CHRISTIAN TOVAR 55-61 68th Street Guttenberg, New Jersey 07093 (732) 754 - 1014 ct11ef7e0@westpost.

net QUALIFICATIONS Dynamic, results-driven professional with progressive experience in financial se rvices. Analytical thinker with strategic planning skills, capable of developin g innovative approaches to resolving issues and driving efficiency. Demonstrate d expertise in sales and risk management, highlighted by closure of over $70 mil lion in lucrative loan agreements in only four years. Effective, articulate com municator with ability to establish rapport with individuals at all levels. Flu ent in Spanish. PROFESSIONAL EXPERIENCE AMERICAN FEDERAL MORTGAGE, Flanders, New Jersey 2005 - 2010 Mortgage Consultant/Loan Officer (2006 - 2010) * Generated over $70 million in loan closures in a mere four years by leveraging expertise in sales, conducting efficient loan application reviews, and driving portfolio growth on daily basis. * Interfaced with clients, culling and assessing a variety of information to ide ntify and facilitate origination of optimized products to suit various requireme nts; provided regular progress updates. * Prepared and presented loan offers, translating technical information to ensur e client understanding of loan terms; modified agreements as necessary to minimi ze company risk and maximize client value. * Maintained major database of existing and prospective clients, entering accura te data daily. * Reconciled mortgage borrower statements with individual client credit reports to detect inaccuracies. * Built solid working relationships with clients and real estate professionals t o grow referral business. * Collaborated with loan processor, providing documentation required during unde rwriting process. * Ensured compliance of all activities with corporate and federal policies, moni toring policy changes. * Created and managed comprehensive schedules for loan officers to ensure consis tent availability to clientele. Pricing Manager (2005 - 2006) * Monitored all loans entering pipeline, ensuring accurate pricing to minimize c ompany risk. * Liaised with trade desks of Wells Fargo, Citi, Countrywide, and various smalle r banks to acquire highest bid for each loan; communicated loan information and ensured purchase accuracy. * Analyzed hedge position and made alterations to processing loans to ensure cov erage of market movement. EDUCATION SETON HALL UNIVERSITY, South Orange, New Jersey Bachelor of Science in Business Administration, 2004 - Concentration in Finance

TECHNICAL PROFICIENCIES Microsoft Word, Excel, Access, and PowerPoint; Novell, Lotus Notes, Internet Res earch