![- 1 -
SEAN SHIBATA
NMLS #1433152
14226 Match Point Dr., Poway, CA 92064 [P: 858-254-5522] sean.x.shibata@gmail.com
STUTE, DEDICATED, HARD-WORKING, AND TECHNICALLY SKILLED LOAN ORIGINATOR known for
accuracy, time management, and attention to detail for diverse industries in a fast-paced environment.
Professional career spans 10 years of experience in manufacturing, home finance, higher education and other
industries and has included accountability for assisting borrowers with hardships, analyzing and/or disputing ledger
statements for acquired REO assets, processing high volumes of contracts, creating programs for the child development,
and assisting seniors in taking loan applications for Reverse Mortgages. Philosophically is lead by a solid foundation of
good work ethics.
KEY SKILLS
ï‚· Accounts Payable Processes & Management
ï‚· Invoices/Expense Reports/Payment Transactions
ï‚· Vendor Negotiations & Management
ï‚· Records Organization & Management
ï‚· Teambuilding
ï‚· Spreadsheets & Accounting Reports
PROFESSIONAL EXPERIENCE
Griffin Funding [Mortgage] – San Diego, CA
Loan Originator, 6/16-7/16
Contact leads and determine eligibility for the VA loan program. Walk Veterans through the financial information and
determine beneficial programs .Take applications from clients, gather important loan documents, and lock interest rates.
Reverse Mortgage Solutions [Mortgage] – San Diego, CA; Contracted
Reverse Mortgage Specialist, 2/16- 6/16
Contact incoming leads and discuss the Reverse Mortgage program to potential clients. Run an FA per requirements of
FHA to qualify potential clients. Prepare prequalification quotes and walk potential clients through the financial packet.
Help potential clients through HUD counseling and the application processes.
Post-Closing; HUD Insuring Auditor, 8/15-2/16
Print HUD case binders and stack the binder in correct order per guidelines of HUD. Review the HUD case binder for
any discrepancies in the documents, i.e. missing signatures, missing documents, documents signed on the incorrect
location, vesting incorrect, address does not match county records.. Ship the HUD case binders to the HUD office.
Elevate Credit [Financial – San Diego, CA
Risk Analyst (Lead), 6/15-8/15
Provided analysis of loan products and identify trends along with the credit risk exposure factors thorough analysis,
statistical techniques, financial modeling, and analytics. Verified financial information to validate debt-to-income ratio and
reviewed documents to ensure the request was not fraudulent. Created training manuals, training courses, and managed
workflow for new hires. Created a financial worksheet to automatically calculate the risk of potential customers based on
financial information provided. Reviewed and reported fraud cases to the CRAs. Compiled data for a special project and
presented findings to the manager and director.
Key Results:
• Managed a team of 4 to 6 people.
• Evaluated over 200 pending applications in 2 weeks.
• Monitored the extract data from SAS/SQL reporting and production database
Caliber Home Loans [Mortgage] – San Diego, CA
Foreclosure Specialist (Contracted), 8/14-4/15
Helped the audit process of a new vendor, ensuring the output matches the quality of work. Obtained and uploaded
payment histories for the attorney’s. Processed Closing bills, holds and proceed with foreclosures. Assisted with
transferring events, holds, and issues for new boarding’s.
Key Results:
A](https://image.slidesharecdn.com/0380f612-406a-4875-a737-6a5559970ca7-160914044608/85/Professional-resume-1-320.jpg)
![SEAN SHIBATA
- 2 -
• Completed on average over 250 tasks daily.
Dimont and Associates [Mortgage] –San Diego, CA
Claims Admin Assistant/Document Coordinator, 7/13 – 8/14
Processed acknowledgements, denials, and payments for mortgage insurance claims. Assisted Independent Adjusters with
access issues, and followed up to ensure the property was inspected.
Document Coordinator- Managed pending documents required to complete mortgage insurance claims. Compiled a daily
report and followed-up on missing documents with our client to ensure the documents were received. Pulled IRS reports
and ITR (Information Tracking Reports) from our client’s online portals and imported the reports into our files.
Key Results:
• Uploaded over 790 documents per month.
• Average score of 4.1 out of 5 on monthly scorecard evaluation.
Nations Valuations Services [Mortgage] –San Diego, CA
BPO Quality Control Analyst (Contracted), 11/12- 7/13
Reviewed BPO reports to ensure priced evaluations contain no bias and are fair market value. This included ensuring
competitive pricing with the current market trends by area, condition, square footage, age, etc. Evaluated the BPO
submission and compared the submission to our client’s guidelines.
Key Results:
• Completed 500+ BPO reviews per month.
• Created an Excel spreadsheet to calculate different formulas, resulting in a productivity increase of 5 more reviews
daily, per person.
JPM Chase [Mortgage] –Monroe, LA
Customer Care/Way Forward, 02/12 - 10/12
Assisted borrowers requesting for mortgage assistance. Walked borrowers through the Making Home Affordable
Program, and governmental guidelines. Gathered financial and personal confidential information to determine eligibility
of different programs offered.
iServe Real Estate [Mortgage] –San Diego, CA; Contracted Position
HOA Specialist (Contracted), 05/11-9/11
Review ledger statements and estoppels to ensure the demand is per state statute. Upkeep monthly, quarterly, and annual
payments on HOA assets on a timely basis, ensuring accounts do not become delinquent. Assist with the closing
department and Asset Managers to make sure the asset closes without incident.
Key Results
• Managed over 500 HOA property accounts
WELLS FARGO [Mortgage] – Sorrento Valley, CA; Contracted Position
BSG (Contracted), 01/11 - 03/11
Updated and reported workload spreadsheet to the managers on a daily basis. Received and processed reconciliations, and
initial approval of loan applications. Analyzed whether, or not, to cancel loan applications per credit approval or rejection.
Logged, and tracked, all incoming and outgoing credit files to SQC/NDS/2nd Level Review to ensure and protect
sensitive client information. Assigned AIRLs (additional information request letters) to the appropriate underwriter.
Mailed commitment, appraisals, and AIRL letters to the borrower.
Key Results:
• Process up to 360 Reconciliations (per month)
• Initiated up to 210 new loan submissions (per month)
EDUCATION
Palomar College, 2001-2005, Business management studies
University of Phoenix, 2012, Business management studies
Related coursework:
• Financial Accounting: Preparing journal entries, T-accounts, and posting to the general ledger
• Excel for Financial Accounting: Creating net summary statement
• Passed the SAFE exam – Licensed in CA, AZ, WI](https://image.slidesharecdn.com/0380f612-406a-4875-a737-6a5559970ca7-160914044608/85/Professional-resume-2-320.jpg)
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- 1. - 1 - SEAN SHIBATA NMLS #1433152 14226 Match Point Dr., Poway, CA 92064 [P: 858-254-5522] sean.x.shibata@gmail.com STUTE, DEDICATED, HARD-WORKING, AND TECHNICALLY SKILLED LOAN ORIGINATOR known for accuracy, time management, and attention to detail for diverse industries in a fast-paced environment. Professional career spans 10 years of experience in manufacturing, home finance, higher education and other industries and has included accountability for assisting borrowers with hardships, analyzing and/or disputing ledger statements for acquired REO assets, processing high volumes of contracts, creating programs for the child development, and assisting seniors in taking loan applications for Reverse Mortgages. Philosophically is lead by a solid foundation of good work ethics. KEY SKILLS  Accounts Payable Processes & Management  Invoices/Expense Reports/Payment Transactions  Vendor Negotiations & Management  Records Organization & Management  Teambuilding  Spreadsheets & Accounting Reports PROFESSIONAL EXPERIENCE Griffin Funding [Mortgage] – San Diego, CA Loan Originator, 6/16-7/16 Contact leads and determine eligibility for the VA loan program. Walk Veterans through the financial information and determine beneficial programs .Take applications from clients, gather important loan documents, and lock interest rates. Reverse Mortgage Solutions [Mortgage] – San Diego, CA; Contracted Reverse Mortgage Specialist, 2/16- 6/16 Contact incoming leads and discuss the Reverse Mortgage program to potential clients. Run an FA per requirements of FHA to qualify potential clients. Prepare prequalification quotes and walk potential clients through the financial packet. Help potential clients through HUD counseling and the application processes. Post-Closing; HUD Insuring Auditor, 8/15-2/16 Print HUD case binders and stack the binder in correct order per guidelines of HUD. Review the HUD case binder for any discrepancies in the documents, i.e. missing signatures, missing documents, documents signed on the incorrect location, vesting incorrect, address does not match county records.. Ship the HUD case binders to the HUD office. Elevate Credit [Financial – San Diego, CA Risk Analyst (Lead), 6/15-8/15 Provided analysis of loan products and identify trends along with the credit risk exposure factors thorough analysis, statistical techniques, financial modeling, and analytics. Verified financial information to validate debt-to-income ratio and reviewed documents to ensure the request was not fraudulent. Created training manuals, training courses, and managed workflow for new hires. Created a financial worksheet to automatically calculate the risk of potential customers based on financial information provided. Reviewed and reported fraud cases to the CRAs. Compiled data for a special project and presented findings to the manager and director. Key Results: • Managed a team of 4 to 6 people. • Evaluated over 200 pending applications in 2 weeks. • Monitored the extract data from SAS/SQL reporting and production database Caliber Home Loans [Mortgage] – San Diego, CA Foreclosure Specialist (Contracted), 8/14-4/15 Helped the audit process of a new vendor, ensuring the output matches the quality of work. Obtained and uploaded payment histories for the attorney’s. Processed Closing bills, holds and proceed with foreclosures. Assisted with transferring events, holds, and issues for new boarding’s. Key Results: A
- 2. SEAN SHIBATA - 2 - • Completed on average over 250 tasks daily. Dimont and Associates [Mortgage] –San Diego, CA Claims Admin Assistant/Document Coordinator, 7/13 – 8/14 Processed acknowledgements, denials, and payments for mortgage insurance claims. Assisted Independent Adjusters with access issues, and followed up to ensure the property was inspected. Document Coordinator- Managed pending documents required to complete mortgage insurance claims. Compiled a daily report and followed-up on missing documents with our client to ensure the documents were received. Pulled IRS reports and ITR (Information Tracking Reports) from our client’s online portals and imported the reports into our files. Key Results: • Uploaded over 790 documents per month. • Average score of 4.1 out of 5 on monthly scorecard evaluation. Nations Valuations Services [Mortgage] –San Diego, CA BPO Quality Control Analyst (Contracted), 11/12- 7/13 Reviewed BPO reports to ensure priced evaluations contain no bias and are fair market value. This included ensuring competitive pricing with the current market trends by area, condition, square footage, age, etc. Evaluated the BPO submission and compared the submission to our client’s guidelines. Key Results: • Completed 500+ BPO reviews per month. • Created an Excel spreadsheet to calculate different formulas, resulting in a productivity increase of 5 more reviews daily, per person. JPM Chase [Mortgage] –Monroe, LA Customer Care/Way Forward, 02/12 - 10/12 Assisted borrowers requesting for mortgage assistance. Walked borrowers through the Making Home Affordable Program, and governmental guidelines. Gathered financial and personal confidential information to determine eligibility of different programs offered. iServe Real Estate [Mortgage] –San Diego, CA; Contracted Position HOA Specialist (Contracted), 05/11-9/11 Review ledger statements and estoppels to ensure the demand is per state statute. Upkeep monthly, quarterly, and annual payments on HOA assets on a timely basis, ensuring accounts do not become delinquent. Assist with the closing department and Asset Managers to make sure the asset closes without incident. Key Results • Managed over 500 HOA property accounts WELLS FARGO [Mortgage] – Sorrento Valley, CA; Contracted Position BSG (Contracted), 01/11 - 03/11 Updated and reported workload spreadsheet to the managers on a daily basis. Received and processed reconciliations, and initial approval of loan applications. Analyzed whether, or not, to cancel loan applications per credit approval or rejection. Logged, and tracked, all incoming and outgoing credit files to SQC/NDS/2nd Level Review to ensure and protect sensitive client information. Assigned AIRLs (additional information request letters) to the appropriate underwriter. Mailed commitment, appraisals, and AIRL letters to the borrower. Key Results: • Process up to 360 Reconciliations (per month) • Initiated up to 210 new loan submissions (per month) EDUCATION Palomar College, 2001-2005, Business management studies University of Phoenix, 2012, Business management studies Related coursework: • Financial Accounting: Preparing journal entries, T-accounts, and posting to the general ledger • Excel for Financial Accounting: Creating net summary statement • Passed the SAFE exam – Licensed in CA, AZ, WI
- 3. SEAN SHIBATA - 3 - TECHNOLOGY SUMMARY MS Office (Word, Excel, Outlook) • Oracle • Aspen • Windows (all) • Oasis • ESO Procedures