Angel Viren
NMLS # 271479
Summary
Entrepreneurial Owner known for outstanding productivity and efficiency in task completion. Possess specialized skills in strategic planning, financial management, and team leadership. Excel in communication, problem-solving, and adaptability, ensuring successful business operations and growth. Retired from the industry in June of 2019 to pursue another business opportunity. That business is running like a dream and I'm looking to get back into what I have a true talent in and that is the mortgage industry! I spent just shy of 20 years working my way from processor, to underwriter, to loan officer, then mortgage broker, to mortgage banker.
Overview
22
22
years of professional experience
Work History
Owner
Red Rooster Bar
Shepherd, MT
12.2018 - Current
- Implemented campaigns and promotions to help with developing goods and services.
- Supervised bartenders, servers, cooks, dishwashers, security personnel, and other employees.
- Advertised job openings through various channels such as online job boards or local newspapers.
- Led startup and creation of operational procedures and workflow planning.
- Forecasted customer demand to set prices or credit terms for goods or services.
- Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.
Administrator - Business Operations
Keystone Mortgage Company
Shepherd, Montana
06.2012 - Current
- Collaborated with company teams to expedite loan approval processes.
- Verified accuracy of all documentation prior to submission to underwriting department.
- Reconciled funds received and disbursed for property transactions.
- Performed regular follow-ups on loan applications in order to meet deadlines.
- Presented and processed client loan documents and verified comprehension of essential language.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Set up debt payment plans based on client credit, income and assets.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Managed real estate transactions from initiation to closing.
- Attended seminars, conferences, meetings, webinars, related to the mortgage industry.
Loan Processor /Mortgage Loan Officer
American Homestead Mortgage
Kalispell, Montana
06.2008 - 08.2018
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
- Calculated income, assets and liabilities to meet lender requirements.
- Ensured compliance with federal and state regulations throughout the loan processing phase.
- Filed completed packages quickly and efficiently.
- Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.
Loan Officer
GMAC Mortgage
Billings, Montana
02.2007 - 06.2008
- Recommended loan approvals and denials based on customer loan application reviews.
- Stayed abreast of lending regulations, industry trends and market rates.
- Analyzed financial data to determine the feasibility of granting loans.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
Senior Loan Processor
American Airlines
Kalispell , Montana
10.2004 - 01.2007
- Managed pipeline of loans ensuring that all deadlines are met and loans progress to closing.
- Calculated income, assets and liabilities to meet lender requirements.
- Provided excellent customer service, maintaining high satisfaction levels among borrowers.
- Examined and verified information in loan application and closing documents.
- Utilized loan processing software to manage and track loan progress efficiently.
- Collaborated closely with underwriters when reviewing files for final approval.
Underwriter
Countrywide Mortgage
Billings, Montana
02.2003 - 07.2004
- Reviewed property appraisals to ensure accurate valuation and compliance with standards.
- Implemented underwriting strategies to minimize risk and maximize profitability.
- Gathered and analyzed information to determine risk acceptability.
- Managed workload to ensure timely and accurate processing of loan applications.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Trained junior underwriters and support staff in underwriting processes and policies.
Education
High School Diploma -
Lake Roosevelt High School
Grand Coulee WA 05-1998
Some College (No Degree) - Business Administration
MSU B
Billings, MTSkills
- Written communication
- Fluent in all AUS applications including but not limited to: DO, DU, GUS & LP
- Attention to detail including but not limited to knowing RESPA and Frank Dodd act guidelines
- Customer retention including knowing how credit scores are built and creating credit plans of actions for people who need a little help
- Familiar will all guidelines or familiar with locations to guidelines for fannie, freddie, VA, FHA, USDA & individual product guides for lenders
- Professional demeanor
- Crisis management
- Analytical skills, know how to calculate income, red flags reviewing asset accounts along with the time requirments to each
Accomplishments
- 2016 Young Guns Mortgage Industry Rising Stars Future Leader
- Numerous years of top producer awards
- 2015, 2016, 2017 Billings Readers Choice Brokerage winner
- Billings 40 top professionals under 40 award
Timeline
Owner
Red Rooster Bar
12.2018 - Current
Administrator - Business Operations
Keystone Mortgage Company
06.2012 - Current
Loan Processor /Mortgage Loan Officer
American Homestead Mortgage
06.2008 - 08.2018
Loan Officer
GMAC Mortgage
02.2007 - 06.2008
Senior Loan Processor
American Airlines
10.2004 - 01.2007
Underwriter
Countrywide Mortgage
02.2003 - 07.2004
High School Diploma -
Lake Roosevelt High School
Some College (No Degree) - Business Administration
MSU B
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