3/2008 – Present
Conscientious Locator Recognition Award in December 2008 by Las Animas County Damage Prevention CouncilResponsible for accurately marking underground facilities to prevent damage to underground utility lines.
Read As-built prints.
Mark line location on ground with paint, flags and/or whiskers.
Clearly and accurately sketch line location in reference to fixed objects on site.
Assess damaged lines to aid in determining cause.
Keep vehicles stocked with appropriate supplies.
Respond to emergencies.
Customer service and problem solving skills, as well as positive employee relations experience.
On call for emergency locates during off-hours.
Follow all company safety policies and OSHA requirements.
Excellent verbal, written and interpersonal communication skills.
Ability to effectively communicate with superiors, support staff, contractors and facility owners.
Organized, detail oriented.
Self directed, working with minimal supervision.
American Federated Funding, Inc.
2/1997 – 2/2008
Daily supervision of origination and processing FHA, VA, FNMA & Freddie Mac loans.
Training loan officers and loan processors.
Analysis of personal and corporate Tax returns to determine income streams.
Analysis of credit and income to determine ability to repay.
Analyze and determine validity of supporting documentation provided by borrower.
Full understanding of FHA 4155 Mortgage Loan Underwriting Guidelines.
Analysis of appraisals to determine comparables are within guideline tolerances.
Preparation of Initial GFE and Final GFE.
Analysis and approval of final HUD1 Settlement Statements including FHA allowable fees and placement of fees into proper categories on the HUD1.
Worked with First-time homebuyers, investors, and move-up market.
No loan buy-backs occurred in 11 years of origination.
Supervision of bookkeeping, budgeting, marketing and advertising and customer service.
Directly involved in hiring and training support staff.
Setting up accounts with vendors/lenders, acquisition of vertical market software.
As the industry evolved addition of Real Estate Brokerage License obtained. Please see
i Realty Inc.
Proficient in: MS Word, Excel, Adobe Acrobat, Quick Books, Outlook Express, Internet Explorer, Palm & Palm desktop, TurboTax, Loan Origination Software and Fannie Mae Desktop Originator, Freddie Mac Loan Prospector and FHA.
i Realty, Inc.
1/2002 – 1/2008
Broker – Owner
Daily contract negotiations, budgeting, marketing, advertising and customer service.
Daily use of public records via internet and courthouse records to verify ownership title interests, property taxes, liens, position of liens, knowledge of various types of ownership interest, title and tenancy laws and resolution of complications resulting from such records to effect a successful closing.
Supervise and train support staff.
Monitor current real estate industry laws, principles and practices and abide by such laws and fiduciary.
Real Estate Agent
9/1991 – 12/2001
Licensed Real Estate Agent
One of the top 2000 ERA Agents Nationwide 1991 – 1995Contract negotiations, budgeting, marketing, advertising, customer service; monitor current industry laws, principles and practices.
US Mortgage Express
9/1995 – 1/1997
1995 HUD 203k Funding SeminarOriginate FHA, VA and Conventional mortgage loans, marketing and advertising, customer service.
Knowledge of Federal, State and local lending guidelines.
Arvada West High School
Arvada, CO US
High School Graduate
JOB RELATED TRAINING
2002 – Present Licensed Real Estate Broker
1991 – 2001 Licensed Real Estate Agent
1997 – 2008 Licensed Mortgage Broker
2001 Andy Gray School of Real Estate, Sarasota, Real Estate Broker Course Completion
1997 Florida Mortgage Broker School, Ft. Myers, Course Completion
1995 HUD 203k Seminar Tampa Division
1991 – 1994 Century 21 and ERA Real Estate Marketing Courses
1991 Century 21 Academy of Real Estate, Sarasota, Real Estate Agent License Course Completion