Experience

Keller Williams Elite Realty

• Canada
• Real Estate
• 200 - 300 Employee

• Broker Associate

  • Aug 2007 - Present

  Real Estate Investment Adviser. Real Estate Investment Adviser.



CASAFI SERVICES (Real Estate Services)

• Became Sole-Proprietor.Member

  • Feb 2007 - Present

  February 2007 Proficient with Tempo System (Multiple Listing Service.) Familiar with WINFORMS Platform. Able to prospect potential First Time Home- Buyers. Conducted REO transactions. February 2007 Proficient with Tempo System (Multiple Listing Service.) Familiar with WINFORMS Platform. Able to prospect potential First Time Home- Buyers. Conducted REO transactions.



STEARNS LENDING (Retail Division)

• Lead Underwriter

  • Apr 2005 - Nov 2006

  Supervised a team of 3 junior underwriters, on their loan pre-approvals, adhering to Secondary Marketing and Investor requirements. Able to utilize automated underwriting engines such as CLOUT (Countrywide), IDASL (Impac), DU (Fannie Mae), HSBC, and Deutsche Bank. Manual underwrites loans for EMC (The Bearns Stearns Companies), Chase, Irwin Home Equity, Opteum, and Winter Group with delegated loan approval authority. Six hundred fifty thousand dollar signing authority in the retail lending division with delegated investors. Analyze all different type of appraisals for loan products. Company does not have an appraisal department in-house. Assisted 3 Production manager teams with superb level of speed and accuracy regarding Lender program descriptions and parameters. Complete command of analyzing and deriving income for sole proprietors, partnerships, corporations and W2 wage earner. Act as a liaison with investors for possible loan exceptions, outside underwriting guidelines, and post-closing funded loan files. Review and clear loan conditions following unique guidelines for each investor. Excelled in fraud detection that aided in mitigation of severe collateral risk. Resume Marco A. Marquina Show less



NOVASTAR MORTGAGE (Correspondent Division)

• Senior Underwriter

  • Sep 2004 - Mar 2005

  Responsible for underwriting flow and bulk correspondent loans on specific NovaStar aggressive (NINA, NO DOC, STATED, FULL) lending products. Five Hundred Thousand signing loan authority. Full working knowledge of secondary market underwriting guidelines. Approximate monthly volume for division $147,000,000. Communicate with approved lenders the decision on files submitted on a flow basis. Provide counter-offers for loan scenarios. Analyze all different option(s) to avoid any possible loan denial. Responsible for underwriting 2nd trust deeds for retail loans on specific niche products including loan pricing with different indexes and margins. Due diligence on bulk acquisitions as needed. DOWNEY SAVINGS THRIFT AND LOAN (Wholesale & Retail Investor) Show less



Lending

• Senior Underwriter

  • Oct 2001 - Dec 2003

  Responsible for underwriting wholesale and retail loans. Handled denial reviews and reconsiderations of adverse actions. Ran Automated Desktop Underwriting to support decision for conforming products. Able to do manual underwriting for Jumbo Saleable and Portfolio ARM products. Responsible to underwrite loans with a leasehold and/or sub-leasehold title. Approved/delegated authority with several investors, updated/trained on available programs, and crisis management in a very fast paced environment. Full working knowledge of secondary market, pool, and private mortgage insurance underwriting guidelines. Able to read Living Trusts pursuant to FNMA guidelines. Recognized for file quality, team work, high volume turn around, and willingness to assist where needed to meet schedule deadlines. Show less



AMERICA'S MORTGAGE SUPERSTORE (Wholesale Sub Prime Lender)

• Senior Underwriter

  • Dec 1999 - Sep 2001

  Underwrite and approve high volume of basic and complex loans according to Greenpoint, Citifinancial, Household Mortgage, and Finance America institutions following their policies and procedures. Recommend loan files outside of delegated lending authority for submission to next higher authority. Work within established lending guidelines adhering to Secondary Marketing and Investors requirements to make credit decisions within lending authority. Compiled regulatory data for audit and due diligence. Able to underwrite residential appraisals, condominiums, PUDs, and 2-4 units including underwriting non-conforming 1st and 2nd trust deeds loans with equity lines of credit in a wholesale and/or a retail environment. Assisted funding department reviewing wire dollar amount on approved loans. Four Hundred Thousand signing loan authority. Resume Marco A. Marquina Page 3 of 3 Utilize Desktop Underwriting software: Contour and Dissco. Demonstrated excellent knowledge of risk pricing. Due diligence on bulk acquisitions Deal directly with correspondents and review conditions as needed. Report directly to CEO. Show less



CENTEX HOME EQUITY CORPORATION

• Wholesale Sub

  • Jun 1998 - Dec 1999

  Responsibilities included initial underwriting of wholesale sub-prime loans. Maintained heavy Account Executive contact over the phone. Complete command of analyzing tax returns, and residential appraisals. Prepared weekly reports pertinent to new brokers, appraisers, and title agents. Analyzed income, ratios, review appraisals, preliminary title reports, and set up new loan applications. Responsible for approving new brokers, appraisers, and closing agents during loan process. Ensure compliance to government regulations. Computer Literate Knowledgeable in the use of Multimedia, Microsoft Office 2003, Desktop Underwriter, and Windows XP. Trained the office personnel in DOS basic principles and Windows applications such as Word, Excel, PowerPoint, Winfax, Sidekick, Act, American; Dictionary, etc. Installed workstations that were hooked up to Novell Server. Became the Novell administrator with the following duties: backed up critical daily data, inputted passwords, maintained security level, and repaired the network when needed. Show less



Frank Sariol

• Clerk

  • 1994 - 1995