Victor Diaz Ayala seeks employment where he can utilize his knowledge and experience. He has 20 years of experience in mortgage lending, originating, processing, closing, and loss mitigation for various banks and mortgage companies. This includes reviewing delinquent mortgage portfolios to qualify borrowers for loan modifications or repayment plans. He also has experience in consumer lending as a senior loan officer at a bank in Chicago. Ayala is bilingual, a strong leader, and is pursuing a bachelor's degree in business administration.

1. VICTOR I. DIAZ AYALA
P.O. BOX 4952 STE 91
Caguas, Puerto Rico 00725
TEL: 939 452-2334 787-449-9182
victor.d.ayala@hotmail.com
OBJECTIVE:
Obtain employment where I can contribute my knowledge and experience to improve the company.
PROFESSIONAL EXPERIENCE
Porta Fino Salon, (Humacao, Puerto Rico), Manager – Reviewed and supervise operations and services to provide the
utmost quality to our new customers in the East Part of the Island, being one of the most full service Hair Salon’s.
Recognized by Paul Mitchell Hair Products in Puerto Rico
MORTGAGE LENDING
Loan Modification Advisor,
Mortgage loan Technician and Examiner – 3 years prior to closing I was commended to Reviewed and completed
First Bank and other local and U.S. banks, delinquency portfolios from 30 days plus which would qualify the mortgagors
files for final review and analysis from the Mortgagees. Issued to review board to grant the trial period establish or
recommended by the agency. Mortgage Loan Modification or review to escalate to a 2nd
waterfall period or pending
repayment plan, Special which would qualify the mortgagors files for final review and analysis from the Mortgagees.
These options applied and foreseen either by the investors guidelines be it FHA VA FARMERS, FANNIE or FREDDIE
MAC to establish a viable agreement with the mortgagor and the mortgagee. Qualify the mortgagors file for final review
and analysis from the Mortgagees average 30 files per day. Review board to grant the trial period establishes or
recommended by the agencies. Audited and Reviewed samples for Urban Financial the investigative criteria to up hold
FHA guides on reverse mortgages originated and closed by Senior Mortgage.
First Lenders Mortgage Brokers/Realtors, Doral Mortgage Banker and Santander Mortgage Sana Mortgage,
Mortgage Loan Marketing Officer. Since 1996 I was commended to Generating new mortgage loan origination to
develop new accounts and maintain all existing accounts and bank customers, walk-ins and generated calls through our
branch or main office call centers. Following up and assisting loan file processing procedure to close this mortgage loan
application and complying with Freddie Mac, Fannie Mae, FHA, VA, FMR HOME and non-conforming and commercial
products available at this current moment. Based upon my performance and marketing strategies maintaining
approximately per month the amount of $1.50MM loan origination and closing an average of 65 to 70% of these
originated and worked with mortgage ware and E3 as there MIS system.
CONSUMER LENDING
FIRST COOK BANK FOR SAVINGS - (CHICAGO, ILL) :
SENIOR LOAN OFFICER
In 1984 thru 1989 Reviewed all the underwriting criteria of F.C.B.F.S. consumer /auto loans and 2nd
mortgage/ equity
loans.
I was commended with the loan approval and denials. for consumer loans and equity loans up to 75k without a loan
committee consent . Remarketing, collections and disbursements of funds for approved consumer loans and equity
loans and worked with mortgage ware and other in house MIS system.

2. VICTOR I. DIAZ AYALA
P.O. BOX 4952 STE 91
Caguas, Puerto Rico 00725
TEL: 939 452-2334 787-449-9182
victor.d.ayala@hotmail.com
EDUCATION:
Certification for the Compliance of the S.A.F.E. Act. (20 Hours (in view of completing NMLS laws and standards/approval
of test)
Coldwell Bankers for the compliance of real estate sales, laws and standards/approval of test)
Harry S. Trumann City College (Chicago, IL.) Working towards a Bachelor of Science degree as business administration
major and finance minor.
PERSONAL PROFILE
Leadership and persuasion technique for success in promote products or services. Biggest experience in mortgage
origination, processing, closing, loss mitigation and consumer credit underwriting. Fully bilingual (English – Spanish).
High sense of responsibility and commitment. Punctual and organized in my work. Highly oriented work to with public
and community service. Able to work under pressure and ability to easily adapt to changes and fast learning.
Management computer programs Word, Excel and Internet.