Sales Real Estate

Nikia R. Watts

**** *. ******** ******

San Bernardino, CA 92405

909-***-**** Cell

Objective:

To work in a professional environment where I am able to illustrate my

strengths and advance with the company I gain employment with.

Related areas of expertise are:

. Real Estate Sales/Lending Practices extensive experience in REO/Short Pay

Transactions.

. Constant contact with clients for updates on the process of home

buying/selling.

. Credit Analysis.

. Typing 60 words per minute.

. Proficient use of various types of software.

. Productivity Improvement.

. Establishing and maintaining good working relationships with outside

vendors.

Work Experience:

Rose International (Bank of America) Ontario, CA 6/2009 - 9/2009 (Laid off)

Loan Processor

. Open file with contact to clients advising of the home loan process.

. Prepare lender disclosures per RESPA requirements and send to clients.

. Process loans with working knowledge of various lender guidelines for all

conventional/FHA short sales & REO transactions.

. Manage 60-100 loan files efficiently.

.Establishing and maintaining good working relationships with company

vendors & REO account managers with various banks.

. Work very closely with escrow and title making sure all liens and

judgments/title reports were cleared and paid in order to meet company

goals by month end.

21st Century Investment Rancho Cucamonga, CA 7/2008- 5/2009

Loan Modification Processor

. Gather all paperwork from clients to ensure loan modification package was

complete prior to submission to lender.

. Establish that there was valid hardship and work very closely to plea

client's case to each lender in order for modifications to be completed in

the best interest of the client.

. Maintain a pipeline of 90-120 files following up daily on modifications

with account managers/banks regarding paperwork sent in on client's behalf.

Maternity/Bonding Leave 1/2008 - 7/2008

JP Morgan Chase Ontario, CA 11/2006-12/2007 (Laid off)

Sr. Loan Account Manager

. Reviewed residential loan applications to verify data was complete and

met company standards and guidelines.

. Reviewed customer credit reports in order to determine the client's

credit standing with all three credit bureau's.

. Work closely with sales agents, title and escrow companies to move all

files to closing in a timely fashion.

. Assembled and compiled documents for loan closings such as insurance

forms, loan forms, title abstracts and tax receipts.

. Complete verifications of client's employment, mortgage payments, rental

history and assets from banking institutions in order to make sure the

information on credit applications was accurate.

Independent Contractor 9/2004-11/2006

Contract Loan Processor/Mortgage Sales Originator

. Contact all potential clients via telephone to solicit my services for

purchase or refinance business.

. Establish working relationships with local real estate agents in order to

attain future business.

. Explain products and loan terms to clients in a clear and effective

manner that would promote a positive decision for them to move forward

with financing through my services.

. Pull and analyze customer credit reports to establish their ability to

qualify for financing with the lender.

. Complete client loan applications and submit to various lenders for

approval to purchase property or refinance mortgage loans.

. Work with appraisal, title and escrow companies to ensure clients a quick

closing of mortgage loans.

Education:

Century 21 Real Estate Trainers/ Ontario, CA - Certificate of Completion

Golden West College Huntington Beach, CA General Education Courses 1999 -

2000

Eisenhower High School/ Rialto, CA- Diploma 1993

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