Experience
Westcoe Realtors   September 2014 - Present
Caliber Home Loans  December 2013 - September 2014
imortgage  May 2013 - December 2013
Caliber Funding  January 2012 - April 2013
MetLife Home Loans  2011 - 2012
Provident Bank Mortgage  June 2010 - July 2011
PRMG, Inc.   2009 - 2010
Academy Mortgage Corporation  2009 - 2009
Wells Fargo Home Mortgage  2009 - 2009
Indymac Bank/American Home Mortgage   May 2008 - August 2008

Skills
Customer Service, Income Statement, Mortgage Banking, Mortgage Lending, FHA, Loans, Loan Origination, USDA, Refinance, Residential Mortgages, VA loans, Reverse Mortgages, Certified Mortgage..., Government Loans, FHA financing, Investors, Credit, Construction Loans, Sales, Short Sales, Real Estate Economics, Real Estate, Sellers, Mortgage Underwriting, Home Equity Loans, Loss Mitigation, Real Estate Financing, Home Equity Lines of..., Commercial Mortgages, First Time Home Buyers, Credit Analysis, Mortgage Marketing, Investment Properties, Branch Management, REO, Commercial Lending, Consumer Lending, HUD, Mortgage Servicing, Foreclosures, Underwriting, VA Loans

Education
Riverside Community College   1972 — 1974
R.E.Broker, Business / Real Estate

Experience
PRMG, Inc.   April 2014 - Present
FEMBI First Equity Mortgage Bankers, Inc.   July 2013 - April 2014
FEMBI First Equity Mortgage Bankers, Inc.   February 2006 - April 2014

Skills
Mortgage Lending, First Time Home Buyers, Government Loans, Real Estate Financing, Residential Homes, FHA financing, Loan Origination, Residential Mortgages, Mortgage Banking, Referrals, Mortgage Marketing, Investment Properties, Condos, Refinance, FHA, VA loans, FHA Financing, Loans, USDA, Reverse Mortgages, Finance, Sellers, Debt Consolidation, Down Payment Assistance, REO, Investors, Foreclosures, Short Sales, VA Loans

Education
Florida International University

Experience
Bank of England  May 2013 - Present
PRMG, Inc.   May 2011 - Present
Denver Wine   2012 - 2013
Bank of America  October 2010 - May 2011
Plaza Home Mortgage, Inc.   October 2009 - October 2010
Wells Fargo  January 2008 - October 2009
Franklin American Mortgage Company  January 2003 - January 2009
Equity One  January 1999 - January 2003

Skills
Loans, FHA, Mortgage Lending, FHA financing, Short Sales, Residential Homes, Real Estate Transactions, Loan Origination, Mortgage Banking, Residential Mortgages, Real Estate, Investment Properties, Strategic Planning, Refinance, VA loans, USDA, First Time Home Buyers, Foreclosures, Investors, Sellers, Underwriting, Finance, Real Estate Economics, REO, Credit, Certified Mortgage..., Government Loans, Home Equity Loans, Mortgage Marketing, Real Estate Financing, Reverse Mortgages

Education
Metropolitan State College of Denver   2001 — 2004
Business Managment

Metropolitan State University of Denver

Experience
Corvisa, LLC  November 2011 - Present
PRMG, Inc.   August 2012 - September 2013
Arugus Technical Services   2005 - 2006

Skills
Investment Properties, Real Estate, Customer Service, Sales Management, Management, Training, First Time Home Buyers

Education
Lakeland College

Experience
Data One Merchant Services LLC   September 2014 - Present
PRMG, Inc.   April 2012 - Present
Data One Merchant Services LLC   November 2010 - September 2014
Joseph Gunnar & Co, LLC   July 2009 - September 2010
First Magnus Financial  December 2005 - August 2007

Skills
Investments, Mortgage Lending, Credit, Banking, Loans, Portfolio Management, Financial Analysis, Strategic Financial..., Sales Management, Due Diligence, Wealth Management, Financial Modeling, New Business Development, Mortgage Banking, Refinance, FHA, Sales, Finance, Business Development, Residential Mortgages, Merchant Services

Education
Florida Atlantic University   2003 — 2005
Finance

Richard Stockton College of New Jersey   2000 — 2003
Finance, General

Experience
PRMG, Inc.   October 2013 - Present
Equity Mortgage Bankers  November 2010 - October 2013
The Brallon Group   June 2009 - November 2010
CW Mortgage Loans, LLC   August 2007 - June 2009
Accredited Home Lenders/Aames Home Loan   January 2005 - August 2007

Skills
Mortgage Lending, Credit, Loans, Underwriting, Real Estate, Sales, Marketing, Management, Referrals, Cold Calling, Customer Service, New Business Development, Business Planning, Sellers, Banking, FHA, First Time Home Buyers, Foreclosures, Loan Origination, Mortgage Banking, Mortgage Underwriting, Residential Mortgages, Reverse Mortgages, VA loans

Education
Miami Dade College   2002 — 2006
BS, Business Administration

Southwest Miami Sr High Miami High School   1997 — 2001

Experience
Mega Capital Funding Inc  September 2015 - Present
Land Home Financial Services Wholesale Division (formally AMX)   March 2014 - August 2015
Fremont Bank  June 2012 - January 2014
PRMG, Inc.   January 2010 - June 2012
MetLife Home Loans  January 2008 - December 2009
Bank of America Home Loans  March 2000 - December 2007
The Ventura Group Real Estate Financing Network   November 1987 - February 2000
GN Mortgage  September 1985 - October 1987

Skills
Mortgage Lending, Loan Origination, Mortgage Banking, Loans, Real Estate Financing, Real Estate, Refinance, Product Marketing, Mortgage Industry, Training & Development, Compliance, FHA financing, FHA, Employee Training, Underwriting, Residential Mortgages, First Time Home Buyers, FHA Financing, Customer Satisfaction, Investment Properties, Reverse Mortgages, Sales, Mortgage Underwriting

Education
California State University-Northridge   1982 — 1985
Bachelor of Applied Science (BASc), Business Administration/Finance/RE

Glendale Community College, Glendale, CA   1980 — 1981
AA, Liberal Arts

Experience
Metropolitan Home Mortgage  January 2013 - Present
SunTrust Mortgage  November 2011 - April 2012
PRMG, Inc.   November 2008 - September 2011
BNC Mortgage  May 2002 - October 2007
Lehman Brothers  2002 - 2007

Skills
Loan Origination, Mortgage Lending, Loans, Funding, Management, Investment Properties

Education
Polytechnic University of the Philippines   1970 — 1975

Experience
PRMG, Inc.   April 2014 - Present
All in One Mortgage Lenders   May 2010 - April 2014
Q Lending   January 2008 - May 2010
Equity Financial Group  December 2004 - January 2008

Skills
Loans, Investors, Finance, FHA, Investment Properties, Mortgage Banking, First Time Home Buyers, Real Estate Economics, Short Sales, Reverse Mortgages, FHA financing, REO, Loan Origination, VA loans, Residential Mortgages, Refinance, New Home Construction, Super Jumbo, Foreign National Loans, Condo Conversion, USDA, Private Equity, Conventional Financing, Jumbo Mortgage, Private Money, Fannie Mae, Closings

Education
Florida International University   2006 — 2009

Christopher Columbus

Experience
PRMG, Inc.   June 2014 - Present
The Hoffman Law Group   November 2013 - April 2014
Law Firms  November 2009 - November 2013
Home Mortgage Experts   June 2000 - January 2007

Skills
Sales Operations, New Business Development, Customer Service, Sales, Retail, Account Management, Direct Sales, Sales Management, Mortgage Lending, Selling, Marketing, Finance, Negotiation, Short Sales, Residential Homes

Education
Roosevelt University   1982 — 1986
Masters, Education

Experience
PRMG, Inc.   May 2012 - Present
Caliber Funding  July 2011 - May 2012
Aegis Wholesale  March 2001 - June 2007

Skills
Mortgage Banking, Loan Origination, FHA, Loans, Refinance, Mortgage Lending, VA loans, Residential Mortgages, FHA financing, Mortgage Underwriting, Reverse Mortgages, USDA, Underwriting, VA Loans

Education
Crafton Hills College   1982 — 1983
Business Administration and Management, General

Pacific High School   1979 — 1982

Experience
PRMG, Inc.   September 2013 - Present
Primary Residential Mortgage  September 2012 - September 2013
American Home Lenders Inc.   April 2012 - September 2012
RBC Royal Bank  January 2000 - March 2007

Skills
Mortgage Lending, Loans, Mortgage Banking, Credit, Residential Mortgages, Finance, Underwriting, Refinance, FHA, Credit Analysis, Loan Origination, Banking, Real Estate, Commercial Lending, USDA, VA loans, Funding, Management, Mortgage Underwriting, Investments, Investment Properties, First Time Home Buyers, Construction Loans, Reverse Mortgages, FHA financing, Government Loans, Certified Mortgage..., Commercial Mortgages, Real Estate Financing, Mortgage Marketing, Consumer Lending, Loss Mitigation, Home Equity Loans, Mortgage Servicing, Home Equity Lines of..., Small Business Lending, VA Loans, FHA Financing

Education
Emory University - Goizueta Business School   1984 — 1988
BBA, Business/ Finance

Experience
Envoy Mortgage  March 2013 - Present
Mortgage Solutions Financial  July 2011 - Present
Intercap Lending  November 2012 - March 2013
South Pacific Financial Corp  July 2010 - June 2011
PRMG, Inc.   July 2007 - June 2010

Skills
Financial Planning, First Time Home Buyers, Mortgage Credit..., USDA Rural Housing, FHA Purchases and..., HomePath for Fannie Mae..., VA Purchases and..., Conventional Financing..., FHA 203K Rehab..., First Time Buyers Down..., FHA, Mortgage Lending, Real Estate, Strategic Financial..., Credit, HomePath, Investment Properties, Mortgage Banking, Government Loans, Loans, VA loans, Reverse Mortgages, USDA, Loan Origination, FHA financing, Finance, Investors, Non-Conforming, Refinance, Loss Mitigation, Certified Mortgage..., Underwriting, Foreclosures, Sellers, Investments, Short Sales, Residential Homes, Real Estate Financing, Residential Mortgages, Mortgage Marketing, Home Equity Loans, Construction Loans, Mortgage Underwriting, REO, Real Estate Economics, Commercial Mortgages, HUD, Credit Analysis

Education
California State University-San Bernardino - College of Business and Public Administration   1974 — 1977

Riverside City College   1972 — 1974
Business

Ramona High School

Experience
PRMG, Inc.   July 2012 - Present
Gold Star Mortgage  January 2011 - July 2012
Gold Coast Lending Corporation   September 2004 - December 2010
Family First Mortgage Corporation   August 2001 - August 2004
Amadeus  May 1997 - September 2000
ICSAT US   2000 - 2000
United States Coast Guard Reserve  January 1989 - December 1997
Miami-Dade County Schools  April 1978 - May 1997

Skills
FHA financing, VA Financing, Conventional Financing, Mortgage Credit..., Tax Credit, Renovation Financing, Mortgage Lending, VA loans, Real Estate, Tax Credits, Finance, Credit, Credit Analysis, Investment Properties, Underwriting, Reverse Mortgages, USDA, Residential Homes, Leadership, Customer Service, Condos, First Time Home Buyers, HomePath, Real Estate Financing, Commercial Lending, Real Estate Economics, Non-Conforming, Investments, Foreclosures, Banking, Real Estate Transactions, Mortgage Underwriting, Selling, Investors, VA Loans, Sales, FHA Financing

Education
University of Miami   1994 — 1996
MS, Computer Information Systems

Florida International University - College of Business   1976 — 1980
BBA, Finance

Experience
PRMG, Inc.   June 2011 - Present
Mortgage Solutions of Colorado  January 2011 - May 2011
American Southwest Mortgage, a wholly owned subsidiary of Spirit Bank   September 2010 - December 2010
IES Solar   April 2010 - September 2010
Wells Fargo  2007 - 2008
Royal Bank of Canada  2001 - 2007
UBuildIt  2004 - 2006
Cash Solutions, Inc.   1998 - 2001
Hilliscot Group, Inc.   1996 - 1998
Aspen Skiing Company  1992 - 1995

Skills
FHA, FNMA, Freddie Mac, Conventional, Conforming, Jumbo, VA, USDA, Mortgage Banking, Mortgage Industry, Real Estate Finance, Residential Mortgages, Mortgage, Mortgage Lending, Real Estate Financing, Underwriting, Loan Structuring, Loan Origination, Wholesale, Funding, Credit, Loans, Purchase, Refinance, First Time Home Buyers, Residential, Sales Management, Account Management, New Business Development, Investors, Sellers, B2B, Customer Relations, Banking, Customer Service, Construction, Condos, Selling, Public Speaking, Lead Generation, Marketing Strategy, Investments, Short Sales, REO, Photovoltaics, Finance, FHA financing, Government Loans, VA loans, Certified Mortgage...

Education
Michigan State University
Bachelor of Science, Building Construction Management

Community College of Denver   2009 — 2010
Certificate in Engineering Graphics, Emphasis with Revit, AutoCAD, SolidWorks, and Inventor for Architectural Drafting

Continuing Education
Colorado Division of Insurance, Property & Casualty Producer Licenses

West Bloomfield High School
Diploma, General Studies

Experience
The Chappell Team   May 2013 - Present
Financial Accounting Services  June 2011 - May 2013
Mountain West Financial  October 2010 - December 2011
American Financial Network  August 2008 - September 2010
PRMG, Inc.   June 2008 - August 2008

Skills
Accounting, Payroll Taxes, Local Taxes, Business Taxes, Short Sales, Foreclosures, Loan Modifications, Loan Modification, Income Tax, Tax Returns, Tax Return Preparation, IRS, Tax, Real Estate, Investors, Finance, Tax Preparation, Strategic Financial..., Insurance, Property, VA loans, REO, Small Business, Business Development, FHA, Loans, Training, Investments, Residential Homes, Mortgage Lending, First Time Home Buyers, Nonprofits, Corporate Tax

Education
Foothill College   1999 — 2001
General Education

Experience
PRMG, Inc.   October 2013 - Present
imortgage  April 2013 - October 2013
Envoy Mortgage  September 2012 - April 2013
Realty Network  September 2011 - September 2012
Atlantic & Pacific Real Estate  July 2010 - September 2011
Montage Real Estate 2009-2010   May 2009 - August 2010
Raincross Financial   May 2007 - May 2009
Countrywide Mortgage/Full Spectrum   July 2005 - May 2007
Accubanc Mortgage  January 1998 - January 2005
Pacific Colonial Funding   January 1990 - January 1998

Skills
Foreclosures, REO, Loans, Property, Buyers, First Time Home Buyers, Real Estate, Sellers, Investors, Investment Properties, Short Sales, FHA, New Home Sales, Mortgage Lending, Residential Homes, Real Property, Real Estate Transactions, Condos, Real Estate Financing, Single Family Homes, HUD, Relocation, Referrals, Buyer Representation, Real Estate Economics, SFR, Loan Origination, VA loans, USDA, Listings, Mortgage Banking, Refinance, Disposition, Reverse Mortgages, Vacation Homes, Commercial Real Estate, Residential Mortgages, Escrow, FHA financing, Income Properties, Brokerage, Loss Mitigation, Government Loans, Move Up Buyers, Rentals, Real Estate Development, Selling, Construction Loans, Certified Mortgage..., Property Management

Education
Cal Poly Pomona   1980 — 1983
B.S, Marketing

California Real Estate Licensee

Experience
PRMG, Inc.   April 2012 - Present
Circle Mortgage Corporation   August 2009 - April 2011
Self Employed  June 2001 - July 2009
Home Space Services   1997 - 1999

Skills
Business Analysis, Business Strategy, Mortgage Banking, Conforming, Mortgage Lending, VA, Conventional, FHA, Refinance, Mortgage, Loans, Purchase, Mortgage Planning, Loan Origination, First Time Home Buyers, USDA, VA loans, Credit, Mortgage Industry, Residential Mortgages, Reverse Mortgages, FHA financing, Loan Structuring, Construction Loans, Debt Consolidation, Residential, Real Estate, Government Loans, Mortgage Underwriting, Real Estate Transactions, Investment Properties, Certified Mortgage..., FHA Financing, Residential Homes, VA Loans

Education
University of Colorado at Colorado Springs   1994 — 1997
B.A. in Political Science, Political Science

Kansas State University   1994 — 1994

Experience
Bottom Line Advisors   October 2014 - Present
PRMG, Inc.   February 2014 - October 2014
Mortgage Services III, LLC  February 2008 - February 2014
Homecomings Financial  January 2005 - February 2008
Assurd Mortgage   June 1992 - November 2005
Washtenaw Mortgage  2003 - 2005

Skills
USDA, VA, FHA, Mortgage, Loans, Provide training with a..., Mortgage Lending, Mortgage Banking, Leadership, Banking, Refinance, Government Loans, Finance, Mortgage Underwriting, VA loans, Credit, Underwriting, Loan Origination, FHA financing, Reverse Mortgages, Construction Loans, Residential Mortgages, Wholesale Lending, Loss Mitigation, Credit Analysis, Home Equity Loans, Certified Mortgage..., Mortgage Marketing, Mortgage Servicing, Real Estate Financing, Consumer Lending, First Time Home Buyers, Home Equity Lines of..., Small Business Lending, Investment Properties, Loan Servicing, Referrals, Closings, REO, Real Estate, Real Estate Economics, Commercial Mortgages, Funding, Foreclosures, Commercial Lending, Debt Consolidation, Investors, Insurance, Residential Homes, HUD

Education
Indiana University-Purdue University at Indianapolis   1969 — 1971
Accounting, Banking

Decatur Central High School   1965 — 1969

Experience
Primary Residential Mortgage  2014 - Present
PRMG, Inc.   March 2012 - 2013
Patrion Mortgage   March 2007 - October 2009
Union Bank  April 2005 - December 2007
Union Bank  May 2001 - April 2005
Washington Mutual Card Services  May 1998 - June 2001

Skills
Loan Origination, Mortgage Lending, FHA, First Time Home Buyers, Loans, Refinance, Mortgage Banking, Residential Mortgages, USDA, VA loans

Education
Rio Hondo College   1998 — 2000
Early Childhood Education and Teaching

Experience
PayPal  April 2013 - Present
Wells Fargo  June 2012 - April 2013
Denver Mortgage Company  January 2012 - May 2012
American Southwest Mortgage Corp  October 2009 - December 2011
PRMG, Inc.   February 2009 - October 2009
Flagstar Bank  May 2008 - January 2009

Skills
Document Management, Pipeline Management, Customer Satisfaction, Collaborative Problem..., Communication, Training, Quality Management, analytical reporting, Microsoft Office, Outlook, Calyx Point, Loan Prospector, Desktop Underwriter, FHA Connection, Credit, Customer Service, Loans, Management, Event Planning, Microsoft Word, Mortgage Industry, Mortgage Lending, Social Media, Analysis, Banking, Business Development, Financial Risk, Start-ups, Risk Management, Leadership, Mortgage Banking

Education
American Institute of Banking
Banking and Finance

Arapahoe Community College
CMLA Coursework

Coronado High Shool
Diploma, General

Pikes Peak Community College
N/A, Culinary Arts

Experience
Identifix, Inc.   June 2012 - Present
Sierra Pacific Mortgage  January 2011 - July 2012
Sun West Mortgage  July 2010 - January 2011
PRMG, Inc.   January 2010 - June 2010
US Bank  April 2000 - December 2008

Skills
Sales Management, Training/Mentoring, Account Management, Customer Relations, Team Leadership, Cross Selling, Customer Service, Sales, Sales Operations, CRM, Marketing, Online Marketing, New Business Development, Cold Calling, Management, Marketing Strategy, Mortgage Lending, Sales Process, Negotiation, Recruiting, Training, Strategic Planning, Selling, Customer Retention, B2B

Education
University of Nevada-Las Vegas   1982 — 1984
General, Music

Experience
PRMG, Inc.   July 2013 - Present
National Notary Association  October 2013 - March 2014
Network Capital Funding Corporation  October 2012 - June 2013
FieldChoice, LLC  September 2011 - April 2013
FieldChoice, LLC  September 2011 - September 2012
loanDepot  August 2010 - September 2011
Pinnacle Real Estate Services, Inc.   June 2002 - April 2008
Statewide Documentation   October 2001 - August 2002
E*TRADE Financial Corporation  June 1998 - October 2001
DAC-Document Assistance Corporation   August 1996 - June 1998

Skills
Team Building, Negotiation, Customer Service, Business Development, Strategic Planning, Problem Solving, Organizational..., New Business Development, Technology Product..., Increased Profitability, Increase Productivity, Time Management, Entrepreneurship, Management, Operations Management, Leadership, Start-ups, Executive Management, Sales Management, Finance, Residential Mortgages, Refinance, Mortgage Banking, Real Estate, Mortgage Lending, Loans

Education
University of Phoenix
Bachelor's Degree, Business Administration, Management and Operations

Experience
PRMG, Inc.   April 2014 - Present
Wells Fargo  September 2013 - March 2014
Chase  October 2009 - August 2013
HSBC  February 2008 - October 2009
Financial Trust Lending   December 2005 - January 2008

Skills
Mortgage Lending, Mortgage Banking, Refinance, FHA, Loan Origination, Loans, Residential Mortgages, Credit, VA loans, USDA, FHA financing, Credit Analysis, Certified Mortgage..., Construction Loans, First Time Home Buyers, Government Loans, Investors, Reverse Mortgages, FHA Financing, VA Loans

Education
Miami Dade College

Miami Palmetto Senior High

Experience
PRMG, Inc.   September 2013 - Present
CenturyLink  August 2010 - April 2013
Environmental Products International Inc.   December 2008 - August 2010
Wells Fargo Home Mortgage  2007 - 2008
Own It Mortgage   2004 - 2007
M&I Bank (AmerUs)   2002 - 2004
First Community Bank  1994 - 2002

Skills
Wholesale Lending, New Business Development, Solution Selling, Direct Sales, Customer Retention, Mortgage Banking, Wholesale Banking, Value Based Selling, Mortgage Lending, Mortgage Servicing, Jumbo Mortgage, Networking, B2B, Securities, Team Leadership, Loans, Leadership, Cold Calling, Investment Properties, Refinance, Salesforce.com, Unified Communications, Sales Operations, Sales Presentations, Co-location, Sales Process, Managed Services, Selling, Channel Partners, Sales

Education
Northern Arizona University, College of Business Administration   1987 — 1992
Bachelor of Business Administration (BBA), Marketing/Marketing Management, General

Experience
Lenox Financial  July 2015 - Present
PHH Mortgage  March 2015 - July 2015
Power Choice Mortgage Advisors   November 2013 - March 2015
First Mortgage Corporation  September 2013 - October 2013
Network Capital Funding Corporation  2013 - September 2013
Pacific Mercantile Bank  2012 - 2012
PRMG, Inc.   2008 - 2010
Lend Tech Mortgage   January 2003 - January 2007
First Capital Mortgage  1999 - 2002
Marina Mortgage   January 1996 - January 1998

Skills
Bilingual, FHA, Refinance, Loans, Down Payment Assistance, Mortgage Banking, VA loans, FHA financing, Residential Mortgages, Customer Service, Investment Properties, First Time Home Buyers, Mortgage Lending, Microsoft Office, Real Estate Financing, Foreclosures, USDA, Loan Origination, Government Loans, Finance, HUD, Investors, Referrals, Home Equity Loans, Credit, Single Family Homes, Credit Analysis, Sales, Leadership, Property, Microsoft Word, PowerPoint, Outlook, Microsoft Excel, Real Estate, Short Sales, Selling, Sellers, REO, Certified Mortgage..., Non-Conforming, Residential Homes, Investments, 203K, FNMA, HomePath, Home Equity Lines of..., NMLS, Wholesale Lending, Escrow

Education
La Sierra

Riverside Community College

Experience
PRMG, Inc.   April 2014 - Present
Guaranteed Rate  2013 - March 2014
John Hancock Financial Network  2010 - 2013
Trendex Commodity   2004 - 2010

Skills
Series 7, Series 6, Series 65, Mortgage Lending, Commercial Mortgages, 203K, ARM, Refinance, lending, Rates, Low Rates, Customer Service, Loan Origination, Loans, VA loans, Reverse Mortgages, Jumbo Mortgage

Education
Universidad del Desarrollo   2001 — 2003
Master of Business Administration (MBA)

Texas Christian University   1991 — 1993
Bachelor of Business Administration (BBA), Finance, General

Experience
New Penn Financial, LLC  August 2013 - Present
PRMG, Inc.   September 2012 - July 2013
OLI Vibrator   May 2011 - September 2012
CBC National Bank  March 2010 - May 2011
Wells Fargo Home Mortgage  May 2004 - March 2010
Wells Fargo Home Mortgage  October 2001 - April 2004

Skills
Account Management, New Business Development, Marketing Strategy, Customer Service, Qualifying Prospects, Strategic Thinking, Territory Development, Turn Around Management, Product Introduction, Sales, Marketing, Cold Calling, Mortgage Lending, Loans, Business Development, Strategic Planning, Mortgage Banking, FHA, USDA, Refinance, VA loans, Residential Mortgages, FHA financing, Government Loans, Relationship Management

Education
Georgia Southern University   1996 — 2001
Bachelor of Fine Arts (B.F.A.), General Studies

Experience
Tavisola & Associates   July 2010 - Present
Berkshire Hathaway HomeServices California Properties  July 2010 - July 2014
PRMG, Inc.   August 2013 - September 2013
R. R. Robbins, Jr., CFP (Commercial Finance)   August 1998 - December 2011
Mortgage Services Center   April 2003 - December 2009

Skills
Market Analysis, Mortgage Lending, Marketing Campaigns, Legal Research, Advertising, Administration, Account Management, Budgeting, Business Strategy, Business Planning, Business Management, Customer Relations, Copywriting, Product Development, Graphic Design, Documentation, Editing, English, Financial Planning, Government Liaison, Integration, Journalism, Mentoring, Program Management, Negotiation, Organizational..., Photoshop, Planning, Public Relations, Strategic Planning, Photography, Quality Assurance, Research, Real Estate, Risk Management, Market Research, Media Relations, Social Media, Problem Solving, Team Building, Teaching, Underwriting, Valuation, Word, Writing, Windows, Zoning, Web, Microsoft Word, Project Planning

Education
University of the Philippines   1994 — 1997
M.A., Communication Arts

Centro Escolar University   1984 — 1989
Bachelor of Arts, Mass Communications - Broadcast, 3.0

Mt Sn Jacinto College   2011 — 2012
Certificate, Paralegal Studies, 3.8

Saint Patrick School   1981 — 1984
High School, High School

La Consolacion School   1974 — 1981
K-12, Educational Foundations

University of California, Irvine

Experience
PRMG, Inc.   November 2009 - Present
PRMG, Inc.   November 2009 - June 2010
Harbour Capital Group   May 2006 - October 2008
Acoustic Home Loans  October 2004 - April 2006
MLSG Home Loans  1999 - 2004

Education
WCI   1996 — 1998
BS, Business

Cornell University - Johnson Graduate School of Management
BS, Business

Experience
PRMG, Inc.  

Skills
Investments, Asset Management, Risk Management, Finance, Loans, Credit, Estate Planning, Strategic Planning, Financial Analysis, Insurance

Education
Cypress College
Associate of Arts and Sciences (AAS), Business Administration and Management, General

Experience
PRMG, Inc.   April 2014 - Present
Union Home Mortgage  April 2013 - October 2013
Nationstar Mortgage Wholesale Lending  February 2012 - March 2013
Wells Fargo Wholesale  2004 - 2011
Bank United  1981 - 1983

Skills
Mortgage Lending, Mortgage Banking, Loans, FHA, Residential Mortgages, Loan Origination, Credit, Refinance, FHA financing, USDA, Underwriting, Sales Management, Credit Analysis, Mortgage Underwriting, VA loans, Banking, Construction Loans, First Time Home Buyers, Account Management, Reverse Mortgages, Sales, Finance, Real Estate Economics, Real Estate, Government Loans, Certified Mortgage..., Loss Mitigation, Investment Properties, Loan Servicing, Mortgage Servicing, FHA Financing, VA Loans

Education
Louisiana Tech University   1976 — 1980
Bachelor of Business Administration (B.B.A.)

Bastop High School   1972 — 1976
Business Administration and Management, General

Experience
ITS National Inc.   August 2013 - Present
PRMG, Inc.   April 2012 - August 2013
Titan Wholesale   August 2007 - August 2010
MLSG Home Loans  December 2002 - August 2007
E-Commerce Exchange   June 1998 - November 2002

Skills
Mortgage Lending, Mortgage Banking, Sales Management, Loans, FHA, USDA, Residential Mortgages, Loan Origination, VA loans, Refinance, Credit, Foreclosures, Mortgage Underwriting, Underwriting, Sales, FHA financing, Real Estate, Real Estate Economics, VA Loans, Government Loans, Leadership, Selling, Reverse Mortgages, Real Estate Financing, Commercial Mortgages, Construction Loans, FHA Financing

Education
University of Chicago   2006 — 2006
Executive MBA Course, Fundamentals of Effective Sales Management

Sierra College

Experience
Majestic Home Loan  January 2013 - Present
American Financial Network Inc.  February 2012 - April 2013
Freedom Mortgage Corporation  June 2010 - February 2011
PRMG, Inc.   February 2010 - June 2010
Amerisave Mortgage Corporation  February 2008 - December 2009
WestOne Mortgage Corporation   September 2007 - December 2008
Quality Home Loans  October 2006 - August 2007
Alliance Bancorp  January 2005 - July 2007
Mortgage World   June 2003 - January 2005
Mancini's Sleepworld  2002 - 2003

Skills
Mortgage Lending, Sales, Mortgage Banking, Residential Mortgages, Credit, FHA, Refinance, Finance, Management, Loan Origination

Education
Texas Christian University   1984 — 1987

Experience
Ponton Industries, Inc.   March 2014 - September 2014
PMAC Lending Services Inc.  May 2012 - January 2014
PRMG, Inc.   March 2009 - April 2012

Skills
Goal Oriented, Highly detail oriented, Self-driven, Team Leadership, Team Building, Sales, Sales Process, Selling, Direct Sales, Cold Calling, B2B, Sales Operations

Education
California State University-Fullerton   1991 — 1994
Associate of Arts (AA), Marketing

Experience
PRMG, Inc.   May 2011 - Present
Bank of America  November 2009 - February 2011
El Paseo Bank   March 2006 - February 2009
Peoples Bank Washington   December 2003 - September 2005
Peoples Bank of Commerce  October 2000 - November 2003

Skills
Mortgage Lending, Relationship Management, Loan Origination, FHA, Underwriting, Investments, Real Estate, Portfolio Management, Investors, Management, Insurance, Residential Homes, Mortgage Banking, Refinance, Residential Mortgages, Credit, Loans, USDA, Leadership, Training

Education
California State University-Long Beach   1973 — 1975
Bachelors, Social Welfare

Experience
Fleet Financial  November 2014 - Present
PRMG, Inc.   May 2014 - Present
Bank of England, Mortgage Division  October 2012 - August 2013
Continental Credit LLC   September 2010 - September 2012

Skills
Management, Networking, Mortgage Lending, Credit, Loans, Refinance, Loan Origination, Mortgage Banking, Finance, Financial Risk, Professional Services, Analysis, FHA, Time Management, Residential Mortgages, Financial Analysis, Credit Analysis, Credit Risk, Business Relationship..., NMLS Licensed, First Time Home Buyers, Real Estate Lending, VA Loans, B2B Marketing, B2B Marketing Strategy, Personal Development, Personal Finance, Foreclosures, Business Development, Business Planning, Social Networking, USDA, Outlook, Microsoft Excel, Business Travel, Travel Planning, Business Meetings, Recruiting, personal, Home Offices, Real Estate Transactions, Organizational Behavior, Organizational..., Client Relations, Asset Management, Psychological Assessment, Career Assessment

Education
Metropolitan State College of Denver   2004 — 2010
Bachelor of Applied Science (BASc), Social Psychology

Evergreen High School

Experience
doTERRA International LLC  June 2014 - Present
Jennette Pulecio Makeup Artistry   August 2010 - Present
Frazer Frost, LLP  October 2007 - April 2010
Moore Stephens Wurth Frazer and Torber, LLP   October 2007 - March 2010
PRMG, Inc.   2004 - 2006
Corona Norco Unified School District  2000 - 2004

Skills
Employee Benefits, Employee Relations, Human Resources, Makeup Artistry, Personnel Management, Recruiting, Time Management, Training, Fashion, HRIS, Sales, Social Media

Education
Empire Academy of Makeup   2010 — 2011

California State University-Fullerton   2001 — 2004
Psychology, Industrial and Organizational Psychology

Riverside City College   1998 — 2003
AA, AS

Experience
Printing Industries Credit Union   November 2011 - Present
PRMG, Inc.   October 2010 - January 2011
Arrowhead Central Credit Union   1990 - 2010
Arrowhead Credit Union  1990 - 2010

Education
Minnesota State University, Mankato   1981 — 1985
Bachelor of Business Administration (BBA), Finance Real Estate and Insurance

Experience
Coast Realty   May 2000 - Present
East Providence Waterfront District Commission   December 2003 - Present
Consolidated Concrete   May 1978 - Present
Douglas Lumber  1975 - Present
PRMG, Inc.   2010 - 2014
CEMCON, Ltd.   September 1994 - December 2001
Fluor  June 1994 - May 2000
Teng & Associates  September 1990 - June 1994
Orbital Engineering, Inc.   May 1986 - September 1990
Sargent & Lundy  August 1983 - May 1986

Skills
Brokerage, Location Intelligence, Real Estate Development, Leases, Disposition, Real Estate, Investment Properties, Real Estate Transactions, Property Management, Corporate Real Estate, Land Acquisition, Tenant Representation, Land Development, Real Estate Financing, Real Estate Economics, Commercial Real Estate, REO, Investors, Tenant, Lease Negotiations, Shopping Centers, Entitlements, HUD, Rentals, Contract Negotiation, Real Estate Due..., Residential Homes, Referrals, 1031 Exchanges, Real Property, Landlords, Acquisitions, Appraisals, FHA, Condos, Lease Administration, Commercial Mortgages, Property, Foreclosures, Sellers, Construction Loans, Refinance, Short Sales, Single Family Homes, Income Properties, Apartments, Loan Origination, First Time Home Buyers, Relocation, Mortgage Banking

Education
Northwestern University
Murphy Fellowship in Structural Engineering

University of Rhode Island
BS in Civil/Structural Engineering

Barrington High School

Experience
Trust Lending   January 2015 - Present
PRMG, Inc.   March 2014 - August 2014
FEMBI First Equity Mortgage Bankers, Inc.   October 2012 - January 2014
Home Financing Center  April 2011 - October 2012
Source Consulting Group   January 2010 - April 2011
Flick Mortgage Investors   2004 - 2007

Skills
Microsoft Office, Loan Modifications, Loan Origination, Loan Quest, LandTech, Excel, Social Media, Management, Social Networking, Spanish, Organizing, PowerPoint, Photoshop, Customer Relations, Real Estate, Word, Writing, Web Development, Wordpress, Wireless, YouTube, Yahoo, First Time Home Buyers, VA loans, Loans, REO, Credit, Loan Servicing, Listings, Investors, Marketing, Residential Homes, FHA, Referrals, Microsoft Word, Brokerage, Short Sales, Residential Mortgages, Mortgage Lending, Microsoft Excel, Real Estate Economics, Foreclosures, Process Scheduler, Buyers, Notary Public, WordPress, HUD, Condos, Underwriting, Outlook

Education
Florida International University   2010 — 2011
Masters, Management

Florida International University   2006 — 2010
Bachelors, Management

Experience
PRMG, Inc.   March 2013 - Present
New Penn Financial, LLC  August 2011 - March 2013
Bank of America/RFC   2012 - 2013
Mortgages by LiRose   January 2009 - August 2011

Skills
Licensed mortgage..., Loans, Mortgage Lending, Residential Homes, Finance, Sales, Commercial Real Estate, Investment Properties, Real Estate, FHA, First Time Home Buyers, REO, Foreclosures, Short Sales, Investors, Condos

Education
Florida International University - College of Business Administration   1996 — 2000
Bachelor of Business Administration (B.B.A.), Business Administration and Management, General

Christopher Columbus High school   1992 — 1996
High school diploma

St Timothy Catholic School   1981 — 1992