VICKI JO BADDGOR
Colorado Springs,Colorado
Summary
- Working knowledge of real estate title history, surveys, and plotting metes and bounds. Collaborates cross-functionally with title companies, attorneys and tax payers to resolve issues.
- Familiar with ArcMap, ESRI and ArcGIS. Over 5 years of experience in analysis and development. Highly motivated employee with desire to take on new challenges.
- Strong work ethic, adaptability and exceptional interpersonal skills.
- Skilled in applying logical, common sense approach to seeking practical solutions.
- Well rounded, flexible team player with demonstrated capacity to learn quickly and apply knowledge effectively.
Overview
23
23
years of professional experience
Work History
GIS Property Examiner
El Paso County Assessor
Colorado Springs, CO
01.2017 - Current
- Implements GIS software and data bases for the creation and maintenance of geospatial parcels, roadways, subdivisions and tax district areas.
- Create and maintain state number parceling system within the Assessor's data base and ArcGIS.
- Research and review recorded documents for ownership maintenance, tax authority boundary changes and parcel boundary maintenance.
- Assists the public, title companies, surveyors, attorneys and other county departments with inquiries.
- Exercises knowledge of state statutes concerning property conveyance, legal descriptions, land subdivisions and taxing authorities and ability to communicate complex, technical information accurately.
- Create map using ArcGIS and other software.
- Perform quality assurance reviews of GIS data inputs and outputs.
- Provide technical assistance to users of the GIS system.
- Generate map products used for presentation or publication
Vice President/Licensed Mortgage Loan Officer
ADAMS MORTGAGE LLC
Colorado Springs, CO
02.2012 - 01.2017
- Responsibilities include origination of FHA, VA, USDA, CHFA and Conventional purchase/refinance loans
- Consult with borrowers seeking to refinance or purchase property and assist borrower with determining best loan program for their needs
- Prequalify/Preapprove loans; evaluate applications, review credit history and cash flow
- Monitor loans closely from initiation to closing
- Adhere to compliance guidelines and remain informed of constantly changing guidelines to all loan programs
- Provide exceptional mortgage experience for client
- Manage company lock desk in adherence to Fair Lending Practices
- Responsible for locking all loan officer loans, review guidelines prior to lock to determine if loan will be saleable to investor
- Extend locks as needed and ensure that loans are within the profit margins established by management.
Home Mortgage Consultant
WELLS FARGO HOME MORTGAGE
Colorado Springs
10.2009 - 08.2010
- Duties included origination of high quality loans including FHA, VA, Homepath, CHFA and Conventional loans
- Maintain understanding of rapidly changing underwriting and credit policy guidelines
- Analyze detailed financial and credit data, matching borrower needs with appropriate loan program and level of risk
- Develop relationships with real estate professionals, builders and other business referral sources
- Met or exceeded production requirements.
Senior Loan Originator
AIR ACADEMY FEDERAL CREDIT UNION
Colorado Springs
10.2007 - 10.2009
- Responsibilities included origination of FHA, VA, Conventional, Portfolio and Member Business loans
- Develop business relationships with real estate agents, mortgage brokers, builders and CPA's to cultivate referral base
- Provide loan service to existing membership and cross sell credit union products
- Pre-underwrite loan requests and comprehend credit policy overlays for Fannie Mae, Freddie Mac and secondary investors
- Uphold credit union and NCUA standards for loan compliance, loan quality and portfolio integrity
- Fulfilled continuing education on all compliance regulations and security procedures required through NCUA
- Met or exceeded productions requirements.
Senior Loan Originator
CERTIFIED MORTGAGE SOLUTIONS
Colorado Springs
04.2002 - 09.2007
- Duties included generation of loan volume through established customer base and referral sources
- Developed business relationships to expand client portfolio
- Interviewed loan applicants to determine eligibility of loan programs available
- Originated FHA, VA, Conventional, Alt A, Sub-prime and Commercial loans
- Consistently produced in the top tier of the company since 2002.
Mortgage Loan Originator
NORTH AMERICAN MORTGAGE COMPANY
Colorado Springs
10.2000 - 03.2002
- Primary responsibility was to originate sub-prime loans for start-up division of North American Mortgage
- Worked in conjunction with veteran loan officers of company to close loans denied through the conventional process
- Subsidized volume of loans by origination of FHA, VA and Conventional loans.
Skills
- Documentation Review
- Customer Service
- Problem-Solving Abilities
- Researching Skills
- Records Management
- Supervision Abilities
- Legal Documentation
- Geographic Plotting
Early Career History
FIRST UNITED BANK, Assistant Vice President
FIRST COMMUNITY BANK, Business Development Officer
SECURITY PACIFIC, Underwriter
ALPINE BANKS OF COLORADO, Operations Officer, Loan Officer, Loan Administrator, New Accounts Representative, Teller, 08/1984, 07/1990
FIRST BANK WINDOM, Windom, Minnesota, Loan Teller, Safe Deposit Teller, Teller, 09/1979, 07/1984
Timeline
GIS Property Examiner
El Paso County Assessor
01.2017 - Current
Vice President/Licensed Mortgage Loan Officer
ADAMS MORTGAGE LLC
02.2012 - 01.2017
Home Mortgage Consultant
WELLS FARGO HOME MORTGAGE
10.2009 - 08.2010
Senior Loan Originator
AIR ACADEMY FEDERAL CREDIT UNION
10.2007 - 10.2009
Senior Loan Originator
CERTIFIED MORTGAGE SOLUTIONS
04.2002 - 09.2007
Mortgage Loan Originator
NORTH AMERICAN MORTGAGE COMPANY
10.2000 - 03.2002
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