Barbara M Perez 19431 NW 58th Ave Miami, FL 33015

786-287-5805 bperez5775@gmail.com

OBJECTIVE To secure a position within the Mortgage Industry that will allow me to utilize my strengths such as self-motivation, professionalism, highly proficient in developing creative solutions and implementing objective decision making, while maintaining a positive attitude and working hard to build team relationships. SKILLS Customer Service, Focused, Detail Oriented, Reliable, Good Work Ethics, Excellent time management skills Excellent Communicator, Analytical, Fluent in English and Spanish Notary since 1984 Effective verbal and written communication skills Excellent Multi-Tasker Proficient in use of Outlook, Encompass360, Calyx, Adobe Pro, DU and LP Proficient knowledge of Adobe DC Pro Knowledge of TRID WORK EXPERIENCE American Bancshares Mortgage LLC (Branch just transitioned to Columbus Capital Lending LLC) Miami Lakes, FL Loan Processor March 2015 – Present All Processors functions to include Review or Personal and Business Tax Returns. Corporate Processor for 5 branches. Pipeline average of 18-20 with maximum of 28 files. Universal Mortgage & Finance, Inc., Davie, FL Sr. Mortgage Loan Processor/Processing Dept. Manager April 2014 – March 2015 At Universal my work consisted of all of the below stated to include Foreign National products and some 203K. COC's. Delegate work to one Opener, one Jr. Processor and one Administrative Asst. Implemented processing standards for branch and proper collection of fees associated with each file. Review all Applicants and give recommendations to Branch Manager Communicate effectively with LOs, Borrowers and Administration Process loans from inception to closing

Priority Lending, Cooper City, Florida Mortgage Loan Processor April 2013 – March 2014 Review loan files while working closely with Loan Originators to gather and prepare all needed documents for submission to Underwriting. Send out requests for additional information required from clients while reviewing financial data such as paystubs, tax returns and credit reports, etc. Keep all concerned parties advised as to the status of loan application and process. Prepare and submit loan package to underwriting. Ability to work closely with Underwriters, Loan Officers, Borrowers, Title Company and all concerned parties to ascertain a clear to close. HOME VENTURES, LLC/Blue Ocean Realty Group, Hallandale, Florida Short Sale Specialist May 2008 – June 2010 As a Short Sale Specialist I effectively created standards for processing and negotiating mortgage short sales for private investors, as I was the first person hired for this newly established company. My mortgage originating and processing background was pivotal therefore allowing the company to move forward and later becoming a fully staffed office of 15+ within their first year. Benchmark Mortgage, Miami Lakes, Florida Net Branch Manager February 2005 – April 2008 Opened and managed Benchmark Mortgage net branch, managing 5+ Originators as well as originating my own loans and processing all office mortgages. All bookkeeping and maintaining compliance associated with running a mortgage loan office. Adhered to all federal and state compliance guidelines relative to retail mortgage lending. Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan. Educated both Originators as well as Customers on the variety of loan products and available credit options while providing expert financial advice on all mortgage products. Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports. Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers. Payless Mortgage, Hialeah, Florida Originator/Processor October 1997 – January 2005 Assisted senior-level Loan Officers with complex loan applications, adhering to all federal and state compliance guidelines relative to retail mortgage lending. Performed daily maintenance of the loan applicant database, analyzing applicants' financial status, credit and property evaluation to determine feasibility of granting loan. Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and

fee waivers. Educated customers on the variety of loan products and available credit options. Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports. Provided expert financial advice on mortgage loans. Financial Empire Mortgage, Pembroke Pines, Florida Office Manager January 1995 – October 1997 Office Administration. Interviewed potential Loan Officers and Processors. Interviewed potential Lender relationships, reviewed Lender contracts and recommendations to seniors. All bookkeeping with compliance to all State regulations as it pertained to the originating and disbursement of and related to Mortgage Origination. A/R, A/P and Payroll using Quickbooks. Implemented Mortgage processing software and procedures. Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan. Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports. Researched insurance information and flood certificates. Provided expert financial advice on mortgage loans. EDUCATION Mortgage Broker's Lic. 1995 - 2010 Ft. Lauderdale College Ft. Lauderdale, Florida BS in Legal Assistant 1994 Miami Dade College Miami, Florida AA in Psychology 1990