Use this section to write about yourself - don't be shy - Why should a buyer or seller want to work with you? Do you have any certifications and qualifications? What sets you apart from other agents/loan officers?

                                                                          Jacqueline Heaton

                                                                                               3222 NW 84th Ave, #227      

Sunrise, FL 33351

(954) 742-0227

E-mail: jacquelineheaton@yahoo.com

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OBJECTIVE

To fully apply my expertise within a progressive organization, utilizing a positive approach towards meeting and exceeding objectives.

PROFESSIONAL EXPERIENCE

Interbay Funding. LLC

Team Lead                                                                                                 2005-2008

•·         7 years experience in a Mortgage Lending environment-with knowledge of pre-qualifying, reviewing,   analyzing,      processing, underwriting and loan-closing documents.

•·        Specialized, working knowledge of mortgage-lending processes-including underwriting of "A", "A-","B" and "C" loans and mortgages, both commercial  and residential.

•·        Knowledge of divisional, administrative and processing requirements, policies and procedures.

•·        Proven track record of successfully meeting deadlines, planning and prioritizing work load and taking initiative.

•·        Effective written/verbal communication, customer service, human relations, analytical and relationship management skills.

•·        Attention to the importance of customer-, client- and constituent-communication processes.

•·        Strong interpersonal and leadership skills.

•·        Ability to exercise professional judgment and assume
responsibility for decisions which have an impact on people and costs.

•·        Experience closely collaborating with others in a team setting.

•·        Above average attention to detail.

•·        Database, MS Word, MS Excel, Lotus Notes, MS Outlook proficiency.

•·        Superior organization skills.

Premier Mortgage Funding                                                                      2004-2005

Executive Processor

Wells Fargo Home Mortgage                                                                    2001-2004

Senior Loan Processor

•·        Responsible for processing Conventional, VA and FHA loans including underwriting and conditioning all Level "A" loans as well as collection of conditions and file set-up and maintenance.

•·        .Maintained a 170+ loan pipeline with appx. 20-30 closings per month, requiring knowledge in 1031 exchange, second home and investment property processing procedures.

•·        Strong working knowledge of 80/10/10 and 80/15/05 as simultaneous close products.

•·        Responsible for training new employees in a wide range of skills from loan restructuring to customer service.

Crestar Bank                                                                                              1990-1998

Assistant Vice President/Branch Manager/Broker

•·        Complete management responsibilities of several bank branches in and around the Greater Washington Metropolitan area.

•·        All aspects of sales, marketing, customer service as well as banking policies and procedures.

•·        Mentoring, training and had audit responsibility for 10+ employees

•·        Marketing and sales of annuities, mutual funds and stock.

EDUCATION:    Hood College - B.A, Early Childhood Education

                              Frederick Community College - A.A, Humanities

SKILLS:

 Microsoft Windows; Word; Excel ; CAYLX/POINT; DOS; Internet

REFERENCES AVAILABLE UPON REQUEST