Residential Mortgage Services, Inc.
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Residential Mortgage Services, Inc. Employees
The Charles Realty January 2014 - Present
The Charles Realty 2013 - Present
The House Doctor July 2013 - March 2014
Residential Mortgage Services, Inc. May 2012 - August 2012
Northwestern Mutual 2011 - April 2012
The Charles Realty June 2009 - September 2010
Skills
Real Estate, Sales, Marketing Strategy, Marketing, Entrepreneurship, Investments, Financial Analysis, Mortgage Lending, Finance, Microsoft Excel, PowerPoint
Education
Babson College 2009 — 2013
Entrepreneurship and Real Estate
The Middlesex School 2005 — 2009
Residential Mortgage Services, Inc. September 2011 - Present
Banco Popular/Equity One 1994 - 2006
Skills
Construction Loans, Credit, Mortgage Marketing, Credit Analysis, Consumer Lending, First Time Home Buyers, Banking, Investment Properties, HUD, Branch Management, Cash Out, Real Estate, Down Payment Assistance, USDA Rural Housing, Finance
Education
Cranston High School East 1980 — 1984
Roger Williams University 1980 — 1984
Bachelor of Science (B.S.), Paralegal and Business
Residential Mortgage Services, Inc. -- NMLS#1760 September 2014 - Present
Elite Personal Fitness January 2014 - Present
Residential Mortgage Services, Inc. September 2010 - Present
Self July 2000 - Present
Citizens Mortgage Corp March 1995 - September 2000
Citizens Bank March 1992 - March 1995
Kollsman April 1985 - March 1992
Skills
Mortgage Lending, Credit, Underwriting, Investment Properties, Finance, Residential Mortgages, Construction Loans, VA loans, Commercial Lending, Refinance, Time Management, Mortgage Banking, First Time Home Buyers, Customer Satisfaction, Investors, Management, Loan Servicing, Loan Origination, Foreclosures, Credit Analysis, Loans, Short Sales, Customer Service, Consumer Lending, FHA, Banking, Mortgage Underwriting, FHA financing, Sales, Residential Homes, REO, Referrals, Real Estate, USDA, Home Equity Loans, Home Equity Lines of..., Real Estate Financing, Real Estate Transactions, Government Loans, Condos, Mortgage Marketing
Education
Southern NH University 1985 — 1990
Associate's Degree, Accounting
Southern New Hampshire University 1985 — 1990
Bachelor's Degree, Marketing Associates in Accounting
Manchester West High
Ross Mortgage Company September 2015 - Present
Finance of America Mortgage LLC August 2015 - September 2015
PMAC Lending Services, Inc. March 2014 - July 2015
radius financial group inc. May 2011 - March 2014
Residential Mortgage Services, Inc. August 2009 - May 2011
Skills
FHA, Mortgage Lending, Loans, Mortgage Banking, First Time Home Buyers, Real Estate, VA, Refinance, USDA, Conventional, Loan Origination, Mortgage, Credit, Purchase, Banking
Education
Bentley University 1996 — 2000
BS, Finance
Falmouth High
CarriageHouse Consulting, Inc. August 2012 - Present
Gardens By Jenni February 2014 - Present
SHARP: Salt marsh Habitat Avian Restoration Project March 2012 - September 2012
MOOSEHORN NATIONAL WILDLIFE REFUGE May 2011 - July 2011
University of Maine School of Biology and Ecology December 2009 - August 2010
Residential Mortgage Services, Inc. 2008 - 2010
University of Maine School of Biology and Ecology September 2008 - May 2009
Skills
Field Work, Ecology, GPS, Microsoft Office, Quickbooks, Wetlands, Microsoft Excel, Entomology, State trust fund..., Organic Gardening, pollinator conservation, Phase reporting, MCP, CT RSR, Environmental Policy, Environmental Science, Environmental Compliance, Environmental Consulting, Environmental Awareness, Environmental Impact...
Education
University of Maine 2006 — 2010
Bachelor of Science (BS), Ecology and Environmental Science; Natural History
Universidad de Costa Rica 2009 — 2009
Bachelor of Science (BS), Tropical Ecology
Yarmouth High School 2002 — 2006
OSHA 40 Hour HAZWOPER
Residential Mortgage Services, Inc. May 2013 - Present
Skills
Microsoft Office, Social Media, First Time Home Buyers, Sales
Education
Keene State College 2013 — 2016
Sophmore, Business/Corporate Communications
Coastal Carolina University 2012 — 2012
Business/Corporate Communications
Merrimack Mortgage Company, Inc. April 2014 - Present
Residential Mortgage Services, Inc. July 2012 - March 2014
Citizens Bank March 2007 - July 2012
Abercrombie & Fitch March 2010 - December 2011
Gap Inc./Banana Republic June 2004 - October 2006
Skills
Consumer Lending, Loans, Mortgage Lending, Credit, Loan Origination, Credit Analysis, Mortgage Banking, Refinance, Banking, Residential Mortgages, Small Business Lending, FHA, Commercial Lending, Cross Selling, Lines Of Credit, Credit Risk, Retail Banking, Deposits, Home Equity Loans, Loan Servicing, Home Equity Lines of..., Mortgage Servicing, Mortgage Marketing, Teller Operations, Commercial Banking, FHA financing, Government Loans, FHA Financing, Customer Service, Sales, Microsoft Office, Real Estate, Microsoft Word, First Time Home Buyers, PowerPoint, Management, Leadership, Investment Properties, Public Speaking, Time Management, Retail, Social Media
Education
Lasell College 2000 — 2004
BA of Science, Fashion Design and Merchandising
Residential Mortgage Services, Inc. March 2012 - Present
Figa Restaurant September 2011 - March 2012
Petite Jacquline/555 March 2011 - September 2011
Hugo's Restaurant August 2010 - March 2011
Duck Fat April 2010 - August 2010
Max London's Restaurant & Bar April 2009 - April 2010
The Mouzon House October 2007 - January 2009
Skills
Menu Development, Restaurants, Italian cuisine, Bread, Time Management, Outlook, Training, Mortgage Lending, Finance, Chef, Cuisine, Food, Recipes
Education
Skidmore College 2005 — 2009
B.A, Economics, Music
Holderness School 2001 — 2005
Highschool
Prime Mortgage Lending May 2015 - Present
AnnieMac Home Mortgage February 2013 - May 2015
Residential Mortgage Services, Inc. June 2012 - January 2013
Poli Mortgage Group June 2010 - May 2012
ClearPoint Funding Inc (fka Virgin Money) January 2009 - June 2010
Taylor, Bean and Whitaker January 2007 - May 2008
Bankers Advisory October 2005 - January 2007
Greenpark Mortgage July 2002 - May 2003
GN Mortgage May 2001 - June 2002
H & R Block Mortgage (formerly AMCA) August 1997 - June 2000
Skills
Mortgage Lending, FHA, Loans, Mortgage Banking, Refinance, Loan Origination, Risk Management, Residential Mortgages, Credit, FHA financing, Underwriting, Mortgage Underwriting, Banking, First Time Home Buyers, Investment Properties, Credit Analysis, Government Loans
Education
Framingham State University 1992 — 1997
BS, Business Administration
Residential Mortgage Services, Inc. January 2012 - Present
Bank of America February 2005 - January 2012
Eastern Bank / Plymouth Savings Bank May 1998 - February 2005
Skills
Credit, Loan Origination, Loans, Mortgage Banking, Mortgage Lending
Education
University of Massachusetts Dartmouth
Bachelor of Business Administration (B.B.A.)
The Albano Group, LLC August 2013 - Present
Residential Mortgage Services, Inc. May 2011 - April 2013
Commercial Property Tax Management LLC January 2002 - June 2009
Deloitte & ToucheCarlsbad, CA January 1999 - December 2001
Skills
Property Tax, USDA, FHA, Mortgage Lending, Refinance, Mortgage Banking, Loans, First Time Home Buyers, Real Estate, FHA financing, VA loans, Government Loans, Residential Homes, Residential Mortgages
Education
Champlain College 1996 — 1997
1 Year of Accounting Associates Program
Lebanon High School 1990 — 1994
High School Diploma
Hayden Consulting LLC March 2005 - Present
Residential Mortgage Services, Inc. September 2013 - Present
PHH Mortgage Corporation May 2010 - March 2012
Mortgage Renaissance Investment Trust March 2009 - May 2010
GMAC ResCap March 2007 - October 2008
JPMorgan Chase 1992 - 2005
Security Pacific National Bank January 1989 - June 1992
First Interstate Bank of California 1980 - 1989
Ralph C. Sutro Co. 1978 - 1980
Skills
Portfolio Management, Credit, Capital Markets, Due Diligence, Mortgage Lending, Valuation, Mergers & Acquisitions, Risk Management, Banking, Asset Management, Loan Origination, Structured Finance, Underwriting, Securitization, Loan Servicing, Analysis, Commercial Banking, Acquisitions, Negotiation, Emerging Markets, Loans, Mortgage Banking, Financial Services, Market Risk, Loss Mitigation, Asset Managment, Residential Mortgages, Leadership, Executive Management, Refinance, Finance, Credit Risk, Financial Risk, FHA, Fixed Income
Education
University of California, Los Angeles - The Anderson School of Management 1985 — 1988
MBA
Brown University 1974 — 1978
BA, Mathematics and English
Guaranteed Rate October 2014 - Present
NE Moves Mortgage, LLC September 2013 - October 2014
Residential Mortgage Services, Inc. December 2011 - August 2013
NE Moves Mortgage, LLC May 2010 - December 2011
Jersey Mortgage Company 2008 - 2010
NRC Realty Advisors, LLC 2003 - 2008
Brown Rudnick LLP 1999 - 2002
King & Spalding 1995 - 1999
Milbank, Tweed, Hadley & McCloy LLP 1991 - 1995
Skills
Mortgage Lending, Conventional Financing, Loan Origination, FHA, Residential Mortgages, Refinance, Investment Properties, Real Estate, VA loans, Loans, Mortgage Banking, USDA, Finance, First Time Home Buyers, FHA financing, Real Estate Transactions, Second Mortgages, Maine State Housing..., Mortgage..., Refinancings
Education
Fordham University School of Law
Doctor of Law (JD), top 10%
Boston College, School of Management Honors Program
BS/BA, magna cum laude, Philosophy and Management Science
The Nashua Bank a division of Lake Sunapee Bank January 2013 - Present
Residential Mortgage Services, Inc. April 2005 - January 2013
TD Bank June 1998 - April 2005
Crossland Mortgage Corporation April 1996 - June 1998
Shaw's Supermarkets February 1984 - June 1996
Skills
Mortgage Lending, Refinance, Jumbo Mortgage loans, First Time Home Buyers, Portfolio Lending, Loans, Residential Homes, Referrals, Residential Mortgages, Non-Conforming, Government Loans, Mortgage Banking, Investment Properties, Loan Origination, USDA, Banking, VA Loans, Construction Loans, FHA, FHA financing
Education
Plymouth State University 1981 — 1983
Business
Bishop Brady HS 1977 — 1981
Leadership Greater Nashua
Fairway Independent Mortgage Corporation April 2015 - Present
Admirals Bank January 2014 - March 2015
Residential Mortgage Services, Inc. September 2012 - September 2013
Eastern Bank November 1998 - August 2012
FIRSTFED January 1992 - November 1998
Skills
Mortgage Lending, Loans, Mortgage Banking, Credit, FHA, Refinance, Residential Mortgages, Banking, USDA, FHA financing, Credit Risk, Retail Banking, Real Estate, Mortgage Underwriting, Credit Analysis, Underwriting, Reverse Mortgages, FHA Financing
Education
Bristol Community College
Associate of Arts and Sciences (AAS), Business Administration and Management, General
Martin's Point Health Care July 2011 - Present
Health Dialog 2007 - July 2011
Health Dialog March 2009 - September 2010
Health Dialog June 2007 - March 2009
Hungry Herps April 2001 - June 2007
Residential Mortgage Services, Inc. June 2006 - April 2007
Kennebunk Savings Bank March 2002 - April 2005
Onvia June 1999 - April 2001
John Wiley and Sons March 1991 - June 1999
Citi August 1986 - January 1990
Skills
Crystal Reports, SDLC, SAS, Requirements Gathering, Business Analysis, SQL Server Management..., Cognos, Data Warehousing, PL/SQL, SQL, Cross-functional Team..., Software Documentation, Data Analysis, Access, Process Improvement, Databases, Visio, Visual Basic, Analysis, Oracle, Analytics, Microsoft SQL Server, Testing, Business Intelligence, Vendor Management, Business Objects, Quality Assurance, Strategy
Education
Ithaca College 1979 — 1980
Mortgage Network, Inc. December 2013 - Present
Residential Mortgage Services, Inc. August 2011 - October 2013
MetLife Home Loans September 2008 - July 2011
First Horizon Home Loans April 2002 - August 2008
North American Mortgage Company September 1995 - April 2002
Skills
Certified Mortgage..., USDA, Loan Origination, Condos, Marketing, Mortgage Marketing, Banking, REO, Mortgage Banking, Mortgage Lending, Refinance, FHA, Loans, Credit Analysis, Sales Management, Negotiation, Relocation, Residential Mortgages, First Time Home Buyers, Investment Properties, Mortgage Underwriting, Short Sales, Sales, Real Estate, Leadership Development, Investors, Sellers, Selling, Credit, Referrals, Underwriting, Residential Homes, Consumer Lending, Real Estate Financing, Team Building, Customer Service, Government Loans, VA loans, New Home Sales, Real Estate Transactions, Construction Loans, FHA financing, New Business Development, Single Family Homes, HUD, Home Equity Loans, Home Equity Lines of..., Mortgage Servicing, Reverse Mortgages
Education
University of Colorado at Boulder
Theater, Marketing
The Wheeler School 1976 — 1980
Better Homes and Gardens Real Estate The Masiello Group January 2015 - Present
Bruno's Restaurant and tavern September 2008 - Present
Residential Mortgage Services, Inc. -- NMLS#1760 October 2014 - May 2015
Residential Mortgage Services, Inc. November 2012 - September 2014
Stone Coast Mortgage December 2008 - November 2012
Skills
Mortgage Lending, Loans, Real Estate, Refinance, Credit, Mortgage Banking, Residential Mortgages, Investment Properties, First Time Home Buyers, Banking
Education
Johnson and Wales University 2003 — 2006
Sports/Entertainment & Event Management
Residential Mortgage Services, Inc. May 2011 - Present
First Eastern Mortgage February 2010 - May 2011
MetLife Home Loans March 2008 - February 2010
SouthCoast Mortgage & Investment Corp September 1998 - March 2008
Bank of Boston 1992 - 1998
Skills
Refinance, Mortgage Lending, USDA, Loans, VA loans, FHA, Residential Mortgages, Mortgage Banking, Finance, Real Estate, Government Loans, Construction Loans, Loan Origination, Certified Mortgage..., Consumer Lending, FHA financing, HUD, Underwriting, Short Sales, Reverse Mortgages, First Time Home Buyers, Sales, Residential Homes, Mortgage Underwriting, Credit, Credit Analysis, Investment Properties, Banking
Education
University of Massachusetts Dartmouth 1987 — 1991
BS, Finance
Salem State University 1984 — 1988
Pinnacle Mortgage Corporation April 2015 - Present
Sierra Pacific Mortgage Company, Inc. October 2014 - April 2015
Residential Mortgage Services, Inc. May 2012 - September 2014
Alpine Mortgage LLC March 2011 - May 2012
Radiant Mortgage April 2006 - February 2011
Marketsource 1998 - 2003
Skills
FHA, Mortgage Banking, First Time Home Buyers, Mortgage Lending, Refinance, Loans, Real Estate, Loan Origination, Residential Mortgages, Credit, USDA, Investment Properties, HomePath, Marketing, Relocation, VA loans, Sellers, Condos, Single Family Homes, Real Estate Transactions, Short Sales, Certified Mortgage..., Reverse Mortgages
Education
Boston University 1992 — 1996
BS, Business/Corporate Communications
Residential Mortgage Services, Inc. September 2013 - Present
RMS - Residential Mortgage Services, Inc. June 2011 - April 2014
First Eastern Mortgage January 2008 - June 2011
Countrywide Home Loans December 2004 - December 2007
CTX Mortgage October 2003 - November 2004
Reebok March 1997 - October 2003
Skills
Mortgage Lending, Mortgage Banking, FHA, Refinance, Sales Management, Loans, First Time Home Buyers, Marketing, Customer Service, Real Estate Transactions, Small Business, Sales, Finance, Short Sales, Referrals, Loan Origination, Residential Mortgages, FHA financing, VA loans, USDA, Government Loans, Construction Loans, Certified Mortgage...
Education
Central Connecticut State University 1988 — 1996
MS, Sociology, Leadership
Residential Mortgage Services, Inc. November 2003 - Present
Skills
Mortgage Banking, USDA, FHA, Mortgage Lending, Refinance, Loans, Real Estate Transactions, Credit, Short Sales, REO, VA loans, Reverse Mortgages, Foreclosures, FHA financing, Managerial Finance, Sellers, New Business Development, Government Loans, Certified Mortgage..., Residential Mortgages, Loan Origination
Education
University of New Hampshire 1986 — 1990
Residential Mortgage Services, Inc. October 2011 - Present
CRG Partners September 2010 - January 2011
Camp Manito-wish YMCA May 2010 - August 2010
Tufts University 2007 - 2010
Campus Bedding July 2009 - August 2009
McNeil, Gray & Rice 2008 - 2008
Skills
Spanish, Editing, Press Releases
Education
Tufts University 2006 — 2010
Bachelor of Arts, English
Universidad Autónoma de Madrid 2009 — 2009
Spanish Language and Art
People's United Bank September 2015 - Present
First Niagara Bank. 617 460 5210 beverley.barnard@fnfg.com August 2013 - August 2015
Admirals Bank August 2012 - August 2013
Residential Mortgage Services, Inc. January 2012 - August 2012
Prospect Mortgage, LLC May 2011 - January 2012
First Eastern Mortgage April 2009 - May 2011
Flagstar Bank August 2008 - April 2009
Citi November 2007 - August 2008
CitiMortgage, Citigroup November 2007 - August 2008
Pinnacle Financial March 2007 - November 2007
Skills
Yachtmaster/Ocean..., Team Building, Mortgage Lending, Loans, Marketing, Selling Skills, Mortgage Banking, Construction Loans, FHA financing, Credit, Loan Origination, Residential Mortgages, Refinance, Underwriting, FHA, Banking, VA loans, Sales, USDA, Reverse Mortgages, Certified Mortgage..., Condos, Government Loans, Investment Properties, Mortgage Underwriting, Real Estate Financing, Consumer Lending, Credit Analysis, Commercial Lending, Home Equity Loans, First Time Home Buyers, Commercial Mortgages, Loan Servicing, Mortgage Servicing, Mortgage Marketing, Loss Mitigation, Real Estate, Credit Risk, Real Estate Economics, Finance, Rates, Commercial Banking, Retail Banking, Non-Conforming, Marketing Management, FHA Financing, VA Loans
Education
Brighton College of Technology 1980 — 1982
The King's School, Canterbury, England 1970 — 1977
Residential Mortgage Services, Inc. -- NMLS#1760 March 2015 - Present
Residential Mortgage Services, Inc. June 2014 - March 2015
Residential Mortgage Services, Inc. -- NMLS#1760 September 2008 - June 2014
Residential Mortgage Services, Inc. -- NMLS#1760 April 2006 - September 2008
College Solutions June 2002 - May 2005
Apartment Locator, LLC 1994 - 2002
Skills
Customer Service, Human Resources, Training, Account Management, Microsoft Excel, Coaching, Team Building, Outlook, Small Business, Microsoft Office, Microsoft Word, Employee Benefits, Payroll Processing, Benefits Administration, Compensation & Benefits, Payroll, Onboarding, ADP Payroll, Interviews
Education
Maine College of Art 1999 — 2000
Photography
University of Southern Maine
Business
Residential Mortgage Services, Inc. February 2013 - Present
Wells Fargo Home Mortgage April 2008 - February 2013
Indymac Bank April 2007 - April 2008
Countrywide Home Loans January 2004 - April 2007
Skills
VA, FHA, Residential Mortgages, First Time Home Buyers, New Construction, Construction, Refinance, Loans, Loan Origination, Mortgage Banking, Credit, Investment Properties, VA loans, Credit Analysis, Government Loans, FHA financing, USDA, FHA Financing
Education
University of Massachusetts, Amherst 1997 — 2002
BA, Finance
Consumer Real Estate July 2013 - Present
Residential Mortgage Services, Inc. October 2012 - June 2013
Skills
Mortgage Lending, USDA, FHA, Loans, VA loans, Refinance, Mortgage Banking, Residential Mortgages, Loan Origination, FHA financing, Real Estate, Foreclosures, Short Sales, Credit, Credit Risk, Credit Analysis, Mortgage Underwriting, Real Estate Financing, VA Loans, USDA Rural Housing
Education
Liberty University
University of Maine
Prospect Mortgage, LLC July 2012 - Present
Residential Mortgage Services, Inc. January 2010 - June 2012
Skills
Branches, Direct Sales, Existing Clients, Outside Sales, FHA, Mortgage Banking, USDA, Refinance, Mortgage Lending, HUD, Residential Homes, Commercial Lending, Government Loans, Investments, Relocation, Mortgage Marketing, Loans, VA loans, Certified Mortgage..., Real Estate Financing, Real Estate Transactions, Loan Origination, Short Sales, Single Family Homes, Selling, Sales, Sellers, Sales Management, Mortgage Underwriting, FHA financing, Referrals, Construction Loans, Condos, Investment Properties, Banking, Residential Mortgages, REO, Cold Calling, Credit, Consumer Lending, Real Estate, First Time Home Buyers, Home Equity Loans, New Home Sales, Foreclosures, Underwriting, Negotiation, Reverse Mortgages, Credit Analysis, Finance
Education
University of South Alabama 1978 — 1981
Village Mortgage Company October 2014 - Present
The John Maxwell Company March 2011 - Present
Building Healthy Families 501(c)3 2010 - October 2014
Residential Mortgage Services, Inc. January 2012 - September 2014
Primary Residential Mortgage, Inc. January 2004 - January 2012
John Maxwell Team Founder's Circle 2011 - 2011
Image Carpets 1997 - 1998
Skills
Business Coaching, Public Speaking, Communication Training, Sales Management, Sales Operations, Team Leadership, Business Planning, Priority Management, Strategic Vision, Mortgage Lending, Team Building, Coaching, Employee Training, Executive Coaching, FHA, First Time Home Buyers, Leadership Development, Loans, Management, Motivational Speaking, Residential Homes, Training
Education
Olivet Nazarene University 1989 — 1993
BS, Personnel Psychology
Embrace Home Loans October 2014 - Present
Primary Residential Mortgage June 2014 - September 2014
Residential Mortgage Services, Inc. March 2013 - June 2014
Dirvirsified Capital Corporation March 2008 - June 2014
Embrace Home Loans,Inc November 2010 - March 2013
Marc Walz Financial Services NMLS#5826 June 2006 - November 2010
First Horizon National Corporation November 2004 - November 2006
Advanced Financial Services March 1998 - November 2004
Skills
Mortgage Lending, FHA, Loans, Investments, Consumer Lending, Underwriting, Short Sales, Reverse Mortgages, Finance, Commercial Lending, Loan Origination, First Time Home Buyers, Construction Loans, Strategic Financial..., Sales, Leadership, Banking, Home Equity Loans, Investors, Real Estate Transactions, Residential Homes, Debt Consolidation, Mortgage Underwriting, Real Estate Economics, Government Loans, Commercial Real Estate, REO, HUD, Vocabulary, Small Business Lending, Residential Mortgages, USDA, Credit, Investment Properties, Real Estate, Commercial Mortgages, Refinance, Mortgage Banking, VA loans, Certified Mortgage..., Real Estate Financing, Credit Analysis, Referrals, FHA financing, Mortgage Marketing, Property, Condos, Single Family Homes, Financial Risk, Cross Selling
Education
University of South Florida 1981 — 1983
Business Administration
TD July 2015 - Present
RBS Citizens Financial Group March 2014 - December 2014
Wells Fargo Home Mortgage August 2011 - March 2014
Evolve Bank and Trust July 2010 - July 2011
Residential Mortgage Services, Inc. June 2009 - June 2010
Mortgage Partners, Inc April 2000 - May 2009
Skills
Mortgage Banking, Mortgage Lending, USDA, Refinance, VA loans, FHA, Loan Origination, Residential Mortgages, Loans, FHA financing, Credit, Government Loans, First Time Home Buyers, Residential Homes, Construction Loans, Reverse Mortgages, Certified Mortgage..., Mortgage Underwriting, Real Estate Financing, Home Equity Lines of..., Home Equity Loans, Non-Conforming, Mortgage Marketing, Commercial Mortgages, Mortgage Servicing, Credit Analysis, Commercial Lending, Consumer Lending, Loan Servicing, Loss Mitigation, Small Business Lending, Lines Of Credit, Rates, FHA Financing, VA Loans
Education
Salem State College 1986 — 1990
Bachelor of Business Administration (BBA), Accounting and Finance
Austin Prep 1978 — 1982
Bachelor of Science (BS), Finance, General
Connecticut Housing Finance Authority August 2014 - Present
FIRST WORLD MORTGAGE September 2012 - August 2014
Residential Mortgage Services, Inc. July 2011 - September 2012
Residential Mortgage Services, Inc. October 2010 - March 2011
GMAC Mortgage December 2007 - March 2010
Opteum Financial Services May 2001 - July 2007
Fairbank Mortgage November 1992 - May 2001
Skills
USDA, Mortgage Banking, Mortgage Lending, FHA, Residential Mortgages, Banking, Credit, Credit Analysis, Credit Risk, FHA financing, First Time Home Buyers, Government Loans, Loan Origination, Loans, Mortgage Underwriting, Non-Conforming, Refinance, Underwriting
Education
Central Connecticut State University 1987 — 1991
BS, Management
Enrico Fermi High School 1984 — 1987
Residential Mortgage Services, Inc. April 2012 - Present
Citizens Bank March 2011 - March 2012
First Horizon Home Loans February 2002 - April 2005
North American Mortgage April 1997 - January 2002
Eastern Bank February 1991 - March 1997
Fleet Bank January 1988 - January 1991
Skills
Finance, USDA, Mortgage Banking, Loan Origination, FHA, Refinance, Mortgage Lending, Reverse Mortgages, Residential Mortgages, Mortgage Underwriting, Loans, Commercial Lending, Consumer Lending, VA loans, FHA financing, Construction Loans, Credit Analysis, Credit, Underwriting, Banking, First Time Home Buyers, Government Loans, Investment Properties, Condos, Investors, Loan Servicing, Real Estate, Real Estate Transactions, Referrals
Education
University of Rhode Island 1976 — 1983
BA, Marine Enviromental Policy/ American History
Block Island School 1970 — 1976
Land Home Financial Services, Inc. August 2015 - Present
Residential Mortgage Services, Inc. August 2014 - August 2015
Citizens Bank September 2012 - April 2014
Tidewater Mortgage Services, Inc July 2012 - October 2012
Core Settlement Services June 2010 - September 2011
Guaranteed Mortgage Company May 2000 - June 2010
Beneficial Management March 1989 - May 2000
Skills
FHA, Mortgage Lending, New Business Development, Leadership, Budgets, Business Development, Loans, Management, Loan Origination, Negotiation, Sales Management, Marketing, Sales
Education
Elizabethtown College 1984 — 1988
BA, Political Science
Keller Williams Realty July 2011 - Present
Residential Mortgage Services, Inc. December 2012 - November 2014
Moore-Tuttle & Co. Realty September 2007 - August 2011
Coldwell Banker residential brokerage September 2005 - September 2007
Skills
Sellers, Listings, First Time Home Buyers, Buyer Representation, Investment Properties, New Home Sales, Condos, Short Sales, Relocation, Single Family Homes, Move Up Buyers, Notary Public,..., Trained Moderator for..., Corporate Training, Some technical writing, Encompass Mortgage..., Medical Software..., Office, Excel,..., Buyers, Commercial Real Estate, Foreclosures, ABR, Leases, Loans, Loss Mitigation, Property, Real Estate, Real Estate Development, Real Estate Economics, Referrals, Residential Homes, Investors, Property Management, Real Estate Transactions, Real Property, Refinance
Education
Bentley College 1993 — 1995
Certificate, Accounting & Bookkeeping Assistant
University of Massachusetts at Lowell 1979 — 1984
Bachelor, Music in Education
Residential Mortgage Services, Inc. -- NMLS#1760 February 2015 - Present
KerrMez Development LLC September 2013 - Present
Coldwell Banker Residential Brokerage, Saco Maine August 2014 - Present
Mezoian Development LLC September 2009 - Present
Residential Mortgage Services, Inc. June 2013 - February 2015
Captain's Galley Seafood Restaurant June 2004 - June 2014
Saco & Biddeford Savings Institution May 2012 - August 2012
Skills
Microsoft Word, Customer Service, Microsoft Excel, PowerPoint, Microsoft Office, English, Research, Windows, Outlook, Photoshop, Teaching, Public Speaking, Budgets, Strategic Planning, Editing, General Contracting, Real Estate Transactions, Residential Homes, General Ledger..., Account Management, Financial Accounting, Accounts Payable &...
Education
Providence College 2009 — 2013
Bachelor of Science (BS), Accounting, 3.1
Providence College 2009 — 2013
Bachelor of Science (BS), Accounting
Residential Mortgage Services, Inc. April 2012 - Present
Citizens Bank October 2011 - April 2012
Bank of America Home Loans/Countrywide Home Loans November 2002 - September 2011
Countrywide Home Loans 2002 - 2011
Fleet mortgage 1997 - 2002
Alperts Furniture September 1996 - October 1998
Garber Travel September 1990 - September 1996
American Airlines July 1988 - September 1990
Old Stone Bank October 1981 - September 1987
Skills
Loan Origination, Mortgage Banking, FHA financing, FHA, VA loans, Refinance, Loans, Underwriting, Mortgage Underwriting, Credit, Non-Conforming, Banking, Mortgage Lending, USDA, Residential Mortgages
Education
Johnson and Wales University 2007 — 2010
Associate of Science (A.S.), Web Design
New England Institute of Technology 1998 — 2000
Associates Degree, Computer and Network Servicing Technology
Katherine Gibbs 1988 — 1989
Certificate, Travel & Tourism
Warren High School 1978 — 1981
Diploma, Business
Baker College Center for Graduate Studies
Mass Realty Properties November 2014 - Present
Salem Five Bank November 2013 - Present
Prudential Real Estate January 2013 - December 2014
Residential Mortgage Services, Inc. December 2011 - November 2013
Bank of America Home Loans July 2009 - December 2011
JPMorgan Chase & Company February 1990 - July 2009
Skills
RESIDENTIAL REAL ESTATE, COMMERCIAL REAL ESTATE, INVESTMENT & RENTAL..., CONDOMINIUM CONVERSIONS, 1031 TAX DEFERRED..., MULTI FAMILY PROPERTIES, RESIDENTIAL &..., RESIDENTIAL &..., Construction Loans, Credit Analysis, Loan Origination, Mortgage Lending, Multi-family Investment..., Portfolio Management, Term Loan, Social Housing, Refinance, Residential Homes
Education
University of Massachusetts, Amherst 1983 — 1987
Bachelor of Business Administration (BBA), Finance and Economics
Honeywell Information Systems, Inc. Financial Management Program 1987 — 1989
Corporate Finance/Business Development
Primary Residential Mortgage January 2014 - Present
Residential Mortgage Services, Inc. August 2012 - January 2014
Guaranteed Rate April 2009 - August 2012
First Financial Mortgage March 2008 - April 2009
First Call Mortgage December 2006 - January 2008
Radiant Mortgage July 2006 - January 2007
Countrywide Home Loans December 2003 - August 2006
First Horizon Home Loans February 2003 - December 2003
Skills
FHA, First Time Home Buyers, Refinance, USDA, Loans, Mortgage Lending, Real Estate, Government Loans, Reverse Mortgages, Construction Loans, Residential Homes, Real Estate Transactions, Finance, Condos, Residential Mortgages, Commercial Real Estate, Credit, FHA financing, Investment Properties, Loan Origination, VA loans, Certified Mortgage..., Non-Conforming, Small Business Lending, Vacation Homes, Move Up Buyers, Relocation, Single Family Homes, Debt Consolidation, HUD, Consumer Lending, Mortgage Servicing, Rates, REO, Credit Analysis, Mortgage Marketing, Commercial Mortgages, Commercial Lending, Mortgage Underwriting, Mortgage Banking, Funding, Real Estate Financing, Home Equity Lines of..., Home Equity Loans, Underwriting, Real Estate Economics, Short Sales, VA Loans
Education
Mount Washington College 1991 — 1993
Associates, Business Administration/Management
manchester high school west
Unum January 2014 - Present
Residential Mortgage Services, Inc. March 2013 - September 2013
Self-employed May 2012 - February 2013
Olympus Asset Management February 2007 - May 2012
Skills
Real Estate, Foreclosures, Residential Homes, Investment Properties, Short Sales, REO, Sellers, Real Estate Transactions, First Time Home Buyers, Relocation, Property Management, Investors, Single Family Homes, Condos, Selling, Contract Negotiation, Customer Service, Referrals, Property, Negotiation, HUD, Refinance, Mortgage Lending, FHA, Real Estate Financing
Education
Kaplan University-Maine Campus
Associate's degree, Accounting
Residential Mortgage Services, Inc. March 2013 - Present
Wells Fargo Home Mortgage March 2008 - March 2013
Credit Education Marketing & Promotions, LLC August 2002 - December 2007
Skills
Mortgage Lending, First Time Home Buyers, Real Estate, FHA, Residential Mortgages, VA loans, Refinance, Loan Origination, Mortgage Banking, FHA financing, USDA, Government Loans, Construction Loans, Certified Mortgage..., Reverse Mortgages, Non-Conforming, Loans, Residential Homes, Credit, Home Equity Loans, Investors, Home Equity, Customer Satisfaction, Home Equity Lines of..., Sellers, Real Estate Financing, FHA Financing, Real Estate Transactions, Investments, VA Loans, New Home Sales, Single Family Homes, REO, Relocation, Foreclosures, Investment Properties, Credit Analysis, Rates
Education
University of Nebraska-Lincoln
Farmington Bank May 2015 - Present
Residential Mortgage Services, Inc. September 2013 - May 2015
Wells Fargo Home Mortgage July 2007 - October 2013
Sovereign Bank January 2003 - July 2007
Ceridian Corporation January 2000 - November 2002
HomeVest Mortgage August 1998 - January 2000
Skills
VA, FHA, Mortgage, Conventional, Residential, USDA, Refinance, Mortgage Lending, First Time Home Buyers, VA loans, Residential Homes, Sellers, Real Estate, Government Loans, Loans, Underwriting, Banking, FHA financing, Residential Mortgages, Mortgage Banking, Referrals, Reverse Mortgages, Loan Origination, Certified Mortgage..., Construction Loans, Finance, Mortgage Underwriting, VA Loans, FHA Financing
Education
Stonehill College 1987 — 1992
BS, Business Administration - Finance
Wells Fargo Home Mortgage September 2011 - Present
Residential Mortgage Services, Inc. January 1990 - December 2008
Wells Fargo Private Mortgage Banking February 2000 - May 2006
Diablo Funding Blackhawk March 2005 - August 2005
Skills
Mortgage Lending
Education
University of Minnesota-Morris 1968 — 1969
English
Minneapolis North High 1965 — 1968
Graduated, English
Plaza Home Mortgage June 2014 - Present
PRMG December 2013 - June 2014
Residential Mortgage Services, Inc. September 2012 - November 2013
Omega Mortgage, A division of Lowell Bank April 2012 - September 2012
MetLife Home Loans December 2010 - May 2012
American Home Bank February 2010 - November 2010
Sidus Financial August 2008 - January 2010
National City Bank June 1998 - August 2008
Skills
Mortgage Lending, FHA, Conventional, Conforming, VA, Mortgage Banking, USDA, Loan Origination, VA loans, Residential Mortgages, FHA financing, Loans, Refinance, Mortgage Underwriting, Reverse Mortgages, Underwriting, Credit, Construction Loans, Government Loans, VA Loans
Education
University of New Hampshire 1991 — 1995
Bs, Business Administration
University of New Hampshire
People's United Bank September 2014 - Present
State of New Hampshire December 2013 - September 2014
Primary Residential Mortgage April 2013 - September 2013
Residential Mortgage Services, Inc. May 2012 - March 2013
Merrimack County Savings Bank April 2009 - May 2012
HSBC July 1989 - April 2009
Manchester Municipal Employees Credit Union September 1988 - July 1989
Skills
Microsoft Office, Microsoft Excel, Microsoft Word, Dexma, Prime Alliance, MorVision, FNMA-DU/FHLMC, Encompass, Mortgage Lending, FHA, Loans, Finance, Sales, Credit, Sales Management, Consumer Lending, Loan Origination, Mortgage Banking, Government Loans, Banking
Education
Saint Anselm College
Bachelor of Arts (B.A.), English
Residential Mortgage Services, Inc. October 2011 - Present
First Eastern Mortgage April 2009 - October 2011
CitiMortgage October 2007 - September 2008
Skills
Mortgage Lending, Refinance, FHA, VA loans, Loans, First Time Home Buyers, Underwriting, Finance, Condos, Financial Services, Marketing, Mortgage Banking, Loan Origination, Residential Mortgages, FHA financing, USDA, Construction Loans, Rates, Real Estate, Government Loans, Sales Management, Credit, Strategy, Reverse Mortgages, VA Loans, Investment Properties
Education
University of Massachusetts Boston 2000 — 2004
Bachelor, Economics, Political Science
Arlington Catholic HS 1994 — 1998
Residential Mortgage Services, Inc. January 2012 - Present
Bank of America 2006 - 2011
Wells Fargo Home Mortgage 2003 - 2006
Education
Boston University 1997 — 2001
Bachelor's degree
Residential Mortgage Services, Inc. September 2011 - Present
Bank of America February 2011 - September 2011
North Easton Savings Bank May 2009 - February 2011
Essex Properties May 2008 - May 2009
Equity One Inc 1992 - 2006
Skills
Mortgage Banking, Residential Mortgages, Mortgage Lending, Refinance, Loans, USDA, Loan Origination, VA loans, Credit, FHA financing, Government Loans, Credit Analysis, Banking, Encompass, USDA Rural Housing, FHLMC, Home Equity Loans, Home Equity Lines of..., FNMA, 203K, First Time Home Buyers, FHA, Mortgage Underwriting, Reverse Mortgages, Construction Loans
Education
University of Rhode Island
BS, Child Development/Human Relations
Residential Mortgage Services, Inc. April 2014 - Present
BioDiversity Research Institute October 2010 - April 2014
InterCoast Career Institute March 2010 - July 2010
Manpower May 2005 - March 2009
Skills
ADP Payroll, Employee Benefits, Benefits Administration, Retirement Benefits, Multi-state Payroll..., QuickBooks, Annual Reports, Donor Management, Office Management, Office Administration, Microsoft Office, Adobe Creative Suite, Recruiting, Payroll, Human Resources
Education
Southern New Hampshire University 1994 — 1998
BS, Business Management/Marketing
Residential Mortgage Services, Inc. October 2010 - Present
Skills
Credit, Mortgage Lending, Mortgage Banking, Banking, Loans, FHA, Refinance, USDA, VA loans, Consumer Lending, First Time Home Buyers, Loan Origination, Investment Properties, Real Estate
Education
Newbury College
Associate's degree, Paralegal
Residential Mortgage Services, Inc. August 2011 - Present
MetLife Home Loans October 2005 - August 2011
Skills
Special Projects, One-time-Close/Construct..., New York/SEMA Specialist
Education
Community College of Rhode Island
Associate's degree, Business
Cranston East High School