Experience

Mpire Financial

• United States
• Financial Services
• 1 - 100 Employee

• Senior Mortgage Advisor

  • Jul 2023 - Present

  United States Educate, advise, and guide potential borrowers through the loan application process by providing information on the different loan types. Provide potential borrowers pre-qualification for loans based on credit worthiness, verification of income to pay the loan, and verifying identity through various systems and documentation. Gather documentation and loan documents needed for obtaining loan through various lending institutions. Ensure compliance with federal and state laws in accordance with… Show more Educate, advise, and guide potential borrowers through the loan application process by providing information on the different loan types. Provide potential borrowers pre-qualification for loans based on credit worthiness, verification of income to pay the loan, and verifying identity through various systems and documentation. Gather documentation and loan documents needed for obtaining loan through various lending institutions. Ensure compliance with federal and state laws in accordance with NMLS standards and maintaining licenses for states through continuing education and submission through NMLS. pfrancisco@nexamortgage.com 512-997-8669 NMLS: 1878399 Company NMLS: 1660690 FHA | VA | USDA | HomePath | Jumbo | Commercial | Conventional Refinancing? We can help you with that, too! Show less



ProVisor, Inc.

• United States
• Banking
• 1 - 100 Employee

• Branch Manager/Mortgage Loan Officer NMLS 1878399

  • Jan 2023 - Jul 2023

  ProVisor is your premier mortgage lender with over 20 years of experience, a great wealth of knowledge, and a true passion to help you with your mortgage financing. Whether you are a first time home buyer or refinancing your current home, we understand everyone’s financial situation is different and can change throughout the course of your life. With a variety of home mortgage loans to choose from, ProVisor is sure to have the best transparent mortgage solution for you.



NEXA Mortgage

• United States
• Financial Services
• 1 - 100 Employee

• Junior Partner

  • Jul 2022 - Jan 2023

  United States

• Branch Manager

  • Feb 2020 - Jan 2023

  TX, NM, CA, AZ, AL, FL, ID, TN, KS, MO, VA

• Senior Mortgage Loan Officer

  • Jan 2020 - Apr 2020

  TX, NM, CA, FL Educate, advise, and guide potential borrowers through the loan application process by providing information on the different loan types. Provide potential borrowers pre-qualification for loans based on credit worthiness, verification of income to pay the loan, and verifying identity through various systems and documentation. Gather documentation and loan documents needed for obtaining loan through various lending institutions. Ensure compliance with federal and state laws in accordance with… Show more Educate, advise, and guide potential borrowers through the loan application process by providing information on the different loan types. Provide potential borrowers pre-qualification for loans based on credit worthiness, verification of income to pay the loan, and verifying identity through various systems and documentation. Gather documentation and loan documents needed for obtaining loan through various lending institutions. Ensure compliance with federal and state laws in accordance with NMLS standards and maintaining licenses for states through continuing education and submission through NMLS. pfrancisco@nexamortgage.com 512-997-8669 NMLS: 1878399 Company NMLS: 1660690 FHA | VA | USDA | HomePath | Jumbo | Commercial | Conventional Refinancing? We can help you with that, too!



VIPKID

• United States
• E-Learning Providers
• 700 & Above Employee

• ESL Teacher

  • Dec 2017 - Feb 2020

  Beijing City, China



https://www.oldwestlending.com

• Residential & Mortgage Broker

  • Aug 2019 - Jan 2020

  El Paso, Texas Provide the consumer consultation regarding residential or commercial loans and provides advice/assistance in obtaining loans/negotiating rates to best meet the customer needs. Loan services offered for residential, refinance, investment, and commercial properties. NMLS: 1878399 7001 Westwind Dr. El Paso, TX 79912 NMLS ID 1467420 We have options • FHA/VA down to 500 FICO Score, DTI to 56% • Manual Underwriting on FHA and VA, up to 50% DTI • NO Origination… Show more Provide the consumer consultation regarding residential or commercial loans and provides advice/assistance in obtaining loans/negotiating rates to best meet the customer needs. Loan services offered for residential, refinance, investment, and commercial properties. NMLS: 1878399 7001 Westwind Dr. El Paso, TX 79912 NMLS ID 1467420 We have options • FHA/VA down to 500 FICO Score, DTI to 56% • Manual Underwriting on FHA and VA, up to 50% DTI • NO Origination Fees*, NO Underwriting Fees*, NO Processing Fees* •2 years in any job qualifies-same employer or industry not required. •Very common to get “exceptions” to many lender rules. •Investment and Commercial loans up to 80% LTV •Fix & Flip Loans up to 90% LTV •Non-Prime Loans—Bank Statements—up to 90%LTV with NO Mortgage Insurance One day after BK, Foreclosure/late payments—Cash out to $500,000 Non-warrantable Condos—Texas Cash Out loans from 500 FICO! Jumbo Loans to $3 million and up to 95% LTV with NO PMI. •640+ Score?—Average 15 day close, best rates in the country *Only FHA/VA/USDA/Conventional Loans Show less



U.S. Department of Veterans Affairs

• United States
• Government Administration
• 700 & Above Employee

• Supervisor, Budget & Payroll

  • Nov 2018 - Aug 2019

  El Paso, Texas Serves as the facility's Budget Analyst in Financial Resource Management Service (FRMS), and is directly accountable to the Chief, Financial Officer. The incumbent manages the preparation, justification, and execution of the budget for the El Paso VA Healthcare System. Supervisor of the Employee Travel and Payroll Sections. Prepares the facility's annual budget plan by employing a wide scope of analytical devices that include analysis of historical patterns, cost benefit and trend… Show more Serves as the facility's Budget Analyst in Financial Resource Management Service (FRMS), and is directly accountable to the Chief, Financial Officer. The incumbent manages the preparation, justification, and execution of the budget for the El Paso VA Healthcare System. Supervisor of the Employee Travel and Payroll Sections. Prepares the facility's annual budget plan by employing a wide scope of analytical devices that include analysis of historical patterns, cost benefit and trend analysis, operating accounts and salary projections, data retrieval from a variety of sources, and interviews with program managers and subject-matter experts. Ensures facility programs have a funding level that is adequate. Plans and coordinates the work of subordinate staff. Develops and maintains data-tracking methods that provide a pool of essential information about Fund Control Points (FCP) and salary accounts. Analyzes cost-data from various sources to prepare reports for leadership.

• Financial Analyst

  • Mar 2014 - Nov 2018

  Austin, Texas Area Provide budget support for briefings presented by the Enterprise Business Management Chief (EBM) to the Financial Services Center (FSC). Supports the EBM Chief in coordination of funding distribution for the budgets administered by the FSC; in coordinating with staff to ensure budgets are adequate for FSC needs; and funds for FSC operations are obtained timely. Manage FSC budgets; determine what information collection for budget report generation; review general ledger; and ensure expenses are… Show more Provide budget support for briefings presented by the Enterprise Business Management Chief (EBM) to the Financial Services Center (FSC). Supports the EBM Chief in coordination of funding distribution for the budgets administered by the FSC; in coordinating with staff to ensure budgets are adequate for FSC needs; and funds for FSC operations are obtained timely. Manage FSC budgets; determine what information collection for budget report generation; review general ledger; and ensure expenses are identified and are in compliance. Compile narratives; justifications and statistical materials; and prepare related background information concerning the budget and programs for use in briefing top FSC officials and senior executives in VA Central Office. Analyze budgetary and financial data for consistency with financial plans. Review quarterly reports including personnel and personal service funds for any problem areas or discrepancies. Exercise budget controls through review and approval of obligations and expenditure of funds. Prepare and submit yearly FSC budget estimates for formulation of current and long range forecasts for input into FSC Business Plan. Maintain in depth analysis of personal service funding. Provide advice and assistance for budgetary questions. Provide input to the FSC strategic plan including detailed budget justification for each service initiative as required. Highlighted Skills: • Research for cost/benefit and comparative analysis for human resources and programs of interest to the organization • Develop roadmaps for data integration; strategy development and tracked progress through milestones within the life cycle of programs • Prepare/Review/Edit technical documents and briefing materials to be presented to senior leadership • Strong interpersonal skills for presenting briefings and advising decision makers • Database entry & Microsoft Suite (particular emphasis on Excel, charts/graphs, SharePoint, & data manipulation)



Army National Guard

• United States
• Armed Forces
• 700 & Above Employee

• Military Analyst

  • Oct 2001 - Nov 2015

  Texas Recently served as a Senior Non-Commissioned Officer for intelligence operations. Have held duty positions involving Intelligence; Counterdrug Operations; Operations & Training; Finance; Planning & Acquisition; Supply & Logistics; Chaplaincy; and Combat Arms. Highlighted Skills: • Management (personnel) • Leadership • Analysis (highly diversified scope within military operations; support to law enforcement; and other federal agencies) • Research ability (for military… Show more Recently served as a Senior Non-Commissioned Officer for intelligence operations. Have held duty positions involving Intelligence; Counterdrug Operations; Operations & Training; Finance; Planning & Acquisition; Supply & Logistics; Chaplaincy; and Combat Arms. Highlighted Skills: • Management (personnel) • Leadership • Analysis (highly diversified scope within military operations; support to law enforcement; and other federal agencies) • Research ability (for military operations) • Strong interpersonal skills for presenting briefings & advising decision makers • Instructor for training & professional development • Counseling & Advocacy • Database entry/searches & Microsoft Suite (PPT & Access emphasis) Show less



Lanmark Technology Inc.

• 1 - 100 Employee

• Senior Portfolio Analyst

  • Sep 2012 - Jan 2013

  Crystal City, Va Provided support to Joint IED Defeat Organization (JIEDDO)’s Capabilities Integration Division (CID) leadership regarding multiple Counter-IED complex programs that provide cutting edge technologies for intelligence and equipment. Support the CID Chief and Deputy Chief to coordinate activities of CID contract personnel to review science and technology (S&T) initiative development plans, and monitor progress of initiatives through the Joint IED Defeat Capability Approval and Acquisition… Show more Provided support to Joint IED Defeat Organization (JIEDDO)’s Capabilities Integration Division (CID) leadership regarding multiple Counter-IED complex programs that provide cutting edge technologies for intelligence and equipment. Support the CID Chief and Deputy Chief to coordinate activities of CID contract personnel to review science and technology (S&T) initiative development plans, and monitor progress of initiatives through the Joint IED Defeat Capability Approval and Acquisition Management Process. Highlighted Skills: • Research for cost/benefit and comparative analysis for initiatives and currently existing market technologies. • Develop roadmaps for data integration; strategy development and tracked progress through milestones • Budget formulation, spending, and long-term financial planning • Prepare/Review/Edit technical documents and briefing materials according to standard operation procedures for senior leadership to be presented to Congressional leaders. • Staff action functions for liaison with outside organizational partnerships on behalf of senior leaders • Strong interpersonal skills for presenting briefings advising decision makers • Database entry & Microsoft Suite (particular emphasis on pivot tables, charts/graphs, & data manipulation) Show less



Sotera Defense Solutions, Inc.

• United States
• Defense and Space Manufacturing
• 100 - 200 Employee

• Senior Military Analyst

  • Jan 2012 - Jul 2012

  Northern Virginia Supported the Joint Improvised Explosive Device (IED) Defeat Organization (JIEDDO) Counter-IED Operations Intelligence Integration Center (COIC); with multi-intelligence analysis in support of Counter-IED efforts and operations executed by committed war fighting units. Highlighted Skills: • Analytical intelligence methodologies; fusion of multiple sources, cultural behavior analysis, capability analysis, vulnerability analysis, threat analysis • Strong interpersonal skills for… Show more Supported the Joint Improvised Explosive Device (IED) Defeat Organization (JIEDDO) Counter-IED Operations Intelligence Integration Center (COIC); with multi-intelligence analysis in support of Counter-IED efforts and operations executed by committed war fighting units. Highlighted Skills: • Analytical intelligence methodologies; fusion of multiple sources, cultural behavior analysis, capability analysis, vulnerability analysis, threat analysis • Strong interpersonal skills for presenting briefings • Research leading to development of written threat assessments of facts and threat intents • Database entry/searches & Microsoft Suite (Emphasis on PPT & Excel) Show less



United States Department of Defense

• Armed Forces
• 1 - 100 Employee

• Senior Financial Analyst

  • Jan 2010 - Dec 2011

  Austin, Texas Area (Full time support) Served as the principal financial advisor to the TX Army National Guard (TXARNG) New Equipment Training Office; performed budget analysis to include preplanning, funds allocation and financial reports. Responsible for all lines of accounting totaling over $4M received executing budget programs at a 99% successful execution rate. Provide cost benefit analysis, identification, and resolution for budgetary problems. Highlighted Skills: • Budget/Financial Analysis;… Show more (Full time support) Served as the principal financial advisor to the TX Army National Guard (TXARNG) New Equipment Training Office; performed budget analysis to include preplanning, funds allocation and financial reports. Responsible for all lines of accounting totaling over $4M received executing budget programs at a 99% successful execution rate. Provide cost benefit analysis, identification, and resolution for budgetary problems. Highlighted Skills: • Budget/Financial Analysis; reviewing financial reports, reconciling government credit cards, performing internal audits • Administrative oversight of government orders production/publishing (11,000+) and Defense Travel System (DTS) • Administrative tasks –follow up; planning & scheduling; email & memorandum correspondence; facilitating meetings/teleconferences; travel arrangements • Fiscal Law & Resource Management • Strong interpersonal skills for presenting briefings & advising decision makers • Budget Research & Microsoft Suite Show less

• Project Acquisition Management & Training Coordinator

  • Nov 2007 - Jan 2009

  Austin, Texas Area (Full time support) Responsible for coordinating acquisition, distribution and fielding of all types of vehicles, automation and weapon systems to TX Military Forces as part of the Force Modernization initiative. Planned and calculated costs associated with training for new operators at locations all over the State. Facilitated and coordinated briefings and conferences with national level organizations, program managers and manufacturers representatives. Tracked, monitored, and provided reports… Show more (Full time support) Responsible for coordinating acquisition, distribution and fielding of all types of vehicles, automation and weapon systems to TX Military Forces as part of the Force Modernization initiative. Planned and calculated costs associated with training for new operators at locations all over the State. Facilitated and coordinated briefings and conferences with national level organizations, program managers and manufacturers representatives. Tracked, monitored, and provided reports through entire the life-cycle of procurement and acquisition process to include training and fielding of equipment received by the State. Processed orders and travel for operators and training attendees. Provided financial reports and budget requests for costs associated with fielding and training events held both within State and nationally. Highlighted Skills: • Project Management; life-cycle acquisition processes and fact sheet production • Financial Analysis; reviewing financial reports, budget discrepancies, and performing internal audits • Administrative tasks –follow up; planning & scheduling; email & memorandum correspondence; facilitating meetings/teleconferences; travel arrangements • Strong interpersonal skills for presenting briefings & advising decision makers • Data entry & Microsoft Suite

• Training Technician

  • Jun 2006 - Nov 2007

  Austin, Texas Area Planned and scheduled Camp Swift training. Extensive work with tracking and managing manpower hours related to training and scheduling for the use of federal land. Operated Fire Desk software system and inputted data into database in order to display range status. Tracked and kept a filing system for proper written documentations dealing with unit training requests. Highlighted Skills: • Management – logistics, personnel training, hazardous waste • Strong interpersonal skills for… Show more Planned and scheduled Camp Swift training. Extensive work with tracking and managing manpower hours related to training and scheduling for the use of federal land. Operated Fire Desk software system and inputted data into database in order to display range status. Tracked and kept a filing system for proper written documentations dealing with unit training requests. Highlighted Skills: • Management – logistics, personnel training, hazardous waste • Strong interpersonal skills for presenting safety briefings & advising leadership • Administrative tasks –scheduling & filing; email correspondence; technical report writing (memo) & tracking • Research ability (manpower study & cost analysis) • Database entry/searches & Microsoft Suite



US Army

• United States
• Law Enforcement
• 1 - 100 Employee

• Infantryman

  • Oct 1997 - Oct 2001

  Ft Hood, TX Served as a soldier involving Combat Arms with specialized training in survival & military operations according to doctrine.