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Toni Fremento 554 Scrub Jay Drive St. Augustine, FL 32092 NMLS 385925 904-859-4411 tf41c96a@westpost.

net OBJECTIVE: Willing to re-locate anywhere in FL or surrounding states at my own e xpense and to utilize my management, outstanding customer service skills and the skill of multi-tasking to move upward on onward with a company. SUMMARY OF QUALIFICATIONS: * * * * * * Processed - FHA, VA, USDA, Conventional and Non Conforming New Construction, Refinances and Purchase's Worked for a Builder and Broker's Process loan's from Application through Closing Work directly with the owner and all loan officers Request all needed documents from the borrower, appraiser, title and fulfiled all conditions from underwriting * Passed State test / re-taking National test * Processed an average of 40 loans a month from application to closing * Recognition for Customer Service's in person and on phones * Computer Literate - proficient in Microsoft Word , Outlook, Excel, Publisher, Word, Searching the internet, Encompass, Calyx Point, Empower, AS 400 Mainframe, Vista, DU, and LP * Set up and participated in trade shows, luncheons, training seminars and event promotions * Outbound calls to brokers, potential clients as well as lapsed clients by offe ring superior service and improved product * Company recognition for customer service and production support * Certificates for Customer Service 11/10 to Present Bankers Home Mortgage Jacksonville, FL Processor: VA, FHA and Conventional Refinances and Purchases Stack files from application, Request Appraisal, Title, Survey, HOI, VOE, VOD an d all other needed docs Examine all documents for assets, income and credit to be sure the borrower qual ifies and for compliance Put the file in stacking order by way of lender and submit file to Under Writing . Full fill all conditions from Under Writing. Set up closing and submit closing documents to closing department and the title agency. Communication between UW, Broker, Lender and Borrower at all times 12/09 to 11/10 Wahoo's on the Island Treasure Island, FL Front Room Manager: In charge of wait staff, bartenders and customer service Interviewed all new employees and fired if needed Responsible for inventory and ordering all liquor and bar supplies Help in the renovations for the new front room Hire and scheduled all bands and entertainment Internet and Print advertising was done by me. Made the customer's happy with excellent customer service and a smile Increase sales by 75%

Weekly meetings with the owner for marketing and promotions 2/09 to 11/09 Mortgage Investors St. Petersburg, FL Processor / Shipper Processed all VA refinance's Requested all needed documents from borrower and submit to Under Writing Review Title, Insurance Go through every closed file and check that all required documents were in the f ile, signed and dated. 9/2007 to 5/2008 Bright Vision Mortgage Jacksonville, FL Account Executive/Loan Processor/Marketing Coordinator: Expanded my knowledge into wholesale lending. All inbound and outbound call's to and from homebuyers for customer service. Rev iewed files to assure were legally compliant, analyzed ratios, credit history, a nd employment status. Researched several search engines for background on buyers . Packaged loans for underwriting analysis and prepared all closing documents. Created flyers for marketing campaigns and monthly newsletters. Set up luncheons; trade shows and training seminars by utilizing my marketing sk ills 5/2003 to 8/2007 DHI Mortgage Jacksonville, FL Loan Processor: Processed FHA, VA, USDA, and Conventional home mortgage loans Analyzed credit re ports, employment status, financials, pay stub's, Home Owners Insurance, profici ent in Empower, Lotus Notes, Calyx Point, DU, LP and many search engines for pro perty, back ground checks, social security verification. Processed an average of 30 loans a month. Liaison for buyer, builder, loan office underwriting and closing departments. Trained Loan Officers and Loan Processors on Empower Data Base Software 04/2001 to 05/2003 Allied Specialty Insurance Company Treasure Island, FL Marketing Coordinator: Maintained new business and follow up system in Access database Facilitate sales process with application and information processing Assisted in production of new business. Outbound and inbound calls for new and lapsed business EDUCATION: Northeast Senior High School. - Business Courses