Experience

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  Fish Chips Chicken Stop

  • Oakland, California, San Leandro, CA

  • Co Owner -Restaurant Management

    • Apr 2008 - Nov 2014
    • Oakland, California, San Leandro, CA

    Fish Chips Chicken Stop.. Specializing in creole & cajun style Cooking. Recruited, hired , supervised s staff of 15 employees. Accountable for budgeting cost control, payroll , general accounting and full profits and lost.

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  Family Service Agency of San Mateo

  • San Mateo

  • Manager of Ways to Work

    • Apr 2008 - Oct 2009
    • San Mateo

    •Supervise and monitor loan processing, pre-underwriting and advocacy before loan committee for loan approval and collection/recovery activity. Presented to loan committees•Review, analyze and interpret financial statement reports, transaction and records; prepared various reports on operations and activities.•Establish and maintain cooperative relations with the public.•Answer and screen telephone calls and visitors using tact and judgment in making referral to appropriate source of information; gave information and explain policies, procedures or regulations.•Attended and made presentation at community workshops and events, and assisted in publicizing the Family Loan Program, provided monthly informational workshops for applicants

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  Hilltop Mortgage Lending Corporation

  • Fremont, CA

  • Account Executive/ Short Sale Manager

    • Apr 2004 - Apr 2008
    • Fremont, CA

    •Design and Implement systems and reports to evaluate programs.•Skilled in interpreting and applying laws, regulations, policies and procedures as they relate to property•Trained a staff of 15 on real estate market trends, loan programs, software and complex decision making.•Review loan documents for accuracy completeness and adherence to approval conditions•Establish and maintain effective cooperative relation with realtors, Investor, builder and appraiser.•Conducted First Time Homebuyer workshops for non-profit agencies.•Responded to client inquires relative to declination reason according to federal regulatory guidelines.•Handle with courtesy and tact a wide variety of public contracts by telephone and in person.•Provided ongoing technical support to staff and management.•Deal calmly and effectively with high stress situation.•Maintain current list of participant Bank(s) and corresponding CRE loan(s) which they are a participant.•Prepare correspondence and reports.•Manages the ongoing sale process, including new client sales, referrals, cross sales and retention efforts.•Assist in completing special studies, including market and financial feasibility studies.

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  Bank of America

  • Concord, Ca

  • Senior Loan Processor/ Underwriter

    • Jun 2003 - Dec 2003
    • Concord, Ca

    •Reviewed loan packages for completeness and consistently while tracking suspense/conditions with specialized software to ensure accurate exception reporting.•Conduct credit investigations, prepare credit approval reports and summarizes credit analysis.•Prepare correspondence and reports.•Experienced in wholesale, retail, builder and broker loans.•Processed upfront fees, opened escrow, ordered preliminary reports and final payoff demands.•Reviewed credit reports and conducted analysis decisions using LP/DU systems.•Underwriter for FHA, VA, CALFHA and conventional loans.•Interacted with loan consultants and brokers to ensure highest level of customer service.•Assists in tracking of all real estate property and asset management functions and property inventory.

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  OfficeMax

  • San Francisco Bay Area

  • Store Manager

    • May 2000 - Jun 2003
    • San Francisco Bay Area

    •Plan, Organize, direct and evaluate the work of employees.•Perform testing and oral interviews alone with developing recruitment plans.•Effectively promote equal opportunity in employment and maintain a work environment which is free of discrimination and harassment.•Supervise, motivate and managed a sales team of 15 – 20 employees.•Assess the training needs of employees•Implemented compensation program and policies for base pay, incentive compensation plan.•Evaluates the effectiveness of compensation programs balancing cost-effectiveness and ability to attract talent.•Completed monthly and weekly sales reports and created monthly business projections.•Assisted with OfficeMax monthly inventory and audits of company business records.•Decision maker in resolving customer service complaints, inquires or requests.•Set strategic direction and develop effective programs and policies.•Participated in formulate budget recommendation regarding increase to the salary structure, merit budget, bonus target and other programs