EMPLOYMENT

7/10/2019-PRESENT – Managing Member, A Perfect Balance Financial Services, LLC dba Anytime Signed Sealed & Delivered

Responsible for completing accurate, professional, on-time remote notary request working from a home-based office equipped with the latest reliable computer and scanning equipment, high-speed internet and a business and fax and phone system.

Certified Loan Signing Agent in multiple closing types including Standard Mortgages, HELOCs and Reverse Mortgages.

Collaborate with title and mortgage companies as well as third party vendors to schedule and meet with buyers and sellers to facilitate closings for the purchase or sale of real property while performing the following functions in fast, accurate, and professional manner.

• Communicate with borrowers, title company personnel, and mortgage lenders over the telephone and in written correspondence throughout the process.

• Contact borrower to schedule and confirm closing appointment date, time, and location.

• Review mortgage loan closing documents personally picked up, delivered by courier.

• Print and Review documents provided in E-doc format from Lenders, Escrow Office, or Signing Agency.

• Coordinate and ensure Travel within business area, on-time arrival, and track mileage.

• Verify proper government issued picture identification documents of each party signing documents.

• Strictly follow lenders closing instructions as provided in the loan package.

• Review the signing process with the signors and Ensure that signer is of sound mind and is not signing under duress before signing.

• Ensure that signer is aware and understand the documents he/she is signing without interfering with the transaction on behalf of either party.

• Explain the purpose of each complex mortgage documents being signed and answer any pertinent questions within limitations as outlined by state law. 

• Direct signer where the information can be found or obtained should questions arise outside of my authority to answer.

• Observe the execution of each document provided (if required) and notarize each party's signature on each document.

• Ensure real estate loan documents are properly executed per the document.

• Administered oaths and affirmations, take affidavits and statutory declarations, witnesses and authenticate the execution of certain documents.

• Inform signer of document which explains his/her rights to cancel transaction within a given frame time as needed.

• Notarize documents by Signing prepared documents and affixing stamps and seals.

• Complete Jurats and Acknowledgements as needed.

• Verify that all documents are accounted for when notarizing closing documents during a real estate transaction.

• Collect outstanding conditions as indicated in closing instructions (including Cash to Close when needed) and promptly return to Escrow Office or Lender as instructed.

• Perform General Mobile Notary and Remote On-Line Notarizations

• Create and prepare journal records of all items notarized and ensure they are ready as needed for public reference or court ordered release.

• Promptly Scan back (as required) prior to stacking and shipping all executed closing documents.

• Return all signed documents to escrow company immediately to ensure that there is no lapse in time to record documents as needed in the various entities involved.

• Maintain Regular communication with escrow companies, Lenders, Signing Agencies and Customers throughout the process.

• Manage all aspects of a small business: filing, marketing and new business development, create and maintain a client database, negotiating pricing, invoicing and accounting activities.

• Ensure that all stamps, seals and papers are kept safely under lock and key.

• Conduct closing consistent with the legal and ethical standards contained in the laws and rules promulgated by the state.

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7/25/2019- PRESENT –Realtor Team Lead, JP & Associates REALTORS

Main Responsibilities include

• Responsible for timely and consistent follow-up with all leads

• Conduct initial phone consultation and send follow-up communication via email, text, and phone calls.

• Set up a search portal for each prospect via Matrix

• Conduct face-to-face meetings with buyers and Sellers

• Serve as the main point of contact relationship for all buyers and Sellers

• Develop expert knowledge regarding mortgage financing, neighborhoods, schools and all home ownership issues

• Provide high level fiduciary advice to all clients.

• Consult with Sellers on pricing strategies and staging homes for sale

• Consult with Buyers from initial contact through contract to close to ensure the transaction progressing in a smooth and timely process

• Effectively negotiate best results for each client above all others

• Set up leads on a drip email campaign

• Work directly with Broker and Office Manager on any issues that require resolution

•  Go on listing appointments and successfully convert leads to listings

• Consistent follow up with leads from Expired Listings, Geographical Farms, Past Clients, Sphere of Influence, etc.

• Evaluate and communicate with Sellers on showing feedback

• Hold critical conversations with Sellers to re-evaluate pricing as needed

• Maintain the transaction and client information in our CRM as well as our online contact and transaction management system

• Develop and implement systems for sellers, buyers, lead generation, contact database management and front and back office support. Ensure that all systems and processes run efficiently, making revisions as needed.

• Answer and route inbound phone calls and leads

• Coordinate the purchase, installation and maintenance of all office equipment

• Develop and maintain the team filing systems (listings, contracts, legal, correspondence, etc) and computer databases.

• Develop and implement closing systems for sellers and buyers, contact database management and back office support. Ensure that all systems and processes run efficiently, making revisions as needed

• Complete weekly and monthly reports

• Serve as first point of contact in handling customer inquiries and complaints

• Responsible for keeping team members informed regarding any problems or issues that need to be handled

• Responsible for hiring, training, consulting, holding weekly team meetings, and holding accountable all team members

• Responsible for all financial systems. This includes maintaining the books, paying the bills, handling payroll, assuring the collection of commissions, maintaining the budget and generating financial reports. Responsible for the accuracy and timelines of all financial information.

• Draw up listing documents

• Order photos and coordinate scheduling and access for Photographer (for new listings)

• Input and maintain properties description, photographs, and status updates on MLS

• Prepare, order and send post-closing gifts to customers as transaction closes

• Update contact management system

• Send executed contract to seller

• Schedule closing with all parties and ensure everyone is kept up to date on closing status changes

• Provide clients and team members with weekly updates

• Ensure all documents are accurately completed and within compliance for CDA preparation and release. 

• Handle misc. transaction processes and events as needed

 

Knowledge, Skills, Experience  

Proficient computer skills

Excellent phone skills

Experience in the real estate industry

Good people skills

Friendly personality

Attention to detail

Ability to manage and lead others

Ability to design and implement efficient systems

Work well with little to no supervision

Trustworthy

Task oriented

Results driven

Ability to prioritize

Excellent written and verbal communication skills

Internet savvy

 

Proficient Computer skills  

Matrix MLS System

Zip Forms

E-Doc systems including Docusign and Authentisign

Excel, Word, PowerPoint, Publisher

Excellent computer navigating skills

Write and submit press releases

Write and send marketing emails

Write blog posts

Maintain content on Facebook and other social media sites

Post classified ads

Video blog and editing

Design marketing flyers and postcards

Set up webinars

Create and maintain web pages

Power point presentations

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 NAR & Other Designations

ABR- Accredited Buyer Representative, 

SRS - Seller Representative Specialist

PSA - Pricing Strategy Advisor

AHWD- At Home with Diversity

RENE- Real Estate Negotiation Expert 

MRP - Military Relocation Professional 

CBA – [Rebus University] Certified Buyer’s Agent

CBS – [Harris Real Estate University] Certified BPO Specialist

CCCC – [AICC] Certified Consumer Credit Consultant

CILS – [Rebus University] Certified Inbound Lead Specialist

CISAM – [Rebus University] Certified Inside Sales Agent Manager

CLA – [Rebus University] Certified Listing Agent

COLS – [Rebus University] Certified Outbound Lead Specialist

CPRC – [Rebus University] Certified Price Reduction Course

CREM – [Rebus University] Certified Real Estate Mogul

CRLA – [Premiere RE Academy] Certified Residential Listing Specialist

CTA – [Rebus University] Certified Team Agent

GRED – [Geo Leonard School of RE] Graduate Real Estate Designation

HPA – [Home Partners of America] Agent Certification

PLA – [University of N. Texas] - Professional Licensed Assistant

RSD – [Harris Real Estate University] REO Specialist Designation

STAR – [Floyd Wickman] – S.T.A.R. Development Program

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5/5/2017 –PRESENT – Manager, JTM Property Investments, LLC

Manage Real Estate Investors Buy & Wholesale, Flip/Rehab properties, or Buy & Hold.  All general Business activities including Marketing, Accounting, Project Finance, Prepare contracts for complex Real Estate Transactions, Manage Bird Dogs, Wholesale Lead Prospecting, Corporate Filings and Meetings, Contractor Bids, Project Evaluations and purchases.

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PREVIOUS EMPLOYMENT

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5/5/17-7/25/2019  Broker/Builder/REI/ Rehab Operations, NLRG | DREIG | Ascend Builders | Dealworks

This position was working directly ("right hand") with the Owner/Real Estate Broker/Builder/Developer in a variety of responsibilities including Working with REI Club to attract and maintain Sponsors, Speakers, Real Estate Investors, Hard Money Lenders, and Agents. My other job duties included Working with State Licensing authorities for any issues affecting Agents, and Broker, as well as getting TREC Continuing Education programs created, submitted and approved.  Working with Broker to help maintain all Office Facilities and Investment properties, Maintenance request, showings, Listings, Contracts, and property Management. I also performed all other general Realtor duties as listed with JPAR job description. Builder duties included Working with local cities on Zoning, Building Planning, Inspections, and Permits. Assisted with Architects and the Architectural plans and worked with BlueLine for Blue Prints orders, Changes and Duplications. Managed Contractors Bids, Job planning, Inspections, Change orders, Job Completion and payouts. For the Real Estate Investment club I managed the Reverse Close Program acting as Liaison between Realtors and Lenders as well as Training Realtors and Clients on how the program works.  I worked closely with the Lenders to approve Investors Financing and Clients homes to ensure they me the Reverse Close program guidelines. The REI club also hosted Real Estate Investor meetings twice a  week and miscellaneous Networking and Training Events. I Managed the Hosting of On and Off-site training events, Researched Nationwide Investor talent, scheduled and hosted Speaking events, assisted with Travel arrangements, contract negotiations, schedule confirmations, Client order processing, event recording, and social media. I worked with the Broker/Owner in Creating and developing several programs including the Reverse Close program and the Home Building training program for the Club Members and Agents.

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6/6/2016 –5/5/17    Sr. Underwriter, Financial Network-dba Orion Lending LLC (Wholesale)  

Underwrite, approve and facilitate the closing of Conventional, FHA, VA and/or VA IRRRLS.

 

8/26/2013 –PRESENT Sr. Credit Risk Underwriting / Pacific Union Financial, LLC (Supporting Retail, Wholesale, Correspondent & Non-Delegated Correspondent)

Participation in and recommendation of signing authorities for the underwriters within the center

Provide day-to-day Underwriting Help Desk support for second signatures, overflow underwriting, Test Cases, spot audits, declination resubmissions, product scenarios, quality control reviews or loan, and collateral packages,  PETRs, NOR information. Provide Help Desk Support for credit packages and property appraisals (FHA, VA, CONV, JUMBO, and USDA) within agreed upon SLAs. Decision FHA, VA, and Conventional loans. Assist Risk Director to ensure overall loan quality and data integrity on all loans from a credit review aspect and prefunding quality control functions within the team. Participates in the training, coaching, and supervision for all underwriters specific to credit policy and associated interpretation and application of all company and agency policies and procedures.  Review trended underwriter data and implement necessary action plan recommendations as determine by the Risk Director to improve team and center results associated specifically with quality.  Assist in new hire training of underwriters and Jr. Underwriters, and participate in the interviewing, hiring, mentoring, and complete On-boarding process of all credit related team members.  Development and maintenance of a strong working relationship with onsite Center Management and Sales.

7/2008-8/2013       Lending Manager-3 VP / Site Leader /Mediations Department, Wells Fargo       

Site Leader for Loss Mitigation Operations for 200+ team members including, direct supervision of an Administrative Assistant, 9 Direct Report Lending Managers and their team of 90 Underwriters engaged in approving Government and Conventional Loan applications. Manages unit(s) engaged in loss prevention and recovery of potential and actual loan losses that are in active mediation status with significant reputational risk. Leads litigation process, administers credit policy, loan restructuring in both retention and liquidation. Ensures group's underwriting and customer service levels are met. Monitors credit quality. Approves loans within established loan approval limits. Oversees structuring, pricing and documentation of individual loan transactions, as well communication with In-house, and external Attorney’s (including Attorneys General office if needed), judges, and court personnel to minimize risk of sanctions, and contempt of court issues. Ensures compliance with bank policies and procedures as well as investor guidelines. Identifies and resolves departmental issues and deficiencies. Creates or authorizes changes to business unit policies and procedures. Monitors delinquency, loss and risk rating accuracy. Creates and implements programs of compliance monitoring and evaluates results. Maintains balance between operational efficiency and risk mitigation. Ensures coordination and communication within the business, other business units, Legal, Internal Audit and external agencies as necessary.  Projects Lead and/or Partner on several projects including Process and Procedure Overhaul to ensure smoother transactions and eliminate risk with Departmental Education and Training (Expectations, Protocol, Class training Curriculum and Training Guides). Worked closely with IT to develop and maintain internal Telephonic systems, and settings to ensure minimal risk during telephonic mediations issues which could result in fines, sanction, and or contempt if mishandled.

 

Lending Manager-2 AVP/HP Underwriting and OCC Audit, Wells Fargo

Responsible for supervising Admin, 5 Direct Report Lending Managers and their team of 65 Underwriters engaged in approving Loan      applications. Daily duties include pipeline management, compliance, internal customer service, effectively communicating updates and changes to the management team as well as their direct reports, create and maintain reports, assisting management team with setting team expectations, staffing, training and coaching,  as needed.

 

Lending Manager-1(QRB) Quality Review Board, Wells Fargo Home Mortgage

Previously a Department Manager with two direct report Managers and their team of Quality Review Underwriters.  Duties include coaching managers and team members, critical decisions and problem solving, communication and building strong relationships with Underwriting Partners, host  My management responsibilities include staffing, monthly one on ones with team members, PTO, Performance reviews, and other various management duties.

 

Loan Administration Manager / Retail Site Quality Champion, Wells Fargo

Responsible for managing a team of Quality Review Underwriters that reviewed all Property and Credit Packages for all investors prior to loan closing for accuracy. Other responsibilities include monitoring various credit policies, team member performances, benchmarks and overall department quality performance; while providing the management with trending and reports as needed.  This position includes the coaching and training of Quality decisioners.  Another key role I have as part of the management staff is my continuous work on special projects to enhance and develop trainings, development of job aids and tools for multiple business lines. My management responsibilities include staffing, monthly one on ones with team members, PTO, Performance reviews, and other various management duties.

 

Retail Underwriter III, Wells Fargo Home Mortgage

My delegation of authority is the highest level Underwriter responsible for underwriting and auditing all Retail loan types (FHA/VA/CONV credit and appraisals).  Other responsibilities include monitoring various credit policy, performance and benchmarks and overall site quality performance; assisting with the production of monthly, quarterly, and as needed performance reports for site and senior management.  This position also plays a large role in the coaching and training of fulfillment center staff including the decisioners.  Another key role is reviewing and analyzing trends and making recommendations and discussing strategies with management based on those trends.

 

12/2007-7/2008     Sr. Government Wholesale & Correspondent Underwriter, JPMorgan Chase Bank

Underwrite a high volume of Government (FHA/VA) loans. Reviewing full underwriting package including credit, and Appraisals. Maintain good working relationship with Brokers and Account Executives. Manage defects as needed.  I have a working knowledge of multiple loan Software programs.

 

8/2006- 9/2007      Operations Manager / Retail Underwriter, Countrywide Home Loans, Inc

Responsible for Underwriting full loan package including appraisals for FHA, VA and Conventional (Conforming and Non-Conforming), Second Lien Products as well as a high volume of Bond and Grant assisted loans.  Duties included supervising, staffing, and training all operations personnel.  Performed additional management functions such as: quality control, regulatory compliance, payroll and benefits, IT, banking, audits, assisted with loan placement as needed.  I maintained a positive working relationship with customers, realtors, builders, and business partners. Developed policies and procedures for branches to adhere to and worked closely with Management from other departments.

 

8/2006- 8/2006      Due Diligence Portfolio Underwriter, EMC Mortgage Corporation

I was responsible for reviewing the quality of loans to be sold to other investors and/or on the Secondary Market.  This second underwriting done by our department was a full loan review of credit and appraisals to catch potentially fraudulent loans and verifying the quality of the loans prior to investor purchasing.

 

 

PREVIOUS EMPLOYMENT WITH SIMILAR JOB DUTIES

 

8/2005-8/2006       Retail & Joint Venture Underwriter, CountrywideKB Home Loans

                                       

5/2004-11/2004     Retail Underwriting Manager, NWM, Inc.

 

9/2001-5/2004       Retail Underwriter, Home Loan Corporation

 

1/1989-9/2001       Owner/Broker, First Financial Mortgage / Texas Equity Group Financial (Retail-A Paper & Sub-Prime Lending)

 

6/1998-10/1999      Licensed Realtor, Century 21 Judge Fite (Currently Inactive)

Licensed Real Estate Agent (Realtor) performing market research data and pricing analysis, developed client base, contract negations, provided liaison among lenders, attorneys, and clients, compiled and updated statistical data.  I was responsible for sales, marketing, self-promotion, and public relations.  My license is currently inactive.