DIANA E. RAYA 5065 Vista Montana * Yorba Linda, California 92886 * (909) 973-4648 * dr55dff4@westpost.

net OBJECTIVE Management professional with 7 years of consumer lending experience and over 10 years of sales experience who is seeking for the opportunity to provide your org anization with dedication, responsibility, and good work ethic, combined with an opportunity to utilize my skills in a position where I will continue to prosper .

EXPERIENCE THE LEGEND FASHION Fontana, CA August 2009- Present Retail Manager: Assist owner with daily operations of the Fontana location whil e providing customers with the highest quality of business men's apparel and cus tomer service. -Perform sales activities, customer retention objectives, and yi eld high customer service. -Supervise staff, recruit, train, develop, and perform HR admini strative duties -Prepare merchandising displays and advertising campaigns -Responsible for inventory, purchasing, and vendor relations -Perform cashiering functions and banking activities; retain ope rating records, and daily transactions PCM Lake Forest, CA September 2008- June 2009 Human Resources Generalist: Assist Human Resources Director by supporting the d aily operations and initiatives of the Human Resources Department while serving as backup to the HRD as a resource to employees and managers under minimal super vision. -Support HRD in employee relations matters by scheduling investig ative meetings as requested, reproducing file materials and assisting with post terminations activities -Administer leave of absences while applying appropriate Federal and State law entitlements to each individual leave of absence when applicable; manage/ records LOA employees monthly remittance in conjunctions with Benefits. -Assist HRD in representation of the Company with outside clients as well as vendors to provide employee services, such as Health Providers , BORs and Retirement/401(k) Investment Firms -In conjunction with the benefits specialist, create benefit infor mation to employees through literature and verbal presentations; lead and a ssist with Annual Open Enrollment transactions; ensure timely completio n of monthly benefit invoice reconciliation

-Coordinate company and State mandated trainings; new hire trainin gs and orientations; monitor and communicate changes in organization al structure, company policies, procedures and revisions to employee s as requested by HRD -Work conjunctively with management staff regarding performance appraisals, corrective actions, and employee related issues - Perform projects and duties as assigned including Payroll, Benefi ts, Staffing/Recruiting and Worker's Compensation. CAPITAL HOME LENDING Anaheim, CA January 2007-June 2008 Sales Manager: Responsible for maintaining branch stability in a challenging mar ket, including training an adaptive staff, maintaining professional networking r elationships, overseeing lending processing, company marketing and providing cus tomers with excellent products and services. -Actively recruited, hired, trained, supervised, and motivated Lo an Officers and Administrative Staff in an ever-changing market -Determined customer needs through an extensive analysis providin g the best product(s) possible and ensuring customer satisfaction -Offered private and government products FHA, VA, Hard Money, A paper, reverse mortgages -Maintained relationships with investors and banks -Supervised branch productivity, including reviewing all audit-pr ocessed files to assure that all applicants meet legal lending criteria -Expense management, including company marketing and keeping goal s and company procedures within budget -Performed real estate sales and overlooked contract processes an d completeness -Prospected for new customers through cold calling, events, door knocking, referrals, and marketing HSBC/HOUSEHOLD FINANCE Brea, CA October 2001-January 2007 Branch Sales Manager: Responsible for the profitability and daily operations of a $40 million retail lending branch, including staff, customer service, lending, and collections. -Hired, trained, supervised, and motivated staff of Accounts Exec utives and Administration -Performed HR functions including recruiting, interviewing potent ial candidates, new hire paperwork, background checks, payroll, empl oyee scheduling, LOA administration, worker's compensation. -Performed monthly employee reviews and evaluation; analyzed empl oyee compensation, commissions, and bonuses and adjusted discrepancie s accordingly - Developed and maintained client base, engaged in company focus g

roups to ensure the highest quality of customer service -Serviced in-house accounts on a repeated basis, ensuring custome r satisfaction and, thus, keeping liquidation/payoffs to a minimum ; identified cross-sell and up- sell opportunities -Offered FHA, VA, sub-prime, A paper , unsecured loans, auto loan s, and insurance products - Established and monitored branch budget, productivity, goals, an d incentive plans -Reviewed conditions and documents to ensure compliance with stat e and federal regulations, and company policies -Conducted monthly audits in preparation for state and internal a udits regarding disclosures and conformance to lending laws -Preliminary underwriting functions; verify and calculate income, order and clear title and flood discrepancies, order and modify appraisals , process and fund loans - Worked closely with underwriting staff to satisfy requirements a nd overturn denials -Handled bookkeeping and accounting functions which included acco unts payable and receivable, bank deposit and bulk cash/check reconci liation, and loan fundings ACCOMPLISHMENTS: -Promoted from Account Executive to Manager of a "troubled" branc h that had been unable to achieve goals; successfully developed branch, achieving $8 million over goal; based on this success, assigned to this lar ger branch -Received numerous awards for exceeding goals - Consistently achieved successful State and internal audits Senior Account Executive: Consumer Lending Sales -Provided the utmost customer service to ensure satisfaction, pote ntial repeat business, and customer referrals -Prospect to develop new business by conducting outbound solicita tions, introducing new products to current customers for up-sell opport unities, and analyzing client needs -Assisted in interim manager within the district -Assisted in performing accounting, cashiering, and underwriting audits ROMANO'S JEWELER'S Montebello, CA January 2000-September 2001 WHITEHALL JEWELERS West Covina, CA February1999- January 2000 KEVIN'S JEWELER'S Montclair, CA January 1997- February 1999

Retail Jewelry Sales Associate: Customer service, sales, inventory control, cash iering, bank reconciliation and product maintenance.

EDUCATION UNIVERSITY OF LA VERNE La Verne, California -B.S. in Organizational Management (present) -HR management courses PLATT COLLEGE Ontario, California -A.A. Degree in Paralegal Studies LICENSES -Real Estate License- current -SAFE ACT-MLO registered (test date 3/24/11) -PHR registered APPLICATIONS Proficient in Excel, Lotus, Calyx Point, Doc Magic, Word, Outlook, ADP, HRB and Payex systems Bilingual- Spanish