Investment Property, New Construction, Vacation Properties, Works With First Time Home Buyers, Specializes in Relocations, Foreclosure, Short Sales, REO Properties, Senior Living, Resale Residential, Suburban Living, Condominiums, Urban Living, Serving The Military, Single Family Homes and Townhomes
12520 Prosperity Dr. Suite 105,
Silver Spring. MD 20904
Cel: 301-661-2289
Email: [email protected]
Summary
A vision of home ownership for all and the background that accomplish the process with the office that has extensive background of years in real estate, I am confident I am your agent
Twelveyearsexperience as independent title agent with growing clientele and valuable contribution to the growth of the business and the profession in general.
Five years of independent brokerage experience and loan background.
Seventeen successful years of banking experience with increased responsibilities. Last ten years ofbanking was with consumer lending of which eight years in underwriting that contributed to a loan portfolio growth of more than $550 million for the bank.
Real Estate Consultancy: 2014
InReal Estate business with extensive background in loan financing, processing, underwriting and title/notary experience. A one stop shop so to say.
Listen to clients about their real estate needs, educate on the process and the procedure of real estate ownership (buying or selling)
Advice on home reviews in person. Visit choices of homes selected by clients to determine best choice Initiate contract for buyer or submit all contracts to seller as the case may be
Monitor loan processing,title company processing,home inspection and appraisal companiesto make sure all areas are working towards same goal, closing date and time
Follow through on inspection recommendation. Ensure inspections and final walk through before sitting at the table for settlement
Present atsettlement to ensure smooth trasaction, exchange of keys and congratulations to participants for smooth transaction and fulfillment of dreams, Home Ownership.
Community Developer: Prince Georges County Government2010 - Present
Reviewclient complaints about the services received or not received; write reports and submits same to the Manager; investigate payment to vendors and reconciles each and every trips charge in AGH; manage payment system in trapeze and trains Vendors' staff how to enter exceptions.Provide technical assistance to contractors by interpreting State and federal program regulations and requirements, and resolve problems arising from incorrect interpretation of program regulations; negotiate and write contract provisions using standard format; monitors agency for program compliance on an ongoing basis; complete monitoring reports, and prepare contract modifications and amendments to address substantive changes.
TITLE EXPERIENCE
Independent Title Agent 2005-Present
Individual producer licensed settlement agent. National Notary Certified. Nine years as independent contractor. Worked with Cornerstone Title & Escrow, Sovereignty Title & Escrow, Law Office of Craig A. LeVine LLC, Ronow Titles, LLC and currently with Allied Title, LLC and several realtors, brokers, banks and loan officers. Process title request, issue initial letters of acknowledgement, Request title abstract and survey. Prepare title binder after review of abstract work. Follow up on payoff and hazard insurance. Receive loan documents from lenders, prepare HUD 1. Administer settlement between buyers and sellers and refinances.
Hold certificate of appointment by Conestoga Title insurance Company, First American Title Insurance Company and Stewart Title Guaranty Company.
MORTGAGE EXPERIENCE
Listened to prospective buyers or refinancing clients at initial contact. Discussed financing process and obtained authorization to pull consumer credit report. Review credit report and income documents to determine possibilities and options to financing. Proceed to taking loan application, process application to determine possible lending institution based on credit, income and loan program. Determine pre-approval letter. Based on lending institution conditions, review for final approval and proceed to settlement.
BANKING EXPERIENCE
AVP/Senior Credit Underwriter, Riggs Bank, NA 1997-2005
Review all consumer loan credit applications for disposition, utilize sound credit analysis. Discuss decisions with clients, branch management, Riggs direct {customer service}, embassy department staff and upper management as may be necessary. Re-evaluate decline decisions as requested by customers. Thorough analysis of credit reports/issues. Monitor application flow, and report to management on a periodic basis. Follow-up with auxiliary units for additional information as requested during loan process to enable final decision. Cross/up sell other bank products and appropriate referrals to other bank areas. Prompt review and decision on all subordination requests. Review, analyze and decision Readylink {bank line of credit} applications. Familiar with applicable laws and regulations as it affects lending decisions. Good understanding and analysis of appraisals, title works, credit reports, and other pertinent documents. Train as needed, in an assistant capacity, the branches and across the bank personnel.
Processed loan applications, start from initial contact to the preliminary underwriting approval. I monitored vendors and third party items in all facets of loan process. Interfaced with management and relevant entities to meet settlement time frames and conditions as stipulated.
Doctorate Degree in Philosophy (Humane Letters)
CICA International University
Texas, USA
B.Sc. Business Administration
Nigeria
Diploma in Chaplaincy
CICA International University,
Diploma in Theology (Advance)
International Seminary,
Florida. USA
Thank you
