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Michael J. Rafael2775 Mesa Verde Dr. East #X 103Costa Mesa, CA 92626714.721.9966mrfcf636@westpost.net

ObjectiveAn employment opportunity where performance and organizational skills will be utilized to enhance revenue growth and profit, customer loyalty and employee development.Qualifications* 20+ years experience in most facets of the mortgage lending and financial industry* Managed teams of Account Managers, Loan Processors and Underwriters* Utilized analytical skills to validate loan application(s) and program solutions* Achieved numerous recognitions, rewards and bonusesExperienceSandpiper Land Care 2006 to present/Debtors Protection Group- 2008-PresentAssistant to the president of Sandpiper Land Care-part time/to present. Responsibilities include a variety of duties: initial landscape drawings for submittal to engineering firms: create cost estimates: obtain applicable permits for initial and final inspection(s). Currently employed -Cygni Capital/Debtors ProtectionGroup- Obtain necessary documentation from client to deliver a comprehensive mo

dification package pursuant to lender/government guidelines. Negotiate and review modification approval to ensure client benefit.Senior Credit Officer-First NLC Financial- 2003-2005Responsibilities included managing a staff of Account Managers, Underwriters andFunders. Monitored daily workloads for all team members. Re-worked and re-structured mortgage loans as necessary. Adhered to Federal, State and Company guidelines with regard to the Real Estate Settlement Protection Act laws. Consistentlymet monthly funding goal of $20-30 million per month. Recommended necessary changes in relation to loan processing to Senior Management.Senior Credit Officer-Finance America, LLC-2000-2003Managed a staff of Underwriters, Funders and Account Managers. Ensured daily workload(s) for all team associates were followed to the company rule(s). Assistedunderwriters in the re-working and re-structuring of loans as necessary. Consist

ently achieved monthly funding goal of $30-$35 million per month as set forth bythe company.

Michael J. Rafael Page 2Co-Founding Partner & Assistant Vice President of Loan Origination-E-Mortgage Exchange-1998-2000Solicited and consulted prospective customers ; prepared /completed the initialloan application. Gathered and collected all applicable information/documentation from the client and packaged the loan file for processing. Assisted loan processor(s) in obtaining the real estate appraisal(s), preliminary title report(s)and escrow instructions. Applied the appropriate loan program(s) pursuant to customer's request which best suited customer needs. Prepared loan package(s) for delivery to the appropriate lending institution.

Senior Account Manager-Fieldstone Mortgage Company-1997-1998Responsibilities included receipt of the initial loan file from underwriter, then contacting the mortgage broker to inform them of the disposition (either approval or denial). Consulted with mortgage broker and provided viable options in relation to loan denial. Requested and obtained loan conditions as set forth on the loan approval by the underwriter. Signed conditions off on the loan approval form when applicable. Remained in contact with broker(s) to ensure smooth and timely processing and closing.Post Funding Audit Manager -Task Team Manager/Risk Management -Long Beach Mtg. Co. -1988-1997

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Executed due diligence reporting via a comprehensive mortgage loan audit. This involved a complete re-underwriting, re-processing and re-funding of closed mortgage loans. Reverified all documentation in the loan file inclusive of the initial loan application to the review of the final funding figure to ensure all regulatory and company guidelines were followed throughout the entire loan process. Reported all discrepancies to Senior Management for review and assisted in the implementation of changes as necessary.Quality Control Auditor-Glenfed Mortgage Corporation-1986-1988Performed complete audit(s )of all primary legal loan documentation in the loanfile for accuracy and completeness. These documents included the promissory note, the recorded deed of trust and the final housing and urban development form. Made all necessary corrections to related documentation and reported to Senior Management for review.Education and Industry TrainingSan Diego State University-1983-1985-PsychologyOrange Coast Community College-1981-1983-General educationVarious professional classes include; loan processing, analyzing credit reports,underwriting and real estate appraisal principle(s).