Michael J. Rafael 2775 Mesa Verde Dr. East #X 103 Costa Mesa, CA 92626 714.721.9966 mrfcf636@westpost.

net Objective An employment opportunity where performance and organizational skills will be ut ilized to enhance revenue growth and profit, customer loyalty and employee devel opment. Qualifications * 20+ years experience in most facets of the mortgage lending and financial ind ustry * Managed teams of Account Managers, Loan Processors and Underwriters * Utilized analytical skills to validate loan application(s) and program solutio ns * Achieved numerous recognitions, rewards and bonuses Experience Sandpiper Land Care 2006 to present/Debtors Protection Group- 2008-Present Assistant to the president of Sandpiper Land Care-part time/to present. Responsi bilities include a variety of duties: initial landscape drawings for submittal t o engineering firms: create cost estimates: obtain applicable permits for initia l and final inspection(s). Currently employed -Cygni Capital/Debtors Protection Group- Obtain necessary documentation from client to deliver a comprehensive mo dification package pursuant to lender/government guidelines. Negotiate and revie w modification approval to ensure client benefit. Senior Credit Officer-First NLC Financial- 2003-2005 Responsibilities included managing a staff of Account Managers, Underwriters and Funders. Monitored daily workloads for all team members. Re-worked and re-stru ctured mortgage loans as necessary. Adhered to Federal, State and Company guidel ines with regard to the Real Estate Settlement Protection Act laws. Consistently met monthly funding goal of $20-30 million per month. Recommended necessary cha nges in relation to loan processing to Senior Management. Senior Credit Officer-Finance America, LLC-2000-2003 Managed a staff of Underwriters, Funders and Account Managers. Ensured daily wor kload(s) for all team associates were followed to the company rule(s). Assisted underwriters 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 by the company. Michael J. Rafael Page 2 Co-Founding Partner & Assistant Vice President of Loan Origination-E-Mortgage Ex change-1998-2000 Solicited and consulted prospective customers ; prepared /completed the initial loan application. Gathered and collected all applicable information/documentatio n from the client and packaged the loan file for processing. Assisted loan proc essor(s) in obtaining the real estate appraisal(s), preliminary title report(s) and escrow instructions. Applied the appropriate loan program(s) pursuant to cus tomer's request which best suited customer needs. Prepared loan package(s) for d elivery to the appropriate lending institution. Senior Account Manager-Fieldstone Mortgage Company-1997-1998 Responsibilities included receipt of the initial loan file from underwriter, the n contacting the mortgage broker to inform them of the disposition (either appro val or denial). Consulted with mortgage broker and provided viable options in re lation to loan denial. Requested and obtained loan conditions as set forth on th e loan approval by the underwriter. Signed conditions off on the loan approval f orm when applicable. Remained in contact with broker(s) to ensure smooth and tim ely processing and closing. Post Funding Audit Manager -Task Team Manager/Risk Management -Long Beach Mtg. C o. -1988-1997

Executed due diligence reporting via a comprehensive mortgage loan audit. This i nvolved a complete re-underwriting, re-processing and re-funding of closed mortg age loans. Reverified all documentation in the loan file inclusive of the initia l loan application to the review of the final funding figure to ensure all regul atory and company guidelines were followed throughout the entire loan process. R eported all discrepancies to Senior Management for review and assisted in the im plementation of changes as necessary. Quality Control Auditor-Glenfed Mortgage Corporation-1986-1988 Performed complete audit(s )of all primary legal loan documentation in the loan file for accuracy and completeness. These documents included the promissory note , the recorded deed of trust and the final housing and urban development form. M ade all necessary corrections to related documentation and reported to Senior Ma nagement for review. Education and Industry Training San Diego State University-1983-1985-Psychology Orange Coast Community College-1981-1983-General education Various professional classes include; loan processing, analyzing credit reports, underwriting and real estate appraisal principle(s).