Experience
Stearns Lending (NMLS #1854)   October 2014 - Present
Stearns Lending (NMLS #1854)   September 2014 - October 2014
Stearns Lending Inc  November 2012 - September 2014
Wells Fargo Home Mortgage Costa Mesa   December 2011 - November 2012
Wells Fargo Home MortgageIrvine   December 2009 - December 2011
Wells Fargo Home Mortgage   January 2009 - December 2009
Commerce Energy GroupCosta Mesa   October 2007 - January 2009

Skills
Loan Origination, FHA, Relationship Management, Residential Mortgages, RESPA, Training, Quality Assurance, Finance, Loans, Mortgage Lending, Loan Closings, Refinance, Underwriting, Customer Service, VA Loans, Sales Management, Account Management, Call Centers, Customer Retention, Consumer Lending, First Time Home Buyers, Risk Management

Education
Santa Ana College

Santiago High School

Experience
Salesforce.com  March 2013 - Present
Salesforce.com  May 2011 - February 2013
Wells Fargo Home Mortgage   June 2006 - May 2011
EDO-RSS Corporation   June 2004 - July 2007

Skills
Lead Generation, Salesforce.com, SaaS, Enterprise Software, Strategy, Strategic Partnerships, Cloud Computing, Management, Sales, Sales Presentations, Sales Process, Solution Selling, CRM, Direct Sales, Cold Calling

Education
San Jose State University   2003 — 2005
B.S. Business, Marketing

Live Oak High School

Experience
Oh Snap! Booth Co.   2014 - Present
Wells Fargo Home Mortgage   2010 - 2014
Bank of the West  2003 - 2009
California Federal Bank  1993 - 2003

Skills
Banking, Management reporting, Operations Management, Analytics, Microsoft Excel, Databases, Requirements Analysis, Business Analysis, Customer Service, Program Management, Finance, Budgets, Analysis, Financial Analysis, Retail Banking, Loans, Credit, Mergers, Outlook

Education
San Francisco State University
Bachelor of Arts (B.A.)

Experience
PrimeLending  December 2014 - Present
HomeServices of America  August 2013 - November 2014
Granada Construction and Development INC   November 2011 - August 2013
Wells Fargo Home Mortgage   April 2007 - January 2011

Skills
Real Estate Sales..., Licensed to sell Real..., Mortgage Lending, FHA financing, Short Sales, Reverse Mortgages, Jumbo Mortgage, Government Loans, Analysis, Loans, Mortgage Banking, Customer Service, Lead Generation, Banking, Financial Services, Foreclosures, FHA Financing, Investment Properties, Finance, Real Estate, Credit, Sales, First Time Home Buyers, REO

Education
San Jose State University
Bachelor of Arts in Business, International Business, Finance, Spanish, Latin American History, Sociology

Experience
Selene Finance LP  July 2012 - Present
Wells Fargo Home Mortgage   December 2011 - July 2012
Citibank Texas, N.A.   March 2008 - December 2011
GreenPoint Mortgage  December 2006 - October 2007
Litton Loan Servicing, LP  March 2004 - October 2006
TeleCheck  2001 - 2003

Skills
Mortgage Lending, Loss Mitigation, Refinance, Commercial Lending, Short Sales, Foreclosures, Home Equity Loans, Small Business, Retail Banking, Mortgage Banking, Credit, Loan Origination, Residential Mortgages, FHA, Loan Servicing, Mortgage Servicing, Portfolio Management, Credit Analysis, Consumer Lending, Retail, Referrals, Sales, Finance, Financial Analysis, Commercial Mortgages, Commercial Banking, VA loans, Relationship Management, Small Business Lending, Customer Service, Financial Services, Cross Selling, FHA financing, Insurance, Lines Of Credit, Mortgage Underwriting, Loans, Real Estate, Home Equity Lines of..., Loan Modifications, Investments, Real Estate Financing, Credit Risk, Default, Risk Management, REO, Call Centers, HUD, Banking, Investment Properties

Education
San Jacinto College   1997 — 1999
General Studies

La Porte High School   1992 — 1996
Diploma, High School/Secondary Diplomas and Certificates

Experience
Wells Fargo Home Mortgage   October 2013 - Present
Bank of Manhattan  February 2011 - October 2013
DLJ Financial  August 2010 - February 2011
LOGICAL REALTY   October 2009 - July 2010
New American Funding  August 2008 - July 2009
Flex Point Funding   November 2004 - June 2007
Real Estate Funding Corp & Centre Pointe Mtg   January 2000 - November 2004
Secured Funding Corporation  October 1997 - December 2000

Education
San Diego State University-California State University   1992 — 1996
Bachelor of Science (BS)

Mission Bay High School   1987 — 1990
High School

School of Creative and Performing Arts   1985 — 1986

Experience
Cornerstone Home Lending, Inc.   September 2014 - Present
First Mortgage Company  December 2013 - September 2014
Vectra Bank Colorado  July 2013 - September 2013
Wells Fargo Home Mortgage   December 2010 - July 2013
BHP Billiton  2010 - 2012
ERA Four Corners Real Estate   December 2009 - December 2010
ERA Four Corners Real Estate   December 2009 - December 2010

Skills
Face to Face Selling, Face to Face..., Financial Advisory, Sales Presentations, Mortgage Lending, Refinance, FHA, Real Estate, Retirement Planning, Credit, Insurance, Sales, Sales Management, Negotiation, Property Management, First Time Home Buyers, Investment Properties, Account Management, Finance, New Business Development, Investments, Coaching, Strategic Financial..., Customer Service, Mortgage Banking, Small Business, Residential Mortgages, Residential Homes, Single Family Homes, Loan Origination, Loans

Education
Fort Lewis College   1999 — 2002
Liberal Arts, European History, Junior

San Juan College   1998 — 1999
General Studies, Lideral Arts

Experience
Bank of America  June 2014 - June 2015
Baird & Warner  January 2014 - June 2014
Wintrust Mortgage  September 2012 - December 2013
Bank of America Home Loans  2006 - 2011
Wells Fargo Home Mortgage   2000 - January 2006

Skills
Leadership, Financial Services, Coaching, Motivational Speaking, Problem Solving, Referrals, New Business Development, Sales, Real Estate, Team Building, Negotiation, Mortgage Lending, Mortgage Banking, Loans, Sales Management, Investment Properties, Customer Service, First Time Home Buyers, FHA, Underwriting, Short Sales, Selling, Asset Management, Sellers, Consumer Lending, Debt Consolidation, Asset Managment, VA loans, Budgets, Refinance, Loan Origination, FHA financing, Banking, Mentoring, FHA 203K Loans, Purchase and Re-Finance..., Credit, Residential Mortgages, Construction Loans, Government Loans, Reverse Mortgages, Home Equity Lines of..., Home Equity Loans, Mortgage Underwriting, Credit Analysis

Education
San Jose State University
Bachelor of Science, Business Administration

Barrington High School

Experience
Intuitive Surgical  March 2015 - Present
Wells Fargo Home Mortgage   March 2014 - February 2015
Wells Fargo Home Mortgage   December 2011 - February 2014
Wells Fargo Home Mortgage   September 2010 - December 2011
Home Rev Inc   July 2007 - July 2010

Skills
Analysis, Negotiation, Credit Analysis, FHA, Underwriting, Management, Customer Service, Loans, New Business Development, Finance, Loan Servicing, Sales, Team Building, Loss Mitigation, Mortgage Servicing, Microsoft Office

Education
San Jose State University   2004 — 2007
BA Degree, Communication Studies

Experience
Wells Fargo Home Mortgage   November 2004 - Present
Bank of America  April 2001 - October 2004
Home Savings of America  1996 - 1999
Great Western Bank  June 1986 - August 1994

Skills
FHA, Investment Properties, Refinance, First Time Home Buyers, REO, Jumbo Mortgage, HARP Refinance Program, FHA financing, Real Estate Transactions, Residential Mortgages, Finance, Sales, Listings, Government Loans, VA loans, USDA, Loan Origination, Selling, Loss Mitigation, Mortgage Lending, Loans

Education
San Jose State University   1968 — 1971
BA, Public Relations

Los Angeles High School   1964 — 1967

Experience
Wells Fargo Home Mortgage   July 2014 - Present
Wells Fargo Home Mortgage   July 2014 - Present
Vehcuity   July 2013 - September 2013
San Jose State University  October 2010 - May 2013
Lekah Publishers   May 2011 - April 2013
Associated Students  August 2011 - May 2012
Office Depot  February 2010 - June 2011
Alpha Epsilon Phi  2006 - 2007

Skills
Organizational..., Strategic Planning, Data Analysis, Public Speaking, Event Planning, Editing, Nonprofits, Program Development, Social Networking, Social Media, Higher Education, Research, Grant Writing, Community Outreach, Fundraising

Education
San Jose State University   2010 — 2014
Masters of Fine Arts, Creative Writing

University of Iowa   2006 — 2010
Bachelors, English and Anthropology

Experience
Wells Fargo Home Mortgage   November 2011 - Present
WFB  February 2011 - November 2011
Wells Fargo  October 2010 - January 2011
Wells Fargo  July 2010 - October 2010
Wells Fargo  January 2007 - July 2010
Bank of America  2000 - 2005

Skills
Real Estate, Mortgage Lending, Banking, Finance, CRM, Commercial Lending, Loans, Sales Management, Sales, Commercial Banking, Portfolio Management, Management, Loan Origination, Mortgage Banking

Education
University of Phoenix   2012 — 2014
Master's degree, Public Administration

San Jose State University   1998 — 2001
Bachelor of Business Administration (B.B.A.), Marketing

Experience
Sixty-Six Shooter Productions   January 2013 - Present
Bank of America  February 2006 - April 2013
Wells Fargo Home Mortgage   December 2003 - February 2006

Skills
Creative Writing, Policy Analysis, Financial Regulation, Banking, Consumer Lending, Lines Of Credit, Mortgage Servicing, Private Banking, Mortgage Banking, Deposits, Loans, Retail Banking, Cross Selling, Customer Service, Finance, Microsoft Office, Short Films, Writing, Social Media, Public Speaking, Project Management, Financial Analysis

Education
San Jose State University   2004 — 2006
Bachelor of Science (BS), Criminal Justice and Corrections

The Kings Academy

Experience
Wells Fargo Home Mortgage   February 2012 - Present
Wells Fargo Home Mortgage   February 2012 - Present
MetLife Home Loans  June 2011 - January 2012
Bank of America Home Loans  January 2007 - June 2011

Education
San Jose State University
Physical Education

Experience
Citibank  May 2007 - Present
GMAC Mortgage  May 2006 - January 2007
Wells Fargo Home Mortgage   April 2005 - May 2006

Education
San Jose State University   1996 — 2004
Computer Engineering/Business

Experience
Opes Advisors  August 2011 - Present
Bank of America Home Loans  March 2010 - July 2011
Wells Fargo Home Mortgage   March 2008 - March 2010
Washington Mutual Savings Bank  1986 - 2008

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

Education
San Jose State University
Bachelor's Degree

Experience
Everbank Home Loans   September 2012 - Present
Wells Fargo Home Mortgage   August 2009 - September 2012
Chase Capital Mortgage & Realty Services, Inc.   September 1992 - August 2009

Skills
FHA, Mortgage Lending, Loans, Mortgage Banking, Residential Mortgages, First Time Home Buyers, Investment Properties, Certified Mortgage..., Construction Loans, Loan Origination, VA loans, Real Estate, Refinance, USDA, Consumer Lending, Investments, FHA financing, Reverse Mortgages, Government Loans, Investors, REO, FHA Financing, VA Loans

Education
San Francisco State University, College of Business
BS, Business / International Business

Experience
Wells Fargo Home Mortgage   December 2011 - Present

Skills
Customer Service

Education
San Jose State University   2003 — 2011

Experience
Wells Fargo Home Mortgage   October 2012 - Present
Avtex Solutions, LLC  April 2008 - December 2011
Onvoy, Inc  May 2002 - January 2008
Qwest Communications  October 1991 - May 2002

Skills
VoIP, Unified Communications, Vendor Management, Telecommunications, Change Management, Call Center, Account Management, Visio, MS Project, Software Project..., Project Planning, SharePoint

Education
San Jose State University
Business Administration and Management, General

Experience
Ahava and Associates, Inc.   June 1989 - Present
Wells Fargo Home Mortgage   November 2000 - June 2003
The People's Network {TPN}   1996 - 1998
GCS Marketing Group   1989 - 1993
Nu Skin Enterprises  1989 - 1993
Financial Savings   July 1986 - September 1989
Directors Mortgage  1984 - 1986

Skills
Marketing, Personal Development, Coaching, Mortgage Lending, Loans, Team Building, Business Development, Direct Sales, Management, Small Business, PowerPoint, Strategic Planning, Training, Customer Service, Selling, Direct Marketing, Public Speaking, Social Media Marketing, Leadership, Retail, Social Networking, Online Advertising, Entrepreneurship, Sales, Time Management, Team Leadership, Negotiation, Strategy, Security, New Business Development, Sales Management, Online Marketing, Customer Retention, Marketing Strategy, Leadership Development, Start-ups, Account Management, Business Planning, Lead Generation, Budgets, Fundraising

Education
San Diego State University-California State University   1975 — 1978
BS, CJA

San Diego State University-California State University

Experience
Santa Fe Public Schools  March 2015 - Present
Performance Solutions  April 2004 - Present
Las Positas College  2004 - Present
Esurance, Inc.   May 2008 - September 2012
UC Berkeley, SF State Extension, Las Positas College   September 1989 - June 2008
Wells Fargo Home Mortgage   September 2005 - May 2008
Prosperity Mortgage  March 2007 - January 2008
Wells Fargo Bank  May 2004 - July 2005
Fremont Bank  March 2003 - December 2003
E-Loan, Inc  May 1999 - March 2003

Skills
Team Building, Coaching, Workforce Planning, Instructional Design, Mortgage Lending, Leadership Development, Process Improvement, Policy, Training, Leadership, Program Management, Organizational..., Workshop Facilitation, Strategic Planning, Employee Training, Public Speaking, Sales Management, Executive Management, Management, Teaching, Sales, Community Outreach, Customer Service, Succession Planning, Research, Interviews, Adult Education, Executive Coaching, Personnel Management, E-Learning, Human Resources, Marketing, Time Management, Personal Development, Communication Skills, Career Development, Staff Development, CRM, Organizational..., Recruiting, Management Development, MBTI, Career Counseling, Change Management, Performance Management, Resume Writing, Performance Improvement, Blended Learning, Performance Consulting, Conflict Resolution

Education
University of California, Berkeley   1977 — 1979
Doctoral Candidate, Higher Education, Administration and Public Policy

San Francisco State University   1969 — 1973
MA, Education

San Francisco State University   1960 — 1963
BA, Sociology, Physical Education

Adjunct Professor, Las Positas College

Experience
AltaSea at the Port of Los Angeles   March 2015 - Present
Citibank  May 2014 - February 2015
Citibank  March 2010 - May 2014
Wachovia Bank  July 2008 - February 2010
Wells Fargo Home Mortgage   April 2007 - May 2008
Wells Fargo  May 2002 - May 2007

Skills
Series 6, Series 63, Mortgage Lending, Sales Management, Loans, Mortgage, Investments, Credit, Asset

Education
San Diego State University-California State University   1998 — 2003
Bachelor of Arts, International Business, Emphasis in Finance, Spanish and Western European culture

Universidad de Valladolid   2001 — 2002
International Business

Experience
PrimeLending  June 2015 - Present
Wells Fargo Home Mortgage   July 2014 - June 2015
AES Lending  January 2011 - July 2014
Navy Federal Credit Union  June 2007 - January 2009

Skills
Mortgage Banking, Residential Mortgages, Refinance, First Time Home Buyers, Credit, Mortgage Lending, VA Loans, FHA Financing, Sales, Jumbos, New Home Construction, Mortgage Underwriting, Construction Loans, USDA Rural Housing, Marketing, Recruiting, Government Loans, Home Equity Loans, Veterans, Mortgage Industry, Home Equity Lines of..., Retail Banking, Commerical Transactions, Renovation, Leadership, FHA, Mortgage Marketing, Sales Management, Loan Origination, Financial Services, New Home Purchase

Education
Sandhills Community College   1998 — 2000
Business and Personal/Financial Services

Experience
San Jose Unified School District  August 2015 - Present
Valley Title Company   1990 - 1994
Wells Fargo Home Mortgage   1987 - 1990

Skills
Curriculum Design, Curriculum Development, Educational Leadership, Public Speaking, Classroom, Lesson Planning, Tutoring, Staff Development, Educational Technology, Classroom Management

Education
San Jose State University   1981 — 1986
Bachelor's degree, Finance, General

Experience
Department of Veterans Affairs  January 2014 - Present
U.S. Department of Labor   May 2009 - June 2013
U.S. Office of Personnel Management (OPM)   January 2008 - May 2009
Wells Fargo Home Mortgage   2004 - 2007

Education
San Francisco State University   1993 — 2000

Northgate High School   1991 — 1993

YV

Experience
Shea Homes  April 2014 - February 2015
Lewis Operating Corp.  February 2011 - April 2014
Wells Fargo Home Mortgage   July 2009 - January 2011
BC Tarps Repair Service   November 2003 - January 2011
TDL & Associates   September 2006 - October 2007

Skills
Data Entry, Outlook, Contract Management, Purchasing, Customer Service, Microsoft Excel, Real Estate, Telephone Skills, Microsoft Word, PowerPoint, Fax, Supply Management, Sales, Accounting, Filing, Microsoft Publisher, Invoice Processing, Office Management, Call Centers, Process Scheduler, Budgets, Contract Negotiation, Microsoft Office, Negotiation

Education
University of Phoenix   2008 — 2012
Bachelor of Business Administration (B.B.A.), Business Administration and Management, General

San Joaquin Valley College-Rancho Cucamonga   2005 — 2007
Associate of Science (A.S.)

Experience
Wells Fargo Home Mortgage   June 2015 - Present
Technology Credit Union  July 2014 - June 2015
Technology Credit Union  November 2012 - July 2014
Technology Credit Union  January 2011 - November 2012
Alliance Credit Union  June 2006 - January 2011

Skills
Consumer Lending, Banking, Loans, Credit, Credit Analysis, Commercial Lending, Finance, Cross Selling, Notary Public, Retail Banking, Customer Service, Mortgage Lending, Credit Unions, Sales, Deposits, Business Development, Insurance, Cash Management, Financial Analysis

Education
San Francisco State University   2005 — 2007
Bachelor of Arts (B.A.), Broadcast Electronic Communication Arts

Experience
Wells Fargo Home Mortgage   January 2014 - Present
Wells Fargo  December 2011 - December 2013

Skills
Finance, Microsoft Word, Customer Service, Accounting, Microsoft Office, Investments, Sales, Loans

Education
San Jose State University   2007 — 2013
Bachelor of Business Administration (BBA), Finance, General, 3.1/4.0

Experience
loanDepot  January 2012 - Present
Wells Fargo Home Mortgage   March 2008 - January 2012
Extra Mile Appraisals   October 2003 - March 2008

Skills
Residential Mortgages, Mortgage Banking, Mortgage Lending, Mortgage Marketing, Foreclosures, Customer Service, Loan Servicing, Loan Origination, Loan Officers, Government Loans, VA loans, Bankruptcy, VA Loans

Education
San Jose State University   1998 — 2003
Bachelor of Science (BS), Administration of Justice

Gardena High School   1995 — 1998

Experience
Elsevier  October 2011 - Present
Elsevier  May 2011 - October 2011
Elsevier  September 2010 - May 2011
Elsevier  April 2006 - September 2010
University of Phoenix  2007 - 2007
Wells Fargo Home Mortgage   March 2004 - February 2005

Skills
Microsoft Excel, Software Documentation, Research, Publishing, Academic Publishing, Photoshop, Online Publishing, Excel, Training Coordination, Project Coordination, Books, Data Integrity, Content Management, Employee Training, Publications, Training, Editing, Copy Editing, Writing, Editorial, Content Development

Education
University of Phoenix   2004 — 2007
MAEd, Education

San Francisco State University   1996 — 2000
BA, Drama and English Lit

Experience
Wells Fargo Home Mortgage   April 2013 - Present
Nordstrom  December 2010 - March 2012
Westfield  2010 - 2011
Domino's Pizza  June 2007 - September 2007
Whole Foods  June 2006 - September 2006
Abercrombie and Fitch  June 2005 - September 2005

Skills
Product Development, Customer Relations, Visual Merchandising, Retail, Cashiering, Management, Social Media, Advertising, Fashion, Inventory Management, Microsoft Word, Market Research, Facebook, Time Management, Mac, Brand Development, Sales, Sales Growth, Customer Satisfaction, Globalization, Global Marketing, Global Events, Sports, Sportswear, Sports History, Marketing, Customer Service, Social Networking, Social Media Marketing, Microsoft Excel, Residential Mortgages, Mortgage Lending, Banking, Mortgage Banking, Loan Origination, FHA financing, Conventional loans, Leadership, Loans

Education
University of California, Santa Barbara   2008 — 2010
B.A, Global Studies

Santa Barbara City College   2005 — 2008
Associate Degree, Global Studies

Beverly Hills High school   2001 — 2005

Experience
Home  March 2011 - Present
Bank of America  2010 - Present
Security One Lending  April 2007 - October 2009
Wells Fargo Home Mortgage   1995 - 2007

Education
Santa Ana College   1960 — 1962

Experience
Cadence Aerospace Arden Operations   October 2006 - Present
Home 123 Mortgage  December 2005 - October 2006
Wells Fargo Home Mortgage   December 2004 - December 2005
Siren  February 2003 - December 2004

Skills
Customer Service, Finance, Sales, Marketing, Management, Manufacturing, Operations Management, Process Improvement, Program Management, Microsoft Excel, Project Planning, Supply Chain Management, Engineering, Continuous Improvement, Team Building, Six Sigma, Lean Manufacturing

Education
Santa Ana College   2007 — 2009
Engineering, Manufacturing

University of California, Los Angeles   2004 — 2005
Bachelor's, Business

Experience
Experian Marketing Services  October 2011 - Present
Experian Marketing Services  August 2010 - October 2011
Wells Fargo Home Mortgage   February 2008 - July 2010
Acxiom Digital  June 2007 - February 2008
Snapfish  June 2006 - June 2007
AAA NCNU  2001 - 2006
Goodby, Silverstein and Partners  May 1999 - February 2001
Anderson & Lembke  September 1996 - May 1999

Skills
Leadership, Email Marketing, Online Marketing, Interactive Marketing, Digital Marketing, Strategy, Marketing, Team Leadership, Management, Segmentation, Online Advertising, Cross-functional Team..., Advertising, Lead Generation, Account Management, Multi-channel Marketing

Education
San Francisco State University
BS

Experience
Peninsula West   April 2011 - Present
CAMPBELL AVENUE ASSOCIATES   June 2007 - January 2011
Campbell Avenue Associates   2007 - 2008
Countrywide Home Loans  January 2005 - May 2007
Countrywide Home Loans  January 2005 - May 2007
Countrywide Home Loans  January 2005 - May 2007
Wells Fargo Home Mortgage   December 2003 - January 2005
CITY OF SAN JOSE DEPT OF TRANSPORTATION   November 2002 - October 2003
Wells Fargo Bank  September 1998 - January 2002
Del Mar High School Girl's   December 2000 - March 2001

Skills
Loans, Budgets, Access, Management, Real Estate, Customer Service, Mortgage Lending, Training

Education
San Jose State University   2000 — 2002

Allied Real Estate School

Kaplan University
MBA, Finance

San Jose State University
BA, SOCIOLOGY; CRIMINOLOGY

Experience
Wells Fargo Home Mortgage   April 2015 - Present
Wells Fargo Bank  2003 - 2014
First Consumers National Bank  2000 - 2003

Skills
Credit Analysis, Banking, Credit, Risk Management, Customer Service, Microsoft Word, Portfolio Management, Vendor Management, Microsoft Excel, Loans, Credit Risk, Credit Cards, Mortgage Lending, Retail Banking

Education
San Francisco State University   1990 — 1996

Experience
Wells Fargo Home Mortgage   July 2012 - Present
DH Mediation   January 2012 - June 2012
Robinson  January 2006 - December 2011

Skills
Legal Research, Legal Writing, Litigation, Courts, Civil Litigation, Lexis, Commercial Litigation, Legal Assistance, Employment Law, Legal Documents, Mediation, Corporate Law, Document Review, Outlook

Education
San Francisco State University
Bachelor of Business Administration (BBA), Marketing

Experience
Open Mortgage, LLC  December 2014 - Present
360 Mortgage Group  September 2014 - Present
Capital Funding  January 2014 - September 2014
Liberty Home Equity   June 2013 - December 2013
Security One Lending  April 2011 - June 2013
Wells Fargo Home Mortgage   April 2009 - March 2011
Countrywide  2007 - 2008
Ray Fladeboe Automotive Group   March 1982 - June 2005

Skills
Purchase, Reverse Mortgages, Mortgage Lending, FHA, Mortgage, Seniors, Mortgage Industry, First Time Home Buyers, Loan Origination, Investment Properties, Mortgage Banking, Refinance, USDA, FHA financing, Home Equity Loans, Loans, Home Equity, Financial Services, Residential Mortgages, Home Equity Lines of..., Senior Services, Finance, Government Loans, Credit, Certified Mortgage..., Banking, Real Estate Financing, Mortgage Underwriting, Construction Loans, Mortgage Marketing, VA loans, Referrals, Underwriting, Commercial Mortgages, Credit Analysis, Real Estate, Foreclosures, REO, Funding, Short Sales, Loan Servicing, Commercial Lending, Investors, Loss Mitigation, Debt Consolidation, Investments, Residential Homes, Real Estate Economics, Real Estate Transactions, Consumer Lending

Education
Santa Ana College   1972 — 1975

Experience
Wells Fargo Home Mortgage   December 2013 - Present
Wells Fargo Home Mortgage   June 2012 - December 2013
Wells Fargo Home Mortgage   January 2010 - June 2012
Wells Fargo Financial  July 2001 - January 2010
Unity Communications  January 1999 - April 2001
PhoneWare  February 1997 - January 1999

Skills
Mortgage Lending, Loans, Credit, Consumer Lending, Credit Analysis, Banking, Loan Origination, Mortgage Banking, Underwriting, Commercial Lending, FHA, Refinance, Relationship Management, Small Business Lending, Financial Services, Lines Of Credit, Residential Mortgages

Education
San Diego State University-California State University   1998 — 2002
BA, Marketing

South Dakota State University   1995 — 1996
general studies

Experience
Wells Fargo Home Mortgage   April 2010 - Present
First Republic Bank  August 2009 - March 2010
Countrywide Financial Corporation  February 1998 - November 2007
Avco Financial Services  January 1991 - January 1997

Skills
Banking, Risk Management, Financial Services, Relationship Management, Vendor Management, Retail Banking, Financial Analysis, Financial Risk, Process Improvement, Finance, Credit Cards, Management, Project Management

Education
San Jose State University
BS, Business Administration - Marketing

Experience
MassMutual Financial Group  August 2013 - Present
Travis Credit Union  December 2012 - June 2013
Wells Fargo  August 2010 - August 2012
Wells Fargo Home Mortgage   June 2008 - August 2010
Bank of America  September 2006 - June 2008

Skills
Business Development, Commercial Lending, Small Business Lending, Microsoft Office, Microsoft Word, Social Media, POS, PowerPoint, Microsoft Excel, People Skills, Public Relations, Teamwork, Finance, Loans, Mortgage Lending, Real Estate, Management, Financial Services, Sales, Financial Analysis, Small Business, Analysis, Marketing, Retirement, Life Insurance, Time Management, Disability Insurance, Banking, Insurance, Investments, Fixed Annuities, Employee Benefits, Program Management, Commercial Banking, Credit, Financial Advisory, Retirement Planning, Financial Planning, Risk Management, Wealth Management, Underwriting

Education
UCSB   1995 — 1997
Sports and Exercise

Santa Barbara City College   1993 — 1995
Associate of Science (A.S.), Sports and Exercise

Experience
Adobe  February 2014 - Present
Wells Fargo Home Mortgage   October 2007 - December 2013

Skills
Mortgage Lending, FHA, Loan Origination, Refinance, Consumer Lending, Mortgage Banking, Banking, Loans, Customer Service, Residential Mortgages, Credit, Commercial Banking, Sales, VA loans, Investments, Credit Analysis, Small Business Lending, Management, Cross-functional Team..., Project Management, Strategic Account..., Strategic Initiatives, Project Planning, Business Process..., Sales Process, VSAM, Account Planning, Sales Operations

Education
San Jose State University   2004 — 2007
Bachelor, Finance

Lester Shields

Lester Shields

San Jose State University
Bachelor of Science (B.S.), Finance, General

Experience
Rackspace Hosting  May 2012 - Present
Wells Fargo  May 2011 - May 2012
Wells Fargo Home Mortgage   February 2010 - May 2011
JPMorgan Chase  September 2009 - February 2011
Wells Fargo (Formerly Wachovia)   January 1998 - September 2008

Skills
Mortgage Lending, Call Center, Banking, Credit, Mortgage Banking, Refinance, FHA, Loans, Loan Origination, Residential Mortgages, Underwriting, Credit Analysis, Risk Management, Customer Service, Sales Management, Finance, Leadership, Portfolio Management, Insurance, Technology Solutions, Hosted Microsoft..., Email Hosting

Education
San Francisco State University

Experience
Wells Fargo  January 2011 - Present
Wells Fargo Home Mortgage   2011 - Present
Wells Fargo  June 2009 - Present
World/Wachovia   1985 - Present
World Savings/Wachovia Bank  September 1985 - November 2008
World Savings  1985 - 2008

Skills
Loans, Business Analysis, Mortgage Lending, Testing, Management, Analysis, Banking, Business Requirements, Loan Origination, Portfolio Management, Process Improvement, SDLC, SharePoint, Software Documentation, Strategy, Team Leadership, Training

Education
San Francisco State University   1982 — 1985
Bachelor of Science, Business Accounting

Solano Community College   1980 — 1982
Associate of Science, Business

Batchelor's Degree

Experience
Wells Fargo Home Mortgage   1985 - November 2011
Wells Fargo Mortgage Bank   June 2008 - October 2011
Wachovia Bank  December 2007 - June 2008
World Savings & Loan  June 2004 - December 2007
World Savings and Loan  January 1991 - June 2004
World Savings and Loan  November 1985 - January 1991

Skills
Real Estate, Loans, Valuation, Short Sales, Sales Management, FHA, REO, Real Estate Transactions, Appraisals, Mortgage Lending, Asset Management, Sellers

Education
California Department of Real Estate California State University Fullerton
B.A, Liberal Arts

Santa Ana College
A.A, Business

Experience
Wells Fargo Home Mortgage   September 2013 - Present
Wells Fargo Home Equity  January 2012 - May 2013
Pioneer Hi-Bred International Inc  February 2011 - December 2011
Wells Fargo Home Equity  March 2009 - November 2010
Wells Fargo Home Mortgage   November 2005 - December 2008
WellPoint  May 2005 - November 2005
University of Houston - Clear Lake  2002 - 2005

Skills
Business Requirements, Program Management, Visio, Testing, Business Process, Change Management, Requirements Analysis, Requirements Gathering, Software Documentation, Design Documents, UAT coordination, Release Management, Leading Meetings, Live Meeting, Lync, Quality Assurance, Analysis, Enterprise Architecture, SDLC

Education
University of Houston-Clear Lake   2002 — 2005
Bachelors of Science

San Jacinto College   2000 — 2002
Associates of Arts

Experience
Optima Housing Solutions   January 2009 - Present
Wells Fargo Home Mortgage   2010 - 2010
Freddie Mac  July 1983 - June 2008

Skills
Credit, Mortgage Lending, Loans, Mortgage Banking, Banking, FHA, Operational Risk..., Portfolio Management, Real Estate, Loan Origination, Strategic Planning, Negotiation, Residential Mortgages, Risk Management, Credit Analysis, Process Improvement, Capital Markets, Credit Risk, Underwriting, Refinance, Financial Services

Education
San Jose State University   1972 — 1976
Bachelor of Science (B.S.), Urban Studies/Affairs

Experience
Wells Fargo Home Mortgage   September 2012 - Present
FDIC Recevier for Home Savings   March 2012 - June 2012
Home Savings of America  March 2010 - March 2012
Contract - Home Savings of America   April 2009 - February 2012
World Savings and Wachovia Bank   July 1992 - October 2008
Wachovia and World Savings   1992 - October 2008
wachovia bank  1998 - 2008
World Savings Bank  1992 - 2007
World Savings  1996 - 1999

Skills
Loans, Underwriting, Mortgage, Mortgage Industry, Sales Management, Mortgage Lending, Mortgage Banking, Banking, Risk Management, Credit, Management, Training

Education
San Jose State University   1990 — 1992
M.B.A., Business Administration

University of California, Santa Barbara   1986 — 1990
B.A., Business Economics and Psychology

Experience
2KR Sports San Jose CA.   August 2009 - September 2013
California State University, Sacramento  January 2011 - May 2013
Wells Fargo Home Mortgage   February 2005 - November 2008
Bristol West Insurance Group  2003 - 2004
K & R Technology Group   2001 - 2003
IDEC INC.   2000 - 2001
A Grand Affair   1998 - 2000

Skills
Event & Wedding..., Order Administrator, Customer Service..., Administrative..., Event Designing, Event Ticketing, Coordinating Activities, Coordinate Events, Coordinating Skills, Coordinating Schedules, Special Assignments, Customer Satisfaction, Journalism, Administrative Work, Leadership, Training

Education
University of Sacramento   2011 — 2013
Bachelor of Fine Arts (B.F.A.), Communication and Media Studies

San Joaquin Delta College   2007 — 2009
Associate of Arts (A.A.), Humanities/Humanistic Studies

Experience
Countrywide KB Home Loans  September 2002 - August 2004
Wells Fargo Home Mortgage   July 1998 - June 2001
Nor-Cal Mortgage   June 1998 - December 1998
Pacific Coast Producers  February 1996 - May 1998
Valley Rehab. Industries/ Association for Retarded Citizens   1983 - 1987

Education
San Joaquin Delta College   1993 — 1996

Lincoln High School   1971 — 1975

Experience
Icon Bank of Texas, N.A.   March 2007 - Present
Paramount Mortgage.  July 2003 - March 2007
Wells Fargo Home Mortgage   2006 - 2007
Union Planters Mortgage  November 2001 - June 2003
Wachovia Mortgage  2001 - 2002
Union Planters Bank (FKA-Regions Bank)   August 1986 - October 2001

Education
American Bankers Association   2015 — 2015
Lending Compliance Certificate

San Jacinto College   2010 — 2010
Certificate, Grant Writing

American Institute of Banking   2009 — 2010
Commercial Lending

The Real Estate School   1984 — 1985
Real Estate Law and Management

Experience
Wells Fargo Home Mortgage   August 2008 - Present
National City Mortgage  December 2003 - June 2008

Skills
Credit, FHA, Mortgage Lending, Refinance, Conventional, Mortgage, Loan Origination, Loans, Mortgage Planning, First Time Home Buyers, Purchase, Investment Properties, REO, Jumbo, Home Equity Lines of..., Residential Mortgages, Real Estate, FHA financing, Mortgage Banking, USDA, Residential Homes, Mortgage Underwriting, FHA Financing, Construction Loans, Referrals, Certified Mortgage..., Government Loans, Underwriting

Education
San Jose State University   2001 — 2003
Sociology

Sierra College   1999 — 2001

Experience
RPM Mortgage, Inc.   July 2013 - Present
Wells Fargo Home Mortgage   January 2013 - July 2013
RPM Mortgage Inc  2012 - January 2013
California Mortgage Advisors  2010 - 2012

Skills
Credit, FHA, First Time Home Buyers, Investment Properties, Loans, Mortgage Banking, Mortgage Lending, PowerPoint, Real Estate, Recruiting, Refinance, Residential Mortgages, Short Sales, Mortgage Underwriting, USDA, Loan Origination, Real Estate Financing, Commercial Mortgages, Loss Mitigation

Education
San Francisco State University   1996 — 1999
Bachelors Degree, Broadcast

Experience
Wells Fargo Home Mortgage   January 1997 - Present

Skills
Mortgage Lending, FHA, Mortgage Banking, Refinance, Loan Origination, Residential Mortgages, VA loans, Loans, FHA financing, USDA, Credit, Government Loans, Banking, Certified Mortgage..., Credit Analysis, Customer Service, Microsoft Office

Education
San Jose State University

Experience
contino properties   February 1984 - Present
Wells Fargo Home Mortgage   September 1983 - February 1985

Skills
Event Management, Investment Properties, Social Media, Event Planning, Online Marketing, Small Business, Budgets, Marketing, Team Building, Marketing Strategy, Social Media Marketing, Fundraising, Social Networking, Public Speaking, Selling, Negotiation, Customer Satisfaction, Advertising, Customer Service, Loans, Strategic Planning, Sales, Sales Management, Leadership

Education
George Dewey High School Subic Bay   1981 — 1983

San Joaquin Delta College
Associate of Arts (AA)

Experience
Wells Fargo Home Mortgage   October 2014 - Present
PHH Mortgage/Century 21 Mortgage   December 2013 - October 2014
Bank of America  June 2011 - May 2012
Prime Lending  September 2010 - March 2011
Summit Funding  January 2009 - September 2010
JP Morgan Chase  2006 - 2007
Indymac Bank  February 2005 - July 2006
Countrywide Home Loans  July 2004 - February 2005
Washington Mutual Bank  September 2000 - July 2003

Skills
Desktop Underwriter, Loan Prospector, Loan Origination, Loan Underwriting, Secondary Market, Most LOS Systems, Collaborative Problem..., Relationship Management, Business to Business...

Education
San Joaquin Delta College   1980 — 1982
none, business

Experience
Wells Fargo Home Mortgage   January 2013 - Present
Wells Fargo Home Mortgage   March 2012 - December 2012
Wells Fargo Home Mortgage   June 2003 - March 2012
Clear Channel Radio  2000 - 2003
Harty Pipelines   March 1997 - March 2000

Skills
Credit, Mortgage Lending, Accounts Payable, Customer Service..., Banking, Financial Analysis, Customer Service, Real Estate, Sales, Social Media

Education
San Francisco State University   1995 — 2001
Bachelor's, Communications Arts, Holistic Health

Experience
FTI Consulting  September 2012 - Present
Wells Fargo Home Mortgage   November 2011 - September 2012

Education
San Jose State University

Experience
New City Financial   August 2014 - December 2014
Wells Fargo Home Mortgage   June 2012 - March 2014
JPMorgan Chase  September 2010 - July 2012
Wells Fargo  October 2009 - August 2010
Bank of America  January 2009 - October 2009

Skills
Mortgage Lending, Real Estate, Loans, Credit, Loan Origination, Refinance, Mortgage Banking, Credit Analysis, Banking, FHA, Residential Mortgages, Consumer Lending, Retail Banking, Financial Analysis, Microsoft Excel, Small Business Lending, Customer Service, Microsoft Word, Credit Risk, Finance, Cross Selling, Risk Management, Financial Risk, Loan Servicing, Accounting, Strategic Financial..., •Underwriting...

Education
Sanford-Brown College
Associate's degree, Accounting

Experience
Retired  October 2014 - Present
EverBank Home Lending  June 2012 - Present
Wells Fargo Home Mortgage   January 2000 - June 2012
Bank of America  January 1996 - December 1999

Skills
Mortgage Banking, Loan Origination, Credit, FHA, Banking, USDA, VA loans, FHA financing, Consumer Lending, Credit Analysis, Commercial Lending, Retail Banking, Commercial Banking, Small Business Lending, Cross Selling, Underwriting

Education
Santa Clara University   1974 — 1976
MBA

San Jose State University   1970 — 1973
Bachelor's degree, Business Administration and Management, General

Experience
US Bank/Staffing Agency   December 2012 - Present
First Tech Credit Union/Staffing Agency   August 2012 - September 2012
Wells Fargo Home Mortgage   October 2011 - June 2012

Skills
mortgage proceesing,..., PC, Windows, Excell, Power..., Hogan Assessments

Education
San Jose State University
Bachelor of Arts (B.A.), English/Business

Experience
Bank of America  February 2014 - Present
Bank of America  August 2013 - February 2014
U.S. Bank   September 2011 - May 2012
BBVA Compass  October 2009 - February 2011
Wells Fargo Home Mortgage   February 2007 - October 2009
Clayton Homes  May 2005 - February 2007
Palm Harbor Homes  March 2003 - May 2005

Skills
Team Building, Teamwork, Customer Service, Sales, Management, Sales Management, Leadership, Mortgage Lending, 203K, FHA financing, VA loans, Jumbo Mortgage, Microsoft Office, Microsoft Word, Microsoft Excel

Education
San Juan College

Experience
Wells Fargo Home Mortgage   January 2008 - Present

Education
San Jose State University   2007 — 2010
Bachelor of Science