Professional Summary

An accomplished executive with over 20 years of progressive mortgage banking and

accounting fields of experience. Experienced in dealing with the management of
loan processes of banking, mortgages, consumer finance and accounting industry
. Experienced in working with matters of mid sized privately held companies and
their board of directors. Successfully lead a startup mortgage operation divis
ion for a real estate sales, franchisor firm, and progressively grew that compan
y from mortgage broker to banker.
Began career in CPA and Tax accounting firm management.
Key Areas of Expertise
- Conventional Underwriting - Builder/Realtor Purchase Loans - Loan Processin
g Pipeline
- Construction Loans - DU and LP - Lenders Underwriting Engi
nes
- FHA &VA /Expert - Reverse Mortgages - Commercial Real Estate Len
ding
- Quality Control - Audit Compliance - Credit Evaluation
- Policy and Procedures - Real Estate Contract Law - Trust Funds
- Appraisal Risk Analysis - Income Risk Analysis
- Asset Risk Analysis
- Loan Funding - Loan Purchasing - Loan Servicing
- Personal Relationship Marketing with Realtors and Builders for purchase mortg
ages
- Affiliated Business Relationships and Net Branching as defined by RESPA
Professional Experience
JP Morgan Chase Bank-
02/10/2009 to Present
Processing Team for the Builder Division for all FHA and VA loans.
REAL ESTATE FINANCIAL SERVICES, Inc.
dba REALTY WORLD - FINANCIAL SERVICES - Tracy, CA 8/1995 - 1/2008
Operations Manager: Responsible for all aspects of the Enterprise. Enterprise
began as a startup mortgage brokerage in 1995. Managed company in retail and wh
olesale sales channels for the origination, processing, underwriting and funding
of home loans. Report to CEO and Board of Directors.
* Responsible for planning, budgeting, warehouse lines, funding and underwriting
loan files
* Successfully developed an Affiliated Business Relationship program, and market
ed to over 400 real estate sales franchisee's within REALTY WORLD of Northern Ca
lifornia.
* Successfully transitioned company from broker to correspondent banker in 2005.
* Personal Skill set includes, business development aptitude, entrepreneurial sp
irit with a strong work ethic, persistent, a high level integrity, motivated and
competitive drive, achievement oriented, and self confident.
* Company was built on the experience and dedication of making Realty World a Mo
rtgage Banker. Banker.
* Developed 23 branch offices within the Realty World Enterprise. Successfully
managed production and processing of offices.

REPUBLIC ESCROW, First National Funding Group, Inc. ,affiliated company.

West Covina, CA
1992 - 1994
Owner / President
* Co - Founded a Department of Corporations, independently licensed escrow compa
ny.
* Responsible for the day to day management of an escrow officer team, to close
real estate sales and refinance transactions.

Education/Certifications/Professional Organizations
1983 - 1987 University of San Diego San Diego, CA
Bachelors Degree in Business Administration and Finance
1980 - 1983 Parks Junior College Denver, CO
Graduate A...A., Accounting/Business Administration Degree
Real Estate License since 1994
Notary since 1988

Family, ASA and USSSA Girls Fast Pitch Softball, Cooking, Travel