Lois F.

Rivera
1700 6th St NW Apt. C-37
Winter Haven, Florida 33881
Home: 863-291-0967
Email: lr64652e@westpost.net

SUMMARY: Mortgage Lending professional with more than 30 years experience in the
Residential Mortgage Loan Industry
Extensive banking background with mortgage lending emphasis
Mortgage Loan pre-underwriting, processing and closing
Automated Underwriting System input (DU-LP etc)
Knowledge of FHA, VA, USDA, CONV Programs
Strong communication and organizational skills
Bi-lingual - Fluent in Spanish and English - interpret loan documents (written a
nd verbally)
Mortgage software knowledge (Calyx Point, Genesis and Byte)
Computer functional

PROFESSIONAL EXPERIENCE

Flagship Mortgage Banc, Inc, Winter Haven, Florida (Out of Business)

June-2001 - January 2009
Sr. Processor/Loan Officer Assistant Interpreter/Translator
Obtain file from Loan Officers, review loan applications and documentation provi
ded. i.e.: review bank statements, credit reports, scores, letters of explanatio
n, paystubs, W-2's or IRS tax returns and all other income and asset documentati
on.
Processed FHA, VA, USDA, and fixed rate Conventional loans.
Checked to make sure all disclosures were accurate and complete.
Presented credit file to Underwriter for approval.
Order appraisal, title work,survey, and hazard insurance for new mortgagee claus
e
Sent approved loan package to Closer to schedule closing date.
Took loan application in Spanish for our Hispanic customers.
Software used was Byte. Attended several seminars through Flagship Mortgage in t
he following categories: USDA, FHA, Appraisal guidelines etc. DU and LP Underwr
iting guidelines.
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RT Funding Group, Inc. dba/Competitive Financial Services Inc (3916 Juan Tabo Pl
ace NE #6, Albuquerque, NM 87111)
April 1995 - June 2001
Assistant Office Manager/Loan Processor
Standard Loan Processing, Conventional and Subprime loans.
Software used was Genesis and Caylix Point.
Attended Caylix Seminar
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Savings of America (n/k/a) Washington Mutual Savings (Out of Business) (6000 O
keechobee Blvd, West Palm Beach, Florida)
June 1984 - August 1994
Sr. Loan Processing Officer
Responsibilities were standard loan processing of oue portfolio products for con
ventional loans only.
Network Software used for processing.

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Atlantic Mortgage Marketing Inc (Out of Business) (Key West, Florida)
April 1983 - June 1984
Office Manager/Loan Processor

The standard loan processing responsibilities for processing VA loans. . There w

as only one Loan Officer and myself in the office, so I acted as Office Manager
and Processor. Business was very slow during this period.

Software used was internal networking with main office in Key Largo, Florida.
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EDUCATION:
Graduated from Key West High School, in Key West.
Attended Florida Keys Junior College and pursued a Secretarial Certificate.

When I entered the business world, I started in the Mortgage Business and have a
ttended several banking seminars in my career included the following: USDA (GUS
) automated underwriting, FHA, VA, Lending. Reg Z and TiL guidelines and appra
isal review, etc. I also attended seminars in public relations, and customer se
rvice. On line security course for banking personnel.
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COMMUNITY INVOLVEMENT
I am involved with my Condominium Association, helping out whenever possible wit
h clerical duties, mailings, etc. I am a free lance artist and do home interior
decorating as a hobby along with faux finishes and trompe l'oeil paintings. Whi
le living in Key West Florida I designed and help created floats for Fantasy Fes
t etc.,parades. I also designed and did a calendar for the bank depicting scene
s done in pen and ink of Key West and the Florida Keys. These calendars were gi
ven as promotional gifts to people who would open new accounts. For fun, I usua
lly swim, paint, cook, and enjoy entertaining family and friends.