mortgage Lending, Valuation, FHA, Investors
Education
California State University-Fullerton - College of Business and Economics 1979 — 1984
Real Estate Finance
db home lending 2000 - 2007
Chapel Funding Corporation 2000 - 2007
pacific thrift and loan 1997 - 2000
erisa 1994 - 1997
Education
Saddleback College
Newcal Industries November 2007 - Present
DDG CLOTHING 2007 - Present
Fremont Investment and Loan October 1998 - 2007
BNC 2005 - 2006
Pacific Thrift and Loan April 1996 - October 1998
Education
College of Marin 1995 — 1996
Child Development
US Bank December 2011 - Present
Bank of America October 2007 - December 2011
Washington Mutual Home Loans March 1999 - October 2007
Pacific Thrift and Loan January 1996 - December 1998
Skills
VA loans, FHA, First Time Home Buyers, Mortgage Lending, Second Homes, Loans
Education
Evergreen Valley College
AA Degree, General and Real Estate
Rushmore Loan Management Services LLC April 2014 - January 2015
Promontory Financial Group, LLC September 2013 - February 2014
NewOak February 2013 - September 2013
PROMONTORY FINANCIAL GROUP October 2011 - January 2013
EdgeMAC November 2009 - October 2011
MORTGAGE BANK OF CALIFORNIA January 2007 - January 2009
PEOPLE’S CHOICE HOME LOAN, INC July 2005 - March 2007
RBS Securities, Inc May 2003 - July 2005
Saxon Mortgage April 1999 - April 2003
Pacific Thrift and Loan March 1993 - March 1997
Skills
Credit, Loans, Loan Origination, Finance, Mortgage Banking, Due Diligence, Loan Servicing, Loss Mitigation, Banking, Credit Analysis, Microsoft Excel, Management Consulting, Problem Solving, Organization Skills, Mortgage Lending, Underwriting, Portfolio Management, Program Management, Risk Management, Asset Managment, Process Improvement, Investment Properties, Mergers & Acquisitions, Training, Quality Assurance, Strategy, Management, Financial Services, Credit Risk, Analysis, Residential Mortgages, Financial Analysis
Education
Pepperdine University, The George L. Graziadio School of Business and Management 1999 — 2002
BS, Management
JPMorgan Chase September 2012 - November 2013
Bank of America October 2009 - September 2012
Chatsworth Neighborhood Council 2007 - April 2010
OneUnited Bank March 2009 - June 2009
Imperial Capital Bank August 2007 - August 2008
Washington Mutual Bank August 2003 - May 2007
Millennium Mortgage Corporation June 2002 - July 2003
PMI Mortgage Insurance Company & Radian Guarantee January 2000 - May 2002
Market Street Mortgage July 1997 - August 1999
Pacific Thrift and Loan May 1995 - June 1997
Skills
Credit, Underwriting, Real Estate, Supervisory Skills, Outlook, Excel, Word, Policy Analysis, Retail, Structured, Police, Residential, Banking, Financial Analysis, Risk Management, Loans, Mortgage, Risk, Credit Analysis, Due Diligence, Credit Risk, Commercial Lending, Mortgage Banking, Commercial Banking, Auditing, Mortgage Lending, mortgage claims, Construction Loans, Emergency Medical
Education
Sonoma State University
BA, Business Management
KeyBank April 2012 - Present
Kjeld-Makenzi, LLC April 2004 - Present
TriNet October 2011 - April 2012
United Western Bank February 2008 - June 2010
Compass Bank March 2006 - February 2008
Pacific Thrift and Loan February 1994 - July 1998
Skills
Real Estate, Loans, Lines Of Credit, First Time Home Buyers, Credit Analysis, Salesforce.com, B2B Sales, Banking, Inside Sales
Education
Colorado State University 1990 — 1993
Bachelor of Arts (B.A.), Business and Personal/Financial Services Marketing Operations