Today I found the resume I did when I switched from Loan Processing to Customer Service at SBA this year. Because I want it printed in my book so I can reflect on all the work I did after 5 years of school teaching and 20 years of child rearing I am uploading here:
Janet E Hardy
Self-Assessment
I have over twenty-six cumulative years of experience working in an office environment specifically in loan origination, loan processing and loan funding of homes, apartments and business endeavors. I have had to analyze business loans with partnership corporate and Schedule C income. I have supervised up to ten loan officers in all aspects of loan analysis in the mortgage brokering business. I use the HP Financial Calculator with ease and skill and I tend to be analytical by nature and like to understand the reasons for following procedures. I owned Choice Mortgage Inc with my husband from 1984 until he passed away in 1996.
I have been employed by SBA since 2000 with part-time (5-7 months each year out of the years 2001-2006 and 2008 working as a SBA Reservist Loan Specialist in the Fort Worth and Sacramento offices (also Guam) and served in the field in Maryland and West Virginia for the New York Office and in Louisiana, and Texas for the Sacramento Office. As a loan specialist I analyzed the use of proceeds, duplication of benefits, credit worthiness of borrower, disposition of insurance, and making a recommendation for a loan decision to the Supervising Loan Officer. During 2005 in Sacramento I also supervised other loan officers in their loan analysis and I also served as a Team Leader in two Disaster Recovery Centers in Texas during the fall and winter of 2005.
Work History
1980-82 Obtained CA real estate license and began originating and processing trust deed loans for Richard D Jones Mortgage Inc of La Mesa, CA. I learned how to verify ownership, credit worthiness of the borrower, value of the collateral, verify the intended use of proceeds, obtain title insurance and hazard insurance. Properties involved were homes, 1-4’s, apartment buildings and small businesses. Many factors came together to determine a good investment. The loans or investments were offered to the private sector for their investment portfolios. This basic loan analysis was the foundation for the years that followed of asking credit decisions and protecting the interest of our lenders.
1982-4 Set up the conventional side of the mortgage company for brokering loans to banks, savings and loans, mortgage bankers and credit unions. This involved learning the underwriting guidelines of each lending entity as well as the packaging of each loan. The loans originated and prepared were home loans, 1-4s, and multi-apartment loans. We had specific training in learning the different programs, credit guidelines, financial parameters and packaging requirements of each lender. An emphasis and many hours of training were given in reading income taxes to determine the net worth of individuals and their businesses. As I grew in my proficiency I became the supervisor of the loan officers and processors. This involved teaching and training and monitoring of their work.
1984 My husband and I started our own mortgage company. Choice Mortgage Inc., and my roll was the conventional loan brokering side of the business doing all the things I have mentioned in the above paragraphs. Through all this process of teaching others I was also involved in originating my own loans and guiding the borrower from origination to funding and closing of the loans by the chosen lending entity. I had to know how to qualify the borrower in the way the specific lender wanted them qualified. Here again, many classes were taken that were given by lenders, title companies, and appraisal companies for implementation into our loan brokering business. Many operating procedures had to be read and understood regarding VA, FNMA and FHLMC guidelines. Loans that were originated were home loans, 1-4s and multi-family. It was my role to approve each loan that went out our door to be delivered to a lender.
1985 The first computer loan processing program was introduced and I had to learn the program and teach the processors to prepare the loans for submission. More often than not, I was “hands on” in the computer program. This program involved loan analysis and the transferring of all credit, ownership and income data from credit reports, tax returns, property profiles, escrow instructions and title reports. Loan officers had to be taught how to use the program for comparing loan proposals, qualifying the borrower and determining which programs to present to the prospective borrowers for selection. This now involved not only the fixed rate loans but all the different types of adjustable and balloon loans as well. There were training classes given by an invited guest or myself every week in the different aspects of choosing loan programs and analyzing the borrower to make good credit decisions.
1984-1996 Four different computer loan processing programs were learned and utilized over the years and for the conventional loans and two other processing and escrow programs for the private loans. Four different accounting programs were learned over the years before teaching the bookkeeper how to do the accounting on the computer. My role throughout these years was first and foremost the manager of the processors and loan officers. This involved ongoing instruction in new loan programs and guidelines so agents could make informed loan recommendations. This also involved reviewing each file for approval before delivering it to a lender. And of course it involved supervising the processors. The most processors we ever had at any one time for private and conventional loans were five and the most loan officers were ten.
1996 My husband passed away and I closed the business to retire. Then my son asked me to be the officer manager for his financial business. I did administration work for the first six months and then they asked me to start a mortgage entity under their national company’s guidelines. I did get it started and then my role became entirely loan analysis to keep all credit and collateral worthy loans going to the processors and canceling the others before too much time was spent on them. This involved another new loan analysis program. In the meantime I had also acquired my securities and life insurance licenses.
1999 I semi-retired to the mountains of Northern California but continued some accounting for my son’s business and part time work in an escrow office of Fidelity Title Co.
2000 I joined SBA as a way of using my expertise and earning more money doing something I enjoy.
2001 Summer - I was called to Fort Worth as a Reservist Loan specialist and worked in the office doing analysis of use of proceeds duplication of benefits, credit worthiness of borrowers, capacity of borrowers, disposition of insurance, and making a recommendation for a loan decision to the Supervising Loan Officer. In the fall I was called back for 9/11 and worked on homes as well as business loans.
2002-Summer - I was called to Fort Worth again and just returned home and then was called to the Sacramento office and on to Guam to work as a Loan Specialist making loan decisions until March 2003.
2003 September to February 2004—I was called to Maryland and then West Virginia and worked under the direction of the New York Office. I was doing loan origination in Disaster Recovery Centers on this assignment.
2004 Fall - I was called to the Sacramento office to work as a Loan Specialist and then became a Supervisor over a team of six. I worked until March 2005.
2005 Fall - I was called by Sacramento Office to travel to Louisiana and then into Texas and worked until March 2006. I was doing loan origination in Disaster Recovery Centers and then was called as a Team Leader for two different Texas Disaster Recovery Centers.
I retired in March of 2006. But applied in 2007 to return to SBA. In Fall 2008 I worked as a Loan Specialist in Sacramento.
Now I am asking to be put to work again as a Customer Service Representative doing originations in the field.