Quality Control Manager

SALMA A. ASGHARI

**** *. ****** ***. *******, CA 94545

Cell: 925-***-****

Email: abmcc5@r.postjobfree.com

Multi-talented, competent professional seeking a position with a successful

organization needing a major contributor to achieve goals and objectives.

EXPERIENCE:

1/07- 6/10 WSM REALTY

PLEASANTON, CA

PROCESSING/LOAN STRUCTURE

. Collecting all necessary documentation for loan processing.

. Calculation of DTI, LTV, Fee's, Taxes, Insurance, and MI. Processing

Conforming Loans and Jumbo Loans.

. Manageing Loans to be in the criteria of guidelines of the bank.

. Working with verities of wholesale and retail banks.

. Interacting with the Account Manager and Underwriters to close out

loans in a timely manner.

. Working with Realest Agents and Mortgage Broker to ensure Loans meet

the satisfactions of the banks.

. Interacting with Title companies and Escrow officers

1/04-12/06 HILLTOP LENDING CORP.

PLEASANTON, CA

UNDERWRITER

. Underwrote wholesale conventional mortgage applications, reviewed and

approved income, credit, and collateral. Maintained a monthly

pipeline of 80 to 100 loans.

. Work with Account Executives, Mortgage Brokers, and Management to

ensure applicants meet, Fannie Mae, and Freddie Mac guidelines.

. Underwrite conforming and non conforming home mortgage applications.

Complete quality control audits at prefund stage to ensure compliance

with federal and investor regulations.

. Managed quality control audits to ensure funded loans meet regulatory

compliance, worked closely with loan legal to resolve any issues

outside of standard guidelines.

. Looking after the authenticity of the document information before

processing the loans.

. Reviewed information on mortgage loan documents to determine if buyer,

property and loan conditions met establishment and government

standards.

. Review, calculate and approve income, LTV, credit and collateral.

. Asking for more document proof, if existing document proofs are found

doubtful.

. Approved and denied applicants, following mortgage guidelines.

. Confirmed the capability of client in returning the loan on time.

.

01/02-12/03 HILLTOP MORTGAGE

SAN JOSE, CA

ACCOUNT EXECUTIVE/LOAN CONSULTANT

. Generated loans through referrals.

. Increased business through use of excellent sale/presentation skills

and successful marketing methods.

. Interacted directly with clients.

. Evaluated applicants financial status and loan applications.

. Responsible for solving all queries and problems of customers.

05/00- 12/01 MITSUBISHI CORP.

FREMONT, CA

FINANCE ASSISTANT

. Process and analyze credit applications from auto dealerships to

determine customer's credit worthiness and repayment ability.

. Follow up and negotiate cutbacks and approvals to capture contracts,

work closely with Marketing Managers to keep current business and sell

to develop new business.

. Follow up with banks and funding car loans.

EDUCATION: June 2002 CAL -STATE HAYWARD G.E.

HAYWARD, CA

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