Ray Artinian
Granite Bay
Summary
Experienced financial professional with diverse licensing (CPA, expired; mortgage loan license; real estate broker license) and a passion for financial analysis, loan analysis, problem-solving, and results-driven work. A passion for continuous learning and innovation. Known for leveraging analytical thinking and creativity to solve problems in fast-paced environment. My experience and passion for excellence sets me above other applicants.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Real,Estate Broker
REMAX Gold Roseville
Roseville
01.2020 - Current
- Guided clients through property buying and selling processes at REMAX Gold Roseville.
- Conducted market analysis to determine property values and trends effectively.
- Facilitated negotiations between buyers and sellers to achieve favorable terms.
- Prepared comprehensive property listings with detailed descriptions and visuals.
- Developed marketing strategies using social media and traditional advertising channels.
- Built strong relationships with clients through effective communication and support.
- Collaborated with mortgage lenders to assist clients in securing financing options.
- Maintained relationships with current and prospective clients by providing exceptional customer service throughout the transaction process.
- Managed real estate transactions from initiation to closing.
Senior Underwriter/Manager
California State Treasurer's Office
Sacramento
04.2005 - 01.2020
- Financial Analysis of complex businesses/borrowers Financial statements including Credit analysis, Balance Sheet, Income state, Cash Flow, Bank Statements, Debt Service Coverage, Income Tax Returns and interview CFO/CEO/etc to determine if they qualify for the requested loan amount.
- Performed quality control reviews on all approved and declined loans prior to closing.
- Developed underwriting procedures to enhance efficiency and accuracy in assessments.
- Communicated findings and recommendations to stakeholders for informed decision-making.
- Reviewed, evaluated and approved and declined high-risk mortgage loan applications for compliance with company policies and procedures.
- Reviewed appraisals for accuracy before approving a loan package for submission.
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Assessed risk factors associated with loan requests to determine whether they meet established criteria for approval.
- Monitored pipeline activity to ensure timely processing of all loans within established service level agreements.
Education
Bachelor of Science - Finance/Accounting
Sacramento State University
Sacramento, CA05-1993
Skills
- CPA - (license not active)
- Mortgage Loan Office License
- Income Tax Law
- Financial analysis
- Management - team of 5 u/w
- Effective communication
- Time management
- Real estate law
- Portfolio management
- Compliance requirements
Certification
- Real Estate Brokers License 1996
- CPA License (expired)
- Mortgage Loan Officer License
Timeline
Real,Estate Broker
REMAX Gold Roseville
01.2020 - Current
Senior Underwriter/Manager
California State Treasurer's Office
04.2005 - 01.2020
Bachelor of Science - Finance/Accounting
Sacramento State University