1. Stepan Yesayan
9625 E. Arkansas Pl., Denver, CO 80247, C: (757)575-4015, stepanyesayan@gmail.com
SKILLS
 Outstanding dedication to customer service and well oriented in a customer-driven environment
 Persuasive communicator with ability to build long-term relationships with internal and external clients
 Skilled in delivering presentations and providing mentorship and training
 Proactive leader with refined business acumen and exemplary people skills
 Facilitate a team approach to achieve organizational objectives, increase productivity and enhance employee
morale
 Able to creatively overcome obstacles, meet challenges head-on, and consistently exceed in delivering
objectives
 Proven ability to identify high-profile customers, analyze sales situations and capitalize on marketing
opportunities
 Strong computer skills and knowledge of many software and online applications, including Word, Excel, Access,
Power Point and Outlook
 Fluent in English, Russian, and Armenian languages
WORK HISTORY
Operations Analyst, January 2016 – Present
Wells Fargo Bank's Residential Valuation Services, Englewood, CO
 Recruiting appraisers for Wells Fargo RVS panel from all over the United States
 Supporting operations and staff appraiser panel
 Providing documentation and evaluating completed applications from appraisers upon receipt
 Utilizing various programs to access and retrieve the national database of appraisers
 Analyzing qualifications and determining which appraisers to recruit
 Validating appraiser's background, licensing, and E&O insurance
 Providing guidance to staff regarding documentation and underwriting requirements
 Evaluating processes to ensure business standards are followed and ensure corrective action on exceptions and
problems are identified
 Identifying and documenting risks and problems and interacting with partners for timely resolution
 Recommending standards and additional procedures to improve team performance
 Reviewing requests for vendor management for completeness and quality, and performing follow-up activities
 Interacting daily with internal and external partners to clarify quality concerns identified during the review
process
 Actively participating in discussions to help the department run more efficiently
Underwriter, March 2015 – September 2015
Urban Lending Solutions, Highlands Ranch, CO
 Reviewed and analyzed loan applicants' credit histories, financial statements, and other financial information to
ensure quality decisions are made on loans
 Interpreted and analyzed complex tax returns and other financial documents
 Demonstrated ability to comprehend program changes and new program guidelines
 Implemented new changes in daily production with minimal error rate
 Completed a quota of files set by management and maintained an error rate of less than 5%
 Interpreted investor guidelines and utilized system expertise to maintain a QC passing rate of greater than 97%
 Stayed up to date on program and investor guidelines

2.  Developed constructive and collaborative working relationships with team members.
Special Finance Specialist, July 2014 – March 2015
Tynan's Nissan and Volkswagen, Aurora, CO
Automotive sales leadership in used car dealership
 Assisted clients with challenged credit to obtain financing for auto loans
 Assessed individual's credit reports to determine appropriate and suitable financing sources
 Acted as a subject matter expert on issues related to loan terms and lenders
 Compiled required documents to expedite decision-making
 Provided clients with detailed explanation of loan terms, rate, payment information, and amortization schedules
 Engaged in discussions regarding warranties and assisted clients in making warranty related decisions
Sales Associate, June 2009 – May 2014
Elmwood Park Auto Mall, Elmwood Park, NJ
Automotive sales leadership in used car dealership
 Developed and maintained relationships with new and existing customers, responded to electronic inquiries,
and made appointments
 Demonstrated automobiles to walk-ins by extensively explaining features and characteristics of vehicles
 Negotiated price and down payment, monthly payments, and appraised trade-ins
 Explained APR based on credit score and credit history, financial terms and warranties
 Accommodated financially qualified customers with the best value
 Effectively carried out relevant paperwork and updated records for management on a daily basis
 Negotiated terms and rates with financial institutions to obtain the best outcome for clients
 Trained and helped onboard newly hired employees to ensure high productivity and engagement at workplace
 Exceeded sales targets by grossing $30,000 in monthly sales
Loan Processor, September 2005 - August 2009
American Landmark Mortgage Inc
 Processed up to 45-50 loans application per month (FHA, VA, Conventional)
 Ordered, obtained and filed all required and necessary paperwork
 Opened escrow, appraisals and title commitments, hazard insurances, payoff demand statements, and
estimated HUD from the title company
 Contacted agents, lenders, and title companies daily, answered all questions related to loans in progress
and informed agents and borrowers of any follow up requirements
 Ensured that all lenders' stipulations in the conditional loan approvals were met in timely manner
 Established clear, timely and open lines of communications between all the agents and consumers
 Performed various mortgage loan processing operations on daily basis, including setting up the loan,
conducting welcome and follows up calls, requesting and reviewing documentation from the borrower for
initial and final credit approval, and prepared files for closing
EDUCATION
Bachelor of Arts, June 2004
Yerevan State Conservatory, Yerevan, Armenia

3. REFERENCES AVAILABLE UPON REQUEST