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PROFESSIONAL EXPERIENCE
MORTGAGE
CONTRACT
SPECIALIST
Washington Capitol
Financial
Corporation
Rockville, MD
11/2003
- 3/2009
Completed
Federal
Government Contracting Certification Program. Participated
in five
federal contracting courses: World of Government Contracting,
Timekeeping and
Labor Regulations for Federal Contractors, Federal Acquisition
Regulations
(FAR) and Cost Accounting Standards (CAS), Federal Contract Procurement
Cycle,
and Accounting for Federal Contracts and Dealing with Audits. Received
80 hours
of instruction and gained an in-depth knowledge of all aspects of the
federal
contracting process.
Managed
and
administered all facets of contracts between Fannie Mae,
Veterans
Administration, US banks, and client. Oversaw contractual actions from
pre-award to post-award, including initial planning, contract awards,
invoicing, and administration for more than 20 contracts annually.
Negotiated,
drafted, and administered mortgage contracts for diversified product
lines.
Provided leadership and expertise for contract administration and
procurement
for residential mortgages. Prepared loan submission packages and
initiated
change orders and amendments requested by all parties. Analyzed and
researched
market conditions and possible lending institutions. Monitored changing
costs
to obtain best pricing for client. MENTORED new mortgage contract
specialists.
DETERMINED LOAN
REQUIREMENTS AND APPROPRIATE ACTION based upon
client’s specific needs and goals. Verified and assessed
credit scores and
reasons for low scores if applicable; amount of debt and assets;
income,
savings, and 401K and retirement saving; type of employment and job
title,
length of employment, and likelihood of continued employment; value and
age of
house; and client’s future needs and goals. If client met
loan requirements,
application for new mortgage or loan modification was next step.
ANALYZED, RESEARCHED, AND
EVALUATED banks proposed pricing,
interest rates, loan amounts, and economic trends through various
government and
media announcements. Monitored websites of financial institutions,
mortgage
association, and government financial agencies to gather most current
information and predictions.
Contacted
mortgage
lenders to acquire bids and proposals to ensure best
pricing for client.
Gained knowledge of suppliers through local colleagues, associations,
Fannie
Mae, and other sources to determine best bank to issue
client’s loan. Drafted
bid tabulation to determine top qualified lender-bidder. Reviewed
proposals
from lenders against their previous history, expenditures and rates.
Determined
price reasonableness, negotiated best value, and conducted post-bidding
phone
interviews with possible lenders. Prepared and disbursed solicitation
requests.
Improved work performance , ensuring QUALITY CONSISTENCY by using
pre-qualified, proven performers.
IDENTIFIED AND INITIATED
CORRECTIVE ACTIONS
for clients unable to pass rigorous
underwriting process in order to make them more credit worthy. Assisted
client
in improving credit scores. Instructed clients in good financial
practices as
always paying bills on time, and paying off credit cards monthly,
having
several credit cards, and disputing erroneous items on credit reports.
Successfully assisted four families avoid foreclosure by negotiating
with banks
to lower interest rates, thereby lowering monthly payments. Established
and
administered internal QUALITY CONTROL.
Worked
with title
attorneys and banks to create legal and binding contractS
between client
and bank. Included standard and specialized documentation and reasons
for
approving or rejecting loan request.
SERVED
AS POINT OF CONTACT AND ADMINISTERED CONTRACT; after
submission, continually followed-up with underwriters, appraisers,
title
attorneys, realtors, and client to respond to questions or requests.
Ensured
that bank and all other parties followed federal regulations and terms
of
contract, including interest rates, closing costs, length, and amount
of loan.
Once the loan was approved, scheduled award closing and follow-up.
Initiated
agreements with appraisers, title companies, home insurers, and
lenders. Asked
that they respond within two hours to inquiries. This minimized
response time
for corrective actions and increased turnaround time efficiency.
OWNER,
WEB DESIGNER,
GOVERNMENT CONTRACTOR
Hugo Robinson Web Consulting
See old
HugoRobinson.com website
Kensington,
MD
1/1998-10/2003
PROVIDED
CUSTOMER SUPPORT to a US Department of Health and
Human Service (HHS) contractor in order to resolve complaints from
sight-impaired users. These individuals were not able to read the pages
of the
HHS website because of poor or non-existent eyesight. By adding
specialized
HTML code to each page, I reorganized
top 100 website pages to be compliant with Section 508 of the Americans
with
Disabilities Act (ADA), allowing sight-impaired customers to
“read” the HHS
website.
Founded
and grew web
design company whose mission was to provide exceptional
internet design
and web maintenance services. Marketed for new income sources. Designed
websites for numerous small businesses and non-profits and maintained
and
updated their pages upon request.
Designed
and
maintained interdepartmental webSITE for US Department of
Energy
contractor, Z Inc., of Silver
Spring, MD.
Interviewed each department
member to determine departmental needs. Designed prototype website and
made
considerable changes with member feedback.
Maintained
training
website for US Air Force subcontractor, ScienceWise.com,
of Gaithersburg, MD.
Made daily changes to keep website up to date.
FOUNDER
AND PAST PRESIDENT of DC Pixels Web Association. This
association consisted of web designers in the Washington, DC
area; mission to instruct it’s members of new developments in
web design.
Because no similar association existed at that time, I organized web
designers
with similar interests. Organized monthly meetings, found speakers and
promoted
membership.
Additional
Experience
ACCOUNTANT
Robert
Half Accounting Temps
Washington,
DC
3/1991-1/1993
Provided
accounting
services to several LOCAL ORGANIZATIONS. Assisted
government accounting
contractor, Pacific Architects and Engineers, in updating general
ledger and
financial statements; resulted in renewal of multimillion contract.
Organized
bookkeeping for Bell Multicultural, a Washington, DC
alternative
high school,
allowing them to finally pass government audit. Managed one-person
Accounts
Receivable, Accounts Payable and Payroll department.
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