Recruit, inverview, and hire professional loan originators for Branch. Communicate and problem solve with Corporate and Teams to ensure that funding goals and superior customer service is adhered to and budgets are met.

"Direct lender for FHA, VA, Conventional loan production in the South West states. Privately owned in in business since 1982, currently lending in CA, NM, NV, CO, AZ, and TX.
"

Refinance loans for clients requesting refinances. Pre-approve clients for purchase home loans for myself and other agents in office. Complete application over telephone for California, Texas, Arizona loan clients. Obtain loan documentation via eFax Electronically send file to Processor to mail disclosures, and prepare file for submission.

Set-up loan office in real estate office, trained loan processors and agents in manual and automated loan submissions, ensured compliance with state and federal law.  Prepared Training Manuals and Procedure Manuals wrote job descriptions and minimum job requirements for performance measures.  Provided a working loan office environment for as many as six loan officers and two processors for the origination of conventional, jumbo, sub-prime, equity lines and second mortgages. Maintained a productive real estate business while managing loan office. Silver Production Award for 2001, 2002, 2003, 2004.

Worked in office assisting Office Manager and Loan Processor covering positions during vacations and time off. Built my own successful Real Estate Business Originated loans for purchases and refinancing, FHA, VA, CHFA, Conventional, Jumbo, sub-prime and equity seconds and credit lines.

Originated loans in a call center environment for 48 states. My clients were academic professionals and professors from a University affiliation and benefits program. The affiliation program also included credit union members and current North American Mortgage borrowers. I answered incoming calls and processed applications using computer automation and interaction with the processing center. Conventional, Jumbo, PERS, CHFA, VA, FHA, STRS loans.

Responsible for managing two supervisors, two coordinators, six team leaders and forty full time employees to ensure legal compliance with loan payoff processing, issuing payoff statements, accepting wired funds, issuing Deeds of Reconveyance for all paid off loans serviced by North American Mortgage.  Prepared annual budget and ensured that department operated within Senior Management approved expenses.  Prepared department Cause and Affect Study for Senior Management to establish procedures and hardware to fax demands, received statement requests, receive wired funds for payoffs. Also proved how production could be improved by implementing a new phone system to direct calls to specific areas such as requesting demands, verifying receipt of payoff funds, status of reconveyance. RTC Resolution Trust Corporation Custodian Document Coordinator for NAMCO and RTC. Added additional projects included traveling to Document Custodians for loan files originated by failed Savings and Loans acquired by the RTC to pool and ship to Corporate Office. Hired and trained temporary employees to endorse notes, box files according to pools, inventory loan files and prepare for shipping. Established procedures for RTC Custodial process with NAMCO Legal Department and ensured all FNMA, GNMA and Freddie Mac required pool documentation in file for compliance and sale to secondary market. This position also required identifying collateral secured by hypothecated deeds.  Member Loss Mitigation Committee to negotiate and approve short sales for Borrowers that would be unable to sell home due to property values that were less than the amount owed on the home. Mitigation process to avoid foreclosure included loan modifications, payment plans and rate reductions.

Responsible for collection of delinquent payments, repayment plans, and foreclosure processing in all states serviced by North American Mortgage. Position required working knowledge of collection and foreclosure laws of various states. Position in Foreclosure Department was as a Team Leader responsible to meet Team deadlines.