Aris C. Angelopoulos E-mail: aa15c59c8@westpost.

net Phone: 831-277-8012 Summary of Professional Qualifications: * In-depth expertise in residential and commercial real estate lending * Underwriting - Operations on a retail-wholesale-correspondent basis * Risk analysis, compliance and CRE loan portfolio review * Asset management, risk mitigation, loan work-outs, due diligence and audits * Proven ability to lead - results driven - high performance and production stan dards Contract Underwriting - Consulting 6-2010 to Present Nelson Staffing - Fremont Bank - Stevenson Properties * Contract underwriting for major banking organizations for the delivery of inve stment quality loans to FNMA, FHLMC and GNMA on retail, wholesale and correspond ent lending basis. * Underwrote complex loans conforming, jumbo, CBLX, CALHFA for all type of prope rties. * Income analysis of borrowers with intricate tax returns and income reporting r equirements. * Production output, 8 to 10 loans daily, review of conditions and handling of a ll broker calls. * Training of level II & III underwriting staff in company's underwriting system . * Refinancing of multi-family apartment properties. * Management of acquisition and development - property sales transactions. * Identification of real estate market trends and recommendation of property val uations. Director Underwriting & Operations 2004 to 5-2010 Stevenson Capital - ComUnity Lending, Carmel, CA * Directed and underwrote conforming and nonconforming loans, retail & wholesale . * Ensured compliance with RESPA and Regulation Z as well as state specific discl osures. * Directed and managed company staff and overall company budget. * Responsible for various asset management and audit contracts; residential & co mmercial. * Managed and mitigated risk and losses of loan assets. Performed due diligence underwriting. * Responded to investor audits and handled repurchase requests. * Arranged and managed Troubled Debt Restructurings. * Originated and processed 7(a) SBA loans, with Wachovia Bank. Contract Underwriting 2001 to 2004 Wells Fargo Home Mortgage & Premier Lending Division, Concord, CA & Des Moines, IA * Performed on-site underwriting, Western United States, on behalf of Wells Farg o Home Mortgage Premier Lending Division, for major WFHM wholesale brokers. * Trained broker firm's originating and processing staff in order to expedite an d facilitate the approval and funding process of loans through WFHM's wholesale system. * Underwrote wholesale loans, for the sale of investment quality loans to the se condary market and major institutional investors. * Level III underwriting authority, $1million, high personal production output. Authorized to recommend loans for approval on an exception basis.

Past Contract-Consulting Assignments in Real Estate Lending 1997 to 2001 PMI, San Francisco, CA * Executed the resolution of PMI's repurchase requests, from FNMA, FHLMC and oth er investors on a nationwide basis. Established loss mitigation processes and pr ocedures and directed the loss mitigation efforts of wholesale mortgage lending companies with FNMA, FHLMC and the Federal Home Loan Bank of San Francisco. Irwin Home Equity Group, San Ramon, CA * Responsible for organizing and establishing company's correspondent mortgage l ending division and loan portfolio securitization activities. Established criter ia for strategic partnership alliances. Corporate Quality Assurance Manager 1992 to 1997 ComUnity Lending, San Jose, California * As head of the Department was directly responsible for loan quality control ac tivities throughout a network of wholesale and retail branches in 12 western Sta tes. * Directed the implementation and training of PMI artificial intelligence. * Performed complete underwriting and statistical analyses for all types of real estate loans. * Prepared and managed company audits with FNMA, FHLMC, FHA, VA, investors and w arehouse banks. * Managed and performed fraud investigations of non-performing loans and prepare d recommendations for resolution and legal action. Contract Auditor for the Resolution Trust Company 1990 to 1992 * Performed due diligence and risk analysis of institution, taken over by RTC. * Reported loan performance and delinquency trends to senior management, RTC Cas e Director, and participated in structuring loan pools for sale to Wall Street, Institutional Investors, and/or Banking/Financial Organizations. Education: BS Degree from California State Polytechnic University, Pomona, Calif ornia Certification: FHA Direct Endorsement "DE Underwriting" References: Available upon request