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Click here or scroll down to respond to this candidateCandidate's Name
Clover, SC Street Address PHONE NUMBER AVAILABLE EMAIL AVAILABLEProfessional SummaryAstute and methodical Credit Analyst with significant background working with a diversity of customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Talented Credit Analyst with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.SkillsRegulatory Disclosure PreparationCommercial Real EstateEquifax Application EngineNon-Prime MarketsFHA Loan ProcessesReal Estate Title ConceptsExpert at interpreting AUS findings & underwriting to Fannie Mae, Freddie Mac, and FHA guidelines. Fluent in AML, BSA, and KYC guidelinesAdept in MS Word, Outlook, PowerPoint, Excel, Teams, Share point, Adobe and Google suite.Government StandardsFinancial AdvisementMicrosoft OfficeClient InterviewsCustomer Accounts ManagementTechnically proficient in SQL, Tableau, JIRA, Excel, Encompass, Navigator, Byte, AIQ, Salesforce, Lexis Nexis, Integra and internal softwareFlexible and adaptable to new technologies, industries, and environments.Work HistoryMortgage Underwriter III, 08/2019 - 12/2022Truist Bank Formally BB&T Greenville, SCEvaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.Approved or denied loans based on established criteria and underwriting guidelines.Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.Reviewed appraisals and title documents to verify accuracy and completeness.Perform complete, in-depth, analysis of income, assets, credit, and collateral for each file. Successfully, interpret, review and validate required documents, such as tax returns, assets statements, Appraisals, Condo documentation, Insurance policies, backgrounds documentation, Trust documents, title documents, and purchase/lease contracts according to agency & company guidelines.Understand and condition to AUS findings for DU and LP and incorporate them with company overlays to assign conditional approvals. Averaging 75 100 initial loans underwritten per month. Clear conditions at resubmission and effectively hand \ file over to closing, at average of 50 75 loans per monthContinue to underwrite commercial mortgages and lines of credit, with authority level of $1.5 million.Credit Manager, 10/2018 - 08/2019Regional Acceptance - Truist Bank Formally BB&T Denver, COWork cross-functionally with sales, management and other departments to maintain effective operations.Obtained and interpreted financial statements to assist in credit limit reviews.Oversaw reporting, documentation and recordkeeping requirements for department.Make credit decisions by following all policies, procedures and guidelines set forth by company standards. In addition, document all exceptions to company standards.Review all early payment defaults and document findings. In addition, follow-up with dealership personnel on any fraudulent items (e.g. straw purchases, missing options).Visit dealers with Relationship Managers in various markets to build relationships with them and their dealers.Achieve volume goals assigned to branch, as well as individual goals.Call dealerships on consistent basis to solicit business by establishing strong relationships with dealership personnel and upholding our value promise.Optimized credit approval and collection processes, improving operational efficiencies by over 30%Mortgage Underwriter II, 06/2016 - 10/2018Finance Of America Mortgage Denver, CO - RemoteMaintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.Worked with processing team members to communicate errors and obtain missing information for current applications.Monitored pipelines to track and log status of loans.Reviewed appraisals and title documents to verify accuracy and completeness.Work collaboratively with team members to drive deals to successful funding and close. Responsible to communicating conditions with processors and sales to promote mutually beneficial outcomes.Underwrite more complex loans. Including jumbo products, borrowers with multiple properties, borrowers with more involved business income, etc.Loan Processor Team Lead, 11/2014 - 06/2016Reverse Mortgage Solutions Charlotte, NC - RemoteReviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.Prepared documents for underwriting by verifying client income, credit reports, and other information.Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.Set up and completed loan submission packages.Managed and trained team of 7 processors and 4 processing assistants. Some with zero mortgage experience to begin with. Kept team up to date on any company or investor updates.De-escalated/mediated any borrower or sales complaints against my team members. Responsible for achieving positive and acceptable outcomes for all issues.Maintained productive and pleasant relationships with borrowers (individuals& LLCs), brokers, and third-party vendors through multiple modes of communication.Achievement Highlights:- Regarded as one of the company's most productive Processors, closing an average of 30+ loans a month.- Outperformed company average in achieving loan-processing turn-around time of 15 days or less- Constantly received high or perfect score on customer surveys- Train team members on best practices, and new processes.Small Business Banker (SAFE), 03/2014 - 10/2014Wells Fargo & Company Charlotte, NCMet with existing clients and prospects through personal calling efforts and other contacts to discuss business needs.Assisted in planning portfolio growth through development of business plans in alignment with departmental budget and consistent with overall objectives.Worked with borrowing clients to procure updated financial information on ongoing basis.Maintained up-to-date knowledge of competitors' products.Served as a leader in managing risk; understand and manage risks in the business, adhere to policies, procedures & controls and ensure compliance with applicable laws, rules & regulations.Engaged with customers in all phases of business life cycles while following policies and leveraging product knowledge, conduct needs based conversations identifying credit, deposit and servicing processing needs of customers, explain, and demonstrate self-service mobile options to customersActed as the primary relationship manager for portfolios of small business customers with annual gross sales between $100k and $1MM in assigned territory using customer relationship management tools and systems and coordinate efforts with partners across the bankBusiness Execution Consultant, 10/2011 - 03/2014American Credit Acceptance Spartanburg, SCEstablished and maintained relationships with key stakeholders for growth opportunities and successful partnerships.Applied performance data to evaluate and improve operations, target current business conditions and forecast needs.Devised processes to boost long-term business success and increase profit levels.Identified opportunities for process improvement by conducting root cause testing of all compliance and business metrics.Determined areas of strength or Business Execution opportunity within defined scope of work.Utilize independent judgment to guide moderate risk deliverables.Presented recommendations to develop, implement, and monitor strategic approaches, effectiveness of support function, and business performance improvement opportunities for managing risks of business.Collaborated and consulted with leaders and executive management.Provided vision, leadership, and industry knowledge regarding highly complex cross organizational strategic initiatives that significantly influence the Auto Business.Area Operations Manager, 05/2007 - 10/2011Lowes Home Improvement Greenville, SCMonitored and analyzed performance data, identifying areas of improvement and developing corrective action plans.Spearheaded operational procedures and processes to improve efficiency and optimize operations.Collaborated with cross-functional teams to align operations with corporate objectives.Set, enforced, and optimized internal policies to maintain responsiveness to demands.Resolved issues, addresses safety concerns, and is responsible for communicating business objectives and daily workload plans to all teams.Engaged with associates to assist them through associate relations related issues experienced with organization and/or with other associates.Traveled to over 10 locations per week to manage each store and perform reviews of individual managers and employees.Assisted in recruiting, hiring and training of team members.Interacted well with customers to build connections and nurture relationships.Launched staff engagement, gender diversity and cultural programs in addition to robust reporting tool that increased operational quality.Identified and qualified customer needs and negotiated and closed profitable projects with high success rate.Reduced financial inconsistencies while assessing and verifying billing invoices and expense reports.Implemented innovative programs to increase employee loyalty and reduce turnover.Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.EducationBachelor of Science: Business Administration And Management, 05/2007Clemson University - Clemson, SCAssociate of Arts: Accounting And Business Management, 06/2004Greenville Technical College - Greenville, SCHigh School Diploma: 06/2003Hillcrest High School - Simpsonville, SC |
