Experience August 2002 â September 2010 Citigroup/Citifinancial Auto

Houston, TX
Alternate Underwriting Supervisor/Credit Underwriter IV
Assist Underwriting Supervisor with all aspects of managing the Underwriting
Department.
Review and sign off on process, pricing and criteria exceptions.
Review and sign off on exceptions from underwriters with Credit Level IV and
below.
Review and decision based on credit, adherence to credit policy, loan to valu
e ratio, debt to income and payment to income ratios approximately 120 credit ap
plications per day.
Calculate proof of income on contracts in house for funding.
Developed a more efficient process for tracking and monitoring status of cont
racts in house that required proof of income.
$109 million in loans booked â most in the Houston Production Center.
5/2001 â 6/2002 Bank of America Mortgage Houston, TX
Loan Officer
Solicit Houston area realtors for the purpose of generating purchase money re
al estate loans.
Develop strategies to originate consumer direct business.
Attend local board of real estate and chamber of commerce functions as means
of networking and developing new business contacts.
Take application from prospective clients and enter application for automated
underwriting through Virtual Mortgage processing system.
Pre-underwrite file based on credit analysis, debt-to-income ratios, and cash
reserves to insure qualification.
Counsel clients and best available loan program options.
Interact with processing and underwriting departments to ensure smooth transa
ction from application to closing and funding.
9/1999 â 5/2001 Conseco Finance Houston, TX
Mortgage Finance Officer
Solicit Houston and surrounding area homeowners for home equity and home impr
ovement loans.
Input all information into the UniFi processing system to pull credit bureaus
and all state specific and RESPA disclosures.
Analyze credit and income information to determine qualification and pricing
for all prospective clients.
Collect all necessary documentation from clients and prepare the file in orde
r to turn the file into the processing department.
Build referral sources through independent banks, credit unions and home impr
ovement companies to increase business.
Funded $666,300.00 in March 2000 (top loan officer in the southwest region, 5
th in the nation.)
.
1994 - 1999 First Fidelity Mortgage Orange, CA
Senior Loan Officer / Assistant Loan Manager
Meet with all prospective clients to determine qualification and to counsel t
hem on the best loan program available for their situation.
Analyze credit and debt to income ratios for qualification purposes.
Assisted the loan manager in reviewing all scheduled appointments and loan ap
plications written to ensure loan qualification.
Developed several marketing items to increase production.
Maintained a 70% closing ratio.
 Maintained a $5000.00 income per loan ratio.
Assisted the processing and underwriting staff in all aspects to ensure fundi
ng.
Meet with prospective lenders to ensure a variety of loan programs were avail
able for clients.
1988 - 1994 Bankers Diversified Mortgage
Santa Ana, CA
Assistant Vice President / Loan Manager
Supervised the production of 4 loan officers and 15 customer service represen
tatives.
Pre-qualified all prospective clients and determined what loan program would
be best for their present financial situation.
Reviewed all loans based on credit and income analysis before submitting them
to the processing staff.
Implemented a new production report that improved the loan officers closing r
atio and their income per loan ratio.
Implemented a new production report that improved the customer service repres
entatives show ratio to appointments scheduled.
Reviewed all appointments for credit, loan to value and debt to income ratio
guidelines to ensure loan qualification.
Hired and trained all new loan officers and customer service representatives.
Maintained a 70% closing ratio, a $5000.00 income per loan ratio, and a 60 %
show rate for all appointments scheduled.
1983 - 1988 First Alliance Mortgage
Santa Ana, CA
Director of Loan Origination
Supervised the production of 25 customer service representatives and 4 cleric
al personal.
Coordinated the appointment schedules for 9 branch offices throughout the sta
te of California.
Reviewed all appointments scheduled for loan to value guidelines to ensure lo
an qualification.
Hired and trained all new customer service representatives and clerical perso
nal.
Education 1980 - 1983 Golden West College Huntington Beach, CA
General studies, including finance, accounting, European history, literature
and creative writing.
Seminars Management Action Programs - 1987 and 1991
Training Yearly - Equal Credit Opportunity Act, Fair Credit Reporting Act, Fair
Lending and Privacy Policy Training.
Interests My family, traveling, sports, reading, cooking.