1. Joe Alfred Posadas
2371 Aspen Street SE
Port Orchard, WA 98366 US
Mobile: 360-551-0384 - Ext:
Evening Phone: 360-908-4508 - Ext:
Email: joalp07@live.com
Availability:
Job Type: Permanent, Temporary, Term, Detail, Internships, Telework
Work Schedule: Full-Time, Part-Time, Shift Work, Intermittent, Job Sharing
Desired locations:
United States - WA - Seattle
Work Experience:
Self-Employed
2371 Aspen Street SE
Port Orchard, WA 98366 United States
07/2013 - Present
Salary: 40,000.00 USD Per Year
Hours per week: 30
Owner/Manager
Duties, Accomplishments and Related Skills:
As a prior IRS agent garnered experience with tax law, therefore front the IRS for clients.
Also prepare tax returns.
Soccer Coach, Volunteer in the area of Youth development.
Acquisition of uniforms ongoing Soccer equipment, also manage on a daily basis Contracts currently in
place, or to respond to RFP's.
Dept. of Revenue-IRS
100 SW Main Street
Portland, OR 97204 United States
12/2012 - 04/2013
Salary: 33,400.00 USD Per Year
Hours per week: 40
Customer Service Representative
Duties, Accomplishments and Related Skills:
Balance Due representative phone analyst, and payment arrangements. Spoke with the Public over the
phone to determine various reasons for non tax filing compliance, monies owed, and if the IRS could
and would consider payment arrangements. This is the department before collections.
Computer proficiency required with various open windows for analysis of IRS regulations, and
procedures for tax problem and it's solution.

2. Offer in compromise was a high priority for some taxpayers, needed to stay up on the policies and read
and know the requirements.
Supervisor: Michele Johnson (503-415-7361)
Okay to contact this Supervisor: Yes
Dept. of Defense US Army
Tax Center Bldg T 6069
Fort Lewis, WA 98433 United States
01/2012 - 07/2012
Salary: 34,800.00 USD Per Year
Hours per week: 40
Series: 0001 Pay Plan: AA Grade: GS-5
This a time-limited appointment or temporary promotion
Tax Preparer - Consultant (This is a federal job)
Duties, Accomplishments and Related Skills:
Consult and direct Tax return preparation for active military and retired military personnel. Oversee the
implementation of military rules with IRS rules and guidelines. In charge of doing the tougher tax
forms such as Cancellation of Debt, and Schedule E's Rentals. Six month
tax season position, subject to recall at years end.
Supervisor: Captain Sean Flood (253-967-1040)
Okay to contact this Supervisor: Yes
Dept of Revenue-IRS
Helena, MT United States
12/2010 - 05/2011
Hours per week: 40
Pay Plan: Other
Tax Specialist Customer Svc Representative (This is a federal job)
Duties, Accomplishments and Related Skills:
Interface with general public, both private and business.
Rectify any problems with payroll filing, tax returns 1040 series, and provide professional interfacing,
with unique customer service skills.
Supervisor: Carla Keeland (406-728-9127)
Okay to contact this Supervisor: Yes
USDA-Rural Development
Missoula, MT United States
03/2010 - 10/2010
Hours per week: 40
Pay Plan: GS
Area Specialist (This is a federal job)
Duties, Accomplishments and Related Skills:

3. Solicit, interview, and explain the direct 502 -program, and 504-program. Input to Unify Pre
qualifications received from the outreach to determine if viable for the next step.
Next step is the full application, with corresponding and necessary documentation so that an informed
decision can be made for loan approval and eventual purchase of a home under monetary constraints
both in purchase price and what an individual or family can qualify for. Unique in that the payment is
subsidized in relation to the recipients income. Site visits are also a must especially for the more unique
properties, i.e. log homes, or foreclosures through HUD.
Professionalism is key as well as knowledge of the programs, which I have been involved with since I
started My Mortgage Banking experience over 23 years ago. Also, a key attribute is the knowledge one
has gained from the Real Estate side, where I have trained many Real Estate Officers.
Supervisor: Kimberly Maines (4068293395)
Okay to contact this Supervisor: Yes
PrimeLending/A PlainsCapitalCompany
Bremerton, WA United States
04/2006 - 10/2008
Hours per week: 40
Senior Loan Officer
Duties, Accomplishments and Related Skills:
Seminars for the general public on what to expect in Home buying and the special programs available
at below market interest. Solicit business from Realtors, and the general public.
General knowledge of Software programs and rules governing
home buying guaranteed loans, to include FHA, VA, and Freddie Mac and Fannie Mae loan parameters.
Supervisor: Randy Gelhaus (360-286-0232)
Okay to contact this Supervisor: Yes
Internal Revenue Service Center
Seattle, WA United States
10/2007 - 05/2008
Hours per week: 40
Series: 0300 Pay Plan: GS Grade: 5
Contact Service Representative (This is a federal job)
Duties, Accomplishments and Related Skills:
Customer contact inquires on tax refund, taxes owed. Explained applicable tax law and corrected tax
return to insure clients received their correct refunds.
Negotiated payment plans for Balance Due amounts with the taxpayer.
Supervisor: Marci Walters (206-220-4194)
Okay to contact this Supervisor: Yes
National City Mortgage/PNC Mortgage
Port Orchard and Silverdale, WA United States

4. 04/1999 - 08/2006
Salary: 48,000.00 USD Per Year
Hours per week: 40
Mortgage Banker
Duties, Accomplishments and Related Skills:
Solicit loans by presenting Home buying seminars under the auspices of the Washington Housing
Finance Commission.
Trained Realtors in human relations and in writing Purchase and
Sales Agreements.
Wrote designed and produced $ 1,000,000 in monthly fundings.
Expert on FHA and VA Guidelines strong in the Rural Home Loan program.
Please note went back to Nat City Mortgage now known as PNC and got hired with a $2,000 draw
against commission. In the mean time I had been selected in Oct 2009 for the GS-9 position in
Missoula, MT.
When I got offered the job with the government though on a temporary basis I took the job but not after
I had given my 2 week notice with PNC Mortgage out of the Gig Harbor, WA office. The period
worked was from Jan 01 2010 to March 06,2010.
Chase
Federal Way, WA United States
04/1995 - 04/1999
Hours per week: 40
Community Service Officer/ Loan Officer
Duties, Accomplishments and Related Skills:
Interfaced with various Federal, County, and City Housing Authority's to develop or implement special
loan programs for low and mid income home buyers.
Local outreach to various organizations, Chambers of Commerce to include Hispanic orgainzations to
meet Community Banking required Home ownership in a diverse population.
The Mortgage Network/Bank Branches
West Covina, CA United States
08/1986 - 03/1995
Hours per week: 40
Assistant Branch Manager
Duties, Accomplishments and Related Skills:
Trained New Loan Officers in sales, FHA and VA rules and regulations. How to fill out 1003's the
complete loan application.
Lead the West Covina branch in production. Supervised 8 Loan Officers and 2 Loan Processors.

5. The Mortgage Network was a 100% Commission Company with desk fees, the company closed.
R & R Management
Los Angeles, CA United States
05/1982 - 07/1986
Hours per week: 60
Self Employed
Duties, Accomplishments and Related Skills:
Owned and managed various employees and skill sets within a Soccer and Rugby retail store, Small
Business Administration Business Loan Packaging and a Mexican Restaurant.
Successful start of Head Coaching in Soccer, originally to build up
the Soccer and Rugby store. Successful, started a second store but became a good organizational and
motivational Soccer Coach with kids from 12-13 year old thru 18 year olds today. Team building a key,
as well as training. Current RMA license available.
Wrote business plans under the auspices of the Small Business Administration in commercial loan
procurement.
Performed Accounting, Bookkeeping, and Tax Return preparation for various businesses and the
general public.
Hughes Aircraft Company
Los Angeles, CA United States
09/1978 - 05/1982
Hours per week: 40
Contracts Administrator 1/Budget Analyst
Duties, Accomplishments and Related Skills:
Analyzed current and past budgets to develop needed man hours and monies for a particular contract(s).
Directed activities concerned with contracts for the sales of equipment man hour contracts to the
defense department.
Successfully handled F/A 18 Radar Miscellaneous parts acquisition,
Logistics for 2.5 years after promotion from Budget Analyst.
State of California, Medi-Cal/Medi-Care Auditing
1810 16th Street
Sacramento, CA 95811 United States
10/1977 - 10/1978
Salary: 29,000.00 USD Per Year
Hours per week: 40
Auditor, Medi-Care, Medi-Cal
Duties, Accomplishments and Related Skills:

6. Audit Small Hospitals up to 59 beds for adherence to Medi-Care, and Medi-Cal regulations and
policies. All presentations were face to face with the Hospital Administrator.
Supervisor: Human Resources (866-844-8671)
Okay to contact this Supervisor: Yes
Education:
University of Southern California Los Angeles, CA United States
Master's Degree 02/1979
GPA: 3.0 of a maximum 4.0
Major: MBA Entrepreneurship and Venture Mgmt
Relevant Coursework, Licenses and Certifications:
MBA was not completed, 8 Units of an MBA. Entrepreneurship and Venture Management main course
completed, resulting in the 8 units.
CalStateUniversityLongBeach Long Beach, CA United States
Bachelor's Degree 07/1976
GPA: 2.3 of a maximum 4.0
Credits Earned: Completed Semester hours
Major: Accounting Minor: Business Administration
Job Related Training:
Volunteer Income Tax Assistance from the IRS when I volunteered to help those unable to pay for tax
preparation assistance.
Dale Carnegie Course-13 Week Human Relations course, graduate and president of my class. 1982
Habitat For Humanity - 3 Year Board Member
Fort Benjamin Harrison-Payroll Disbursing School 1969 Specialist 5 in Charge of Incountry Officers
and NCO's travel, TDY, and Payroll for the 101st Airborne Division Vietnam
One year and 3 Days, Bronze Star Recipient.
Language Skills:
Language Spoken Written Read
Spanish Advanced Advanced Advanced
Affiliations:
Habitat for Humanity-Port Orchard WA - 3 Year Board Member
Knights of Columbus - Member in Good Standing
South Kitsap Soccer Club - Head Coach Boys under 19
References:
Name Employer Title Phone Email
Randy Gelhaus (*) PrimeLending Branch Manager 360-286-0232 rgelhaus@primelending.com
Louis Mejia (*) Reid Real Estate Realtor 360-731-2015 lmejia@reidrealestate.com
James (Nick) Neal Milestone Mortgage Inc Vice President 360-286-4037 James Neal
(jneal@milestonemtg.com)
(*) Indicates professional reference

7. Additional Information:
Computer and typing proficient, easily adapt to computer software programs.
Past President Dale Carnegie Course, excellent speaker.