Loan Officer

SUMMARY
A career in mortgage lending and real estate closings and practices has led me to the position of pre-foreclosure counseling. With each passing year working in the non-profit arena, I am realizing my full potential. I have strong work ethics and believe this contributes to my success. I began working for attorneys that specialized in the relocation of employees of Fortune ••••• Companies. In that capacity, searched titles, prepared deeds, prepared settlement statements and attending closings on behalf of the Seller. Exposure to lending encouraged a successful career in loan originations for twelve years, averaging ••••• ••••• million a year in closed loans. With my primary focus being to assist people attain their financial goals, working with non-profit organization began. Starting with refugee assimilation issues and moving to coordinating a loan program for the elderly and disabled, I currently hold a position in pre-foreclosure counseling. With each position, I have improved the efficiency of the program in order that greater results were achieved. I believe my abilities would work well for your organization.
PROFESSIONAL BACKGROUND•••••
Community Teamwork, Inc
Lowell, MA

January ••••• to Present
Homeownership Programs Manager,
Foreclosure Prevention Counselor

Overseeing three programs, The State Modification Loan Program for the elderly and the disabled, First Time Homebuyer Counseling, and Foreclosure Prevention. Currently, act as a counselor for foreclosure prevention and reverse mortgage counseling. This includes analyzing data and providing options to clients beginning with budget counseling. Preventing foreclosure is the primary purpose in addition to counseling and education. Review financial information from clients who are in imminent default or in active foreclosure. Educate homeowners about options available for home retention and work with loss mitigation departments to facilitate solutions. Assist with exit strategies when home retention solutions cannot be reached. Referrals for financial assistance programs, short sales, legal aid aide apartment search are types of assistance provided.
In fiscal year •••••, counseled over ••••• clients facing foreclosure
Over ••••• modifications were offered
Short sales have been successfully closed
Serve on the Merrimack Valley Foreclosure Task Force and Legislative Committee


Home Modification Loan Coordinator
Loan program for the elderly, disabled and adults with disabled children that enables people live independently and restore dignity. Territory covered ••••• cities and towns in Massachusetts. Outreach efforts are accomplished by way of cold calls and workshops. Accomplished a revised accounting system that brought the program in compliance while increasing loan production by ••••• percent. Responsibilities included outreach, loan application and processing, preparation of loan documents, loan closing, recording of documents and disbursing funds to contractors and borrowers.
Responsible for lending ••••• million in new contract funds for fiscal ••••• (max. loan amt. $•••••,•••••)
Managed ••••• million dollars servicing portfolio
Increased volume of loans written and closed for fiscal ••••• by ••••• percent
Reviewed all loans disbursed over a nine year period and reconciled accounts
Was recognized by CTIs Board for putting program in compliance and successfully completing QuickBooks installation

International Institute of NH,
Manchester NH
May ••••• to December •••••
Office Assistant
Helped assimilate paperwork for immigrants and refugees in the Greater Manchester Area to become U.S. citizens. Reconciled bank statements and escrow accounts for the agency. Worked with refugees during the summer farming programs by demonstrating farming techniques and meal preparation.

Goldstein, Handler & Levine, P.A.
Bethesda MD
February •••••April •••••
Legal Assistant to Jerry Goldstein, Senior Partner•••••
Worked with senior partner of law firm with primary emphasis on residential real estate involving loan closing documents, title insurance binders and disbursements.


Colonial Mortgage Company (CFX)
Amherst NH
December ••••• January •••••
Senior Mortgage Financial Consultant
Residential loan officer for Southern New Hampshire. Worked with clients with poor credit and advised them in credit repair. Many clients were able to purchase homes at a later date.
Served on the Education Committee of the Mortgage Bankers Association
Conducted First Time Home Buyer seminars
Closed between ••••• and ••••• million dollars in loans annually

Shawmut Mortgage Company,
Portsmouth NH April ••••• December •••••
Mortgage Loan Officer
Loan officer for Southern New Hampshire territory.
Closed between ••••• - ••••• million annually.

GMAC Mortgage Company
Bedford NH
May ••••• April •••••
Mortgage Financial Consultant
Loan officer for Southern New Hampshire territory. Closed between ••••• ••••• million annually.
Equally divided pipeline between federally insured programs and conventional products
National Salesperson Award
•••••
EDUCATION
Rivier College and Hesser College Paralegal Degree
Northern Essex College Associates Degree

SOFTWARE PROFICIENCY
Microsoft Office, Excel, PowerPoint, QuickBooks Non-Profits, industry specific data management programs