Chief Executive Officer

• Aug 2018 - Present

As a mortgage and financial professional for over 20 years, I offer my customers (no matter what their financial status is) the knowledge and experience to find the financial options that works for you. Whether you are buying, selling, refinancing, or building your dream home, you have a lot riding on the performance of a professional. Since market conditions and loan programs change on a dime, you need to deal with someone who is well versed in the industry. I am a certified Loan Officer… Show more As a mortgage and financial professional for over 20 years, I offer my customers (no matter what their financial status is) the knowledge and experience to find the financial options that works for you. Whether you are buying, selling, refinancing, or building your dream home, you have a lot riding on the performance of a professional. Since market conditions and loan programs change on a dime, you need to deal with someone who is well versed in the industry. I am a certified Loan Officer and I am specialized in placing you in the loan or financial plan that is most suitable to your needs, I make it my business to stay current with all the recommendations and consulting advice I provide and, as well as making myself available any time of day. I make every attempt to present a strategic valuation and complete customer service in everything I do. My goal is to maintain honesty, integrity, dedication and vast industry knowledge with every client. Show less As a mortgage and financial professional for over 20 years, I offer my customers (no matter what their financial status is) the knowledge and experience to find the financial options that works for you. Whether you are buying, selling, refinancing, or building your dream home, you have a lot riding on the performance of a professional. Since market conditions and loan programs change on a dime, you need to deal with someone who is well versed in the industry. I am a certified Loan Officer… Show more As a mortgage and financial professional for over 20 years, I offer my customers (no matter what their financial status is) the knowledge and experience to find the financial options that works for you. Whether you are buying, selling, refinancing, or building your dream home, you have a lot riding on the performance of a professional. Since market conditions and loan programs change on a dime, you need to deal with someone who is well versed in the industry. I am a certified Loan Officer and I am specialized in placing you in the loan or financial plan that is most suitable to your needs, I make it my business to stay current with all the recommendations and consulting advice I provide and, as well as making myself available any time of day. I make every attempt to present a strategic valuation and complete customer service in everything I do. My goal is to maintain honesty, integrity, dedication and vast industry knowledge with every client. Show less

Branch Manager

• May 2016 - Aug 2018

As a mortgage and financial professional for over 10 years, I offer my customers, no matter what their financial status, the knowledge and experience to find the best financial options. Whether you are buying, selling, refinancing or building your dream home, or in need of financial planning you have a lot riding on the performance of a professional. Since market conditions and loan programs change on a dime, you need to deal with someone who is well versed in the industry. I am a certified… Show more As a mortgage and financial professional for over 10 years, I offer my customers, no matter what their financial status, the knowledge and experience to find the best financial options. Whether you are buying, selling, refinancing or building your dream home, or in need of financial planning you have a lot riding on the performance of a professional. Since market conditions and loan programs change on a dime, you need to deal with someone who is well versed in the industry. I am a certified Loan Officer and I am specialized in placing you in the loan or financial plan that is most suitable to your needs, I make it my business to stay current with all the recommendations and consulting advice I provide and, as well as making myself available any time of day. I make every attempt to present a strategic valuation and complete customer service in everything I do. My goal is to maintain honesty, integrity, dedication and vast industry knowledge with every client. Show less As a mortgage and financial professional for over 10 years, I offer my customers, no matter what their financial status, the knowledge and experience to find the best financial options. Whether you are buying, selling, refinancing or building your dream home, or in need of financial planning you have a lot riding on the performance of a professional. Since market conditions and loan programs change on a dime, you need to deal with someone who is well versed in the industry. I am a certified… Show more As a mortgage and financial professional for over 10 years, I offer my customers, no matter what their financial status, the knowledge and experience to find the best financial options. Whether you are buying, selling, refinancing or building your dream home, or in need of financial planning you have a lot riding on the performance of a professional. Since market conditions and loan programs change on a dime, you need to deal with someone who is well versed in the industry. I am a certified Loan Officer and I am specialized in placing you in the loan or financial plan that is most suitable to your needs, I make it my business to stay current with all the recommendations and consulting advice I provide and, as well as making myself available any time of day. I make every attempt to present a strategic valuation and complete customer service in everything I do. My goal is to maintain honesty, integrity, dedication and vast industry knowledge with every client. Show less

Adjutant Professor

• Aug 2015 - 2018

Teaching a program designed to develop the skills and knowledge necessary to advance in career paths appropriate to particular interests and abilities in the field of mortgage banking. In addition to the specific technical skills and knowledge required to originate, process and manage mortgage loans, the student will have covered skills in other areas such as real estate, planning and organization, problem solving and decision making, communication, prospecting, business and sales. Teaching a program designed to develop the skills and knowledge necessary to advance in career paths appropriate to particular interests and abilities in the field of mortgage banking. In addition to the specific technical skills and knowledge required to originate, process and manage mortgage loans, the student will have covered skills in other areas such as real estate, planning and organization, problem solving and decision making, communication, prospecting, business and sales.

Loan Officer

• Feb 2016 - May 2016

1) Approve loans within specified limits, and refer loan applications outside those limits to management for approval. 2) Meet with applicants to obtain information for loan applications and to answer questions about the process. 3) Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. 4) Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. 5)… Show more 1) Approve loans within specified limits, and refer loan applications outside those limits to management for approval. 2) Meet with applicants to obtain information for loan applications and to answer questions about the process. 3) Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. 4) Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. 5) Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information. 6) Review and update credit and loan files. Show less 1) Approve loans within specified limits, and refer loan applications outside those limits to management for approval. 2) Meet with applicants to obtain information for loan applications and to answer questions about the process. 3) Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. 4) Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. 5)… Show more 1) Approve loans within specified limits, and refer loan applications outside those limits to management for approval. 2) Meet with applicants to obtain information for loan applications and to answer questions about the process. 3) Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. 4) Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. 5) Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information. 6) Review and update credit and loan files. Show less

Mortgage Loan Originator

• Dec 2015 - Feb 2016

Loan Officer Job Duties: -Evaluates loan applications and documentation by confirming credit worthiness. -Improves loan applications and documentation by informing applicant of additional requirements. -Rejects loans by explaining deficiencies to applicants. -Approves loans by issuing checks or forwarding applications to loan committee. -Completes loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees. -Helps customers… Show more Loan Officer Job Duties: -Evaluates loan applications and documentation by confirming credit worthiness. -Improves loan applications and documentation by informing applicant of additional requirements. -Rejects loans by explaining deficiencies to applicants. -Approves loans by issuing checks or forwarding applications to loan committee. -Completes loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees. -Helps customers by answering questions; responding to requests. -Maintains customer confidence by keeping loan information confidential. -Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations. -Accomplishes bank mission by completing related results as needed. Loan Officer Skills and Qualifications: Audit, Financial Skills, Financial Software, Customer Service, Thoroughness, Confidentiality, Analyzing Information , Decision Making, Verbal Communication, Professionalism, Quality Focus Show less Loan Officer Job Duties: -Evaluates loan applications and documentation by confirming credit worthiness. -Improves loan applications and documentation by informing applicant of additional requirements. -Rejects loans by explaining deficiencies to applicants. -Approves loans by issuing checks or forwarding applications to loan committee. -Completes loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees. -Helps customers… Show more Loan Officer Job Duties: -Evaluates loan applications and documentation by confirming credit worthiness. -Improves loan applications and documentation by informing applicant of additional requirements. -Rejects loans by explaining deficiencies to applicants. -Approves loans by issuing checks or forwarding applications to loan committee. -Completes loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees. -Helps customers by answering questions; responding to requests. -Maintains customer confidence by keeping loan information confidential. -Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations. -Accomplishes bank mission by completing related results as needed. Loan Officer Skills and Qualifications: Audit, Financial Skills, Financial Software, Customer Service, Thoroughness, Confidentiality, Analyzing Information , Decision Making, Verbal Communication, Professionalism, Quality Focus Show less

Neighborhood Team Leader

• 2015 - 2016

• Forming organizations within a community that focus community leaders on problems within a neighborhood and finding solutions. • Sharing information through the organization to help answer questions about community issues and also offering solutions. • Pay attention to political agendas and power relationships within a community to better understand the economic, social and political forces that shape a community. • Recruit people from the community into the organization… Show more • Forming organizations within a community that focus community leaders on problems within a neighborhood and finding solutions. • Sharing information through the organization to help answer questions about community issues and also offering solutions. • Pay attention to political agendas and power relationships within a community to better understand the economic, social and political forces that shape a community. • Recruit people from the community into the organization and help them develop their talents and skills, including potential leaders for the community. • Encourage people within a neighborhood to take public action and participate in civic life on issues that affect them. • Find and build a base of people within the community who demonstrate a commitment to tackling the issues the community faces. • Build power for the organization by helping nurture the knowledge and skills community members need to participate in the political process Show less • Forming organizations within a community that focus community leaders on problems within a neighborhood and finding solutions. • Sharing information through the organization to help answer questions about community issues and also offering solutions. • Pay attention to political agendas and power relationships within a community to better understand the economic, social and political forces that shape a community. • Recruit people from the community into the organization… Show more • Forming organizations within a community that focus community leaders on problems within a neighborhood and finding solutions. • Sharing information through the organization to help answer questions about community issues and also offering solutions. • Pay attention to political agendas and power relationships within a community to better understand the economic, social and political forces that shape a community. • Recruit people from the community into the organization and help them develop their talents and skills, including potential leaders for the community. • Encourage people within a neighborhood to take public action and participate in civic life on issues that affect them. • Find and build a base of people within the community who demonstrate a commitment to tackling the issues the community faces. • Build power for the organization by helping nurture the knowledge and skills community members need to participate in the political process Show less

Chief Executive Officer

• Sep 2013 - Dec 2015

We provide the services you need to achieve full efficiency and profitability. Our recommended solutions are customized to meet the needs of your company. You chose the extent of involvement and services desired based on budget and needs. We specialize in mortgage companies’ by creating and building sales teams from licensing to loan closing. We also help professionals get connected with other professionals to maximize their skills and services. Reach out to us if you are interested in… Show more We provide the services you need to achieve full efficiency and profitability. Our recommended solutions are customized to meet the needs of your company. You chose the extent of involvement and services desired based on budget and needs. We specialize in mortgage companies’ by creating and building sales teams from licensing to loan closing. We also help professionals get connected with other professionals to maximize their skills and services. Reach out to us if you are interested in working together on the following services: • Sales Training • Event Mangement • Marketing • Recruiting • Mortgage • Financial Planning • Office Management Assessment + Planning + Implementation = Efficiency Show less We provide the services you need to achieve full efficiency and profitability. Our recommended solutions are customized to meet the needs of your company. You chose the extent of involvement and services desired based on budget and needs. We specialize in mortgage companies’ by creating and building sales teams from licensing to loan closing. We also help professionals get connected with other professionals to maximize their skills and services. Reach out to us if you are interested in… Show more We provide the services you need to achieve full efficiency and profitability. Our recommended solutions are customized to meet the needs of your company. You chose the extent of involvement and services desired based on budget and needs. We specialize in mortgage companies’ by creating and building sales teams from licensing to loan closing. We also help professionals get connected with other professionals to maximize their skills and services. Reach out to us if you are interested in working together on the following services: • Sales Training • Event Mangement • Marketing • Recruiting • Mortgage • Financial Planning • Office Management Assessment + Planning + Implementation = Efficiency Show less

Mortgage Loan Officer

• Jan 2015 - Nov 2015

Accomplishes mortgage loan human resource objectives by selecting, orienting, training, assigning, scheduling, coaching, counseling, and disciplining employees; communicating job expectations; planning, monitoring, appraising job contributions; recommending compensation actions; adhering to policies and procedures. Meets mortgage loan operational standards by contributing mortgage loan information to strategic plans and reviews; implementing production, productivity, quality, and… Show more Accomplishes mortgage loan human resource objectives by selecting, orienting, training, assigning, scheduling, coaching, counseling, and disciplining employees; communicating job expectations; planning, monitoring, appraising job contributions; recommending compensation actions; adhering to policies and procedures. Meets mortgage loan operational standards by contributing mortgage loan information to strategic plans and reviews; implementing production, productivity, quality, and customer-service standards; resolving problems; identifying mortgage loan system improvements. Meets mortgage loan financial standards by providing annual budget information; monitoring expenditures; identifying variances; implementing corrective actions. Attracts new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers. Approves mortgage loans by examining application and supporting documentation; estimating credit-worthiness; calculating repayment risk. Competes mortgage loans by monitoring collection, verification, and preparation of mortgage loan documentation; scheduling and completing mortgage loan closing. Protects bank's image by keeping mortgage loan information confidential. Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations. Show less Accomplishes mortgage loan human resource objectives by selecting, orienting, training, assigning, scheduling, coaching, counseling, and disciplining employees; communicating job expectations; planning, monitoring, appraising job contributions; recommending compensation actions; adhering to policies and procedures. Meets mortgage loan operational standards by contributing mortgage loan information to strategic plans and reviews; implementing production, productivity, quality, and… Show more Accomplishes mortgage loan human resource objectives by selecting, orienting, training, assigning, scheduling, coaching, counseling, and disciplining employees; communicating job expectations; planning, monitoring, appraising job contributions; recommending compensation actions; adhering to policies and procedures. Meets mortgage loan operational standards by contributing mortgage loan information to strategic plans and reviews; implementing production, productivity, quality, and customer-service standards; resolving problems; identifying mortgage loan system improvements. Meets mortgage loan financial standards by providing annual budget information; monitoring expenditures; identifying variances; implementing corrective actions. Attracts new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers. Approves mortgage loans by examining application and supporting documentation; estimating credit-worthiness; calculating repayment risk. Competes mortgage loans by monitoring collection, verification, and preparation of mortgage loan documentation; scheduling and completing mortgage loan closing. Protects bank's image by keeping mortgage loan information confidential. Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations. Show less

Insurance Broker

• Jun 2014 - Feb 2015

-Developing and implementing business and marketing plans -Prospecting for potential clients using professional skills and knowledge for target markets -Discussing financial concerns and needs of individuals to help them prioritize their goals -Presenting potential solutions using New York Life products and services -Develops base for long-term sources of clients by using referrals, occupational, and special-interest groups to compile lists of prospects. -Approaches potential… Show more -Developing and implementing business and marketing plans -Prospecting for potential clients using professional skills and knowledge for target markets -Discussing financial concerns and needs of individuals to help them prioritize their goals -Presenting potential solutions using New York Life products and services -Develops base for long-term sources of clients by using referrals, occupational, and special-interest groups to compile lists of prospects. -Approaches potential clients by utilizing mailings and phone solicitation; making presentations to groups at company-sponsored gatherings; speaking publicly to community groups on the subject of financial well-being. -Determines clients' particular needs and financial situations by scheduling fact-finding appointments; determining extent of present coverage and investments; ascertaining long-term goals. -Develops a coordinated protection plan by calculating and quoting rates for immediate coverage action and long-term strategy implementation. -Obtains underwriting approval by completing application for coverage. Completes coverage by delivering policy; planning future follow-up visits and evaluations of needs. -Provides continuing service by providing direct deposit forms; processing changes in beneficiary and policy loan applications. -Provides death benefits by delivering policy proceeds; reassessing client needs. -Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations. -Enhances insurance agency reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments. Insurance Agent Skills and Qualifications: Prospecting Skills, Meeting Sales Goals, Motivation for Sales, Selling to Customer Needs, Client Relationships, People Skills, Product Knowledge, General Math Skills, Organization, Dependability, Statistical Analysis Show less -Developing and implementing business and marketing plans -Prospecting for potential clients using professional skills and knowledge for target markets -Discussing financial concerns and needs of individuals to help them prioritize their goals -Presenting potential solutions using New York Life products and services -Develops base for long-term sources of clients by using referrals, occupational, and special-interest groups to compile lists of prospects. -Approaches potential… Show more -Developing and implementing business and marketing plans -Prospecting for potential clients using professional skills and knowledge for target markets -Discussing financial concerns and needs of individuals to help them prioritize their goals -Presenting potential solutions using New York Life products and services -Develops base for long-term sources of clients by using referrals, occupational, and special-interest groups to compile lists of prospects. -Approaches potential clients by utilizing mailings and phone solicitation; making presentations to groups at company-sponsored gatherings; speaking publicly to community groups on the subject of financial well-being. -Determines clients' particular needs and financial situations by scheduling fact-finding appointments; determining extent of present coverage and investments; ascertaining long-term goals. -Develops a coordinated protection plan by calculating and quoting rates for immediate coverage action and long-term strategy implementation. -Obtains underwriting approval by completing application for coverage. Completes coverage by delivering policy; planning future follow-up visits and evaluations of needs. -Provides continuing service by providing direct deposit forms; processing changes in beneficiary and policy loan applications. -Provides death benefits by delivering policy proceeds; reassessing client needs. -Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations. -Enhances insurance agency reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments. Insurance Agent Skills and Qualifications: Prospecting Skills, Meeting Sales Goals, Motivation for Sales, Selling to Customer Needs, Client Relationships, People Skills, Product Knowledge, General Math Skills, Organization, Dependability, Statistical Analysis Show less

Political Columnist

• Aug 2015 - 2015

Specialized in writing editorials articles that focus on government, current events, the political process, electoral campaigns and candidates. The Opinion Page has current financial, local news and information for the Hispanic community. Specialized in writing editorials articles that focus on government, current events, the political process, electoral campaigns and candidates. The Opinion Page has current financial, local news and information for the Hispanic community.

Executive Director of Administration

• Sep 2013 - Jun 2014

•Plan, develop, organize, implement, direct and evaluate the organization's administration function and performance. •Participate in the development of the corporation's plans and programs as a tactical partner in evaluating and advising on the impact of long-range planning and regulatory action on the areas of responsibility. •Develop credibility by providing timely and accurate analyses of target budgets, project proposals and business trends in the multiple administrative areas in… Show more •Plan, develop, organize, implement, direct and evaluate the organization's administration function and performance. •Participate in the development of the corporation's plans and programs as a tactical partner in evaluating and advising on the impact of long-range planning and regulatory action on the areas of responsibility. •Develop credibility by providing timely and accurate analyses of target budgets, project proposals and business trends in the multiple administrative areas in order to assist the CEO/president •Enhance and/or develop, implement and enforce policies and procedures of the organization by way of systems that will improve the overall operation and effectiveness of the corporation •Evaluate the administrative division structure and team plan for continual improvement of the efficiency and effectiveness of the group as well as providing individuals with professional and personal growth with emphasis on opportunities within the company •Directs the design, planning, and implementation of corporate training programs, and procedures. •Approves new training techniques and suggests enhancements to existing training programs. •Oversees relationships with vendors to ensure employee participation in outside training programs. • Tracks NRF compliance training • Assign and track Technology Training (Computer applications, Encompass) •Draft an effective strategy and develop the company-training curriculum. •Execute different compliance & mortgage training programs for different company departments •Implementation of development training programs •Long term/strategic Training development planning •Upholding curricular standards of quality and knowledge for NRF Show less •Plan, develop, organize, implement, direct and evaluate the organization's administration function and performance. •Participate in the development of the corporation's plans and programs as a tactical partner in evaluating and advising on the impact of long-range planning and regulatory action on the areas of responsibility. •Develop credibility by providing timely and accurate analyses of target budgets, project proposals and business trends in the multiple administrative areas in… Show more •Plan, develop, organize, implement, direct and evaluate the organization's administration function and performance. •Participate in the development of the corporation's plans and programs as a tactical partner in evaluating and advising on the impact of long-range planning and regulatory action on the areas of responsibility. •Develop credibility by providing timely and accurate analyses of target budgets, project proposals and business trends in the multiple administrative areas in order to assist the CEO/president •Enhance and/or develop, implement and enforce policies and procedures of the organization by way of systems that will improve the overall operation and effectiveness of the corporation •Evaluate the administrative division structure and team plan for continual improvement of the efficiency and effectiveness of the group as well as providing individuals with professional and personal growth with emphasis on opportunities within the company •Directs the design, planning, and implementation of corporate training programs, and procedures. •Approves new training techniques and suggests enhancements to existing training programs. •Oversees relationships with vendors to ensure employee participation in outside training programs. • Tracks NRF compliance training • Assign and track Technology Training (Computer applications, Encompass) •Draft an effective strategy and develop the company-training curriculum. •Execute different compliance & mortgage training programs for different company departments •Implementation of development training programs •Long term/strategic Training development planning •Upholding curricular standards of quality and knowledge for NRF Show less

Vice President of Corporate Training

• 2012 - 2013

-Defined, developed, created and executed a training and development department for American Financial Resources - Monitored and maintained staff performance and implemented company compliance and education for over 500 employees - Partnered with other departments within the company to build strong working relationships to improve workflow, systems and organization Competencies - Strategic Thinking - Problem Solving/Analysis - Financial Management - Project… Show more -Defined, developed, created and executed a training and development department for American Financial Resources - Monitored and maintained staff performance and implemented company compliance and education for over 500 employees - Partnered with other departments within the company to build strong working relationships to improve workflow, systems and organization Competencies - Strategic Thinking - Problem Solving/Analysis - Financial Management - Project Management - Communication Proficiency - Personal Effectiveness/Credibility Show less -Defined, developed, created and executed a training and development department for American Financial Resources - Monitored and maintained staff performance and implemented company compliance and education for over 500 employees - Partnered with other departments within the company to build strong working relationships to improve workflow, systems and organization Competencies - Strategic Thinking - Problem Solving/Analysis - Financial Management - Project… Show more -Defined, developed, created and executed a training and development department for American Financial Resources - Monitored and maintained staff performance and implemented company compliance and education for over 500 employees - Partnered with other departments within the company to build strong working relationships to improve workflow, systems and organization Competencies - Strategic Thinking - Problem Solving/Analysis - Financial Management - Project Management - Communication Proficiency - Personal Effectiveness/Credibility Show less

Contract Mortgage Consultant & Processor

• Mar 2012 - Jul 2012

Contract Mortgage Consultant & Processor

• Aug 2010 - Feb 2012

Mortgage Processor Supervisor

• 2004 - 2009

-Funded FHA, VA, Conventional, HELOC's loans purchase and refinances. -Generated loan funding packages by gathering requirements from multiple sources. -Evaluated documentation to ensure compliance with laws and regulation for mortgage loans. -Assisted and guided new and repeated clients in the area of real estate. -Interviewed clients, pre-qualified, processed and prepared clients for their closing. -Investigated and resolved any discrepancies in their applications and… Show more -Funded FHA, VA, Conventional, HELOC's loans purchase and refinances. -Generated loan funding packages by gathering requirements from multiple sources. -Evaluated documentation to ensure compliance with laws and regulation for mortgage loans. -Assisted and guided new and repeated clients in the area of real estate. -Interviewed clients, pre-qualified, processed and prepared clients for their closing. -Investigated and resolved any discrepancies in their applications and documentation. -Confirmed all dependencies for funding package have been met before submission to escrow. -Reviewed loan-funding packages for accuracy including appropriate company charge fees, data consistency, and total completeness. -Made determinations of eligibility and/or ineligibility for loan programs. -Gathered and entered data entry of customer information on computer software. -Searched for the best programs for clients and provided information and advice on options. -Took part in public relations through participation in community activities such as housing fairs and conventions. -Locked in the interest rate and helped determined the rebates for over 40 Loan Officers Show less -Funded FHA, VA, Conventional, HELOC's loans purchase and refinances. -Generated loan funding packages by gathering requirements from multiple sources. -Evaluated documentation to ensure compliance with laws and regulation for mortgage loans. -Assisted and guided new and repeated clients in the area of real estate. -Interviewed clients, pre-qualified, processed and prepared clients for their closing. -Investigated and resolved any discrepancies in their applications and… Show more -Funded FHA, VA, Conventional, HELOC's loans purchase and refinances. -Generated loan funding packages by gathering requirements from multiple sources. -Evaluated documentation to ensure compliance with laws and regulation for mortgage loans. -Assisted and guided new and repeated clients in the area of real estate. -Interviewed clients, pre-qualified, processed and prepared clients for their closing. -Investigated and resolved any discrepancies in their applications and documentation. -Confirmed all dependencies for funding package have been met before submission to escrow. -Reviewed loan-funding packages for accuracy including appropriate company charge fees, data consistency, and total completeness. -Made determinations of eligibility and/or ineligibility for loan programs. -Gathered and entered data entry of customer information on computer software. -Searched for the best programs for clients and provided information and advice on options. -Took part in public relations through participation in community activities such as housing fairs and conventions. -Locked in the interest rate and helped determined the rebates for over 40 Loan Officers Show less

M1 ARMOR CREWMAN (19K)

• 2000 - 2002

In 1988, Hohenfels became the home of the Combat Maneuver Training Center (CMTC), the mission of which was to provide realistic combined arms training for the United States Army, Europe, and Seventh Army's maneuver battalion task forces in force-on-force exercises. Exercises revolve around the fictional nation of Danubia and its three provinces of friendly Sowenia, hostile Vilslakia, and neutral Jursland. The OPFOR represents the fictional army of Danubia. The 1st Battalion, 4th Infantry… Show more In 1988, Hohenfels became the home of the Combat Maneuver Training Center (CMTC), the mission of which was to provide realistic combined arms training for the United States Army, Europe, and Seventh Army's maneuver battalion task forces in force-on-force exercises. Exercises revolve around the fictional nation of Danubia and its three provinces of friendly Sowenia, hostile Vilslakia, and neutral Jursland. The OPFOR represents the fictional army of Danubia. The 1st Battalion, 4th Infantry Regiment represented the "4th Guards Motorized Rifle Regiment". M113A2s are used to replicate Soviet BMP-2 IFVs and M60A3 tanks are used to replicate Soviet T-80 tanks. In December 2005 the CMTC was transformed and officially named the Joint Multinational Readiness Center (JMRC), part of the Joint Multinational Training Center (JMTC) which oversees training of all of U.S. Army Europe (USAREUR). Operate tracked and wheeled vehicles over various terrain Use communications equipment to receive and relay battle orders Load and fire guns Read maps, compasses and battle plansTank operations Armor offensive and defensive tactics Map reading and scouting techniques Field combat strategy Show less In 1988, Hohenfels became the home of the Combat Maneuver Training Center (CMTC), the mission of which was to provide realistic combined arms training for the United States Army, Europe, and Seventh Army's maneuver battalion task forces in force-on-force exercises. Exercises revolve around the fictional nation of Danubia and its three provinces of friendly Sowenia, hostile Vilslakia, and neutral Jursland. The OPFOR represents the fictional army of Danubia. The 1st Battalion, 4th Infantry… Show more In 1988, Hohenfels became the home of the Combat Maneuver Training Center (CMTC), the mission of which was to provide realistic combined arms training for the United States Army, Europe, and Seventh Army's maneuver battalion task forces in force-on-force exercises. Exercises revolve around the fictional nation of Danubia and its three provinces of friendly Sowenia, hostile Vilslakia, and neutral Jursland. The OPFOR represents the fictional army of Danubia. The 1st Battalion, 4th Infantry Regiment represented the "4th Guards Motorized Rifle Regiment". M113A2s are used to replicate Soviet BMP-2 IFVs and M60A3 tanks are used to replicate Soviet T-80 tanks. In December 2005 the CMTC was transformed and officially named the Joint Multinational Readiness Center (JMRC), part of the Joint Multinational Training Center (JMTC) which oversees training of all of U.S. Army Europe (USAREUR). Operate tracked and wheeled vehicles over various terrain Use communications equipment to receive and relay battle orders Load and fire guns Read maps, compasses and battle plansTank operations Armor offensive and defensive tactics Map reading and scouting techniques Field combat strategy Show less