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Candidate's Name
Charlotte, NC PHONE NUMBER AVAILABLE EMAIL AVAILABLE LINKEDIN LINK AVAILABLERisk Analyst/3rd Party & Portfolio ManagementSUMMARYAward-winning senior Risk Analyst, recognized for excellent customer service with 25+ years of experience in operational efficiency, Quality Control, portfolio review and streamlining policies and procedures, credit risk, and customer management. Skilled in prime, aggregator, and Alternative Markets and student loan Risk Analysis of all Portfolios. Process management and Reporting to management on the Portfolio review with violations suggested actions, and new Policies and Procedures to put in place. Regulatory and AML/KYC skillsSKILLS Risk Analysis Underwriting Credit Risk Loan Process Regulatory Control AML/KYCEXPERIENCEOPERATIONS July 2023-May 2024S3cuso Credit Union support for three major credit unions: Bethpage FCU, SECU-MD and Bellco. Operational support help, Risk, Loan Operations, Anything to do with Loan Operations Worked every day with Regulatory Compliance and AML/KYC Skills, on various systemsSENIOR RISK UNDERWRITER August 2020 October 2022Digital Risk/on a project for Wells FargoAnalyze and verify all borrower loan file information for SharePoint and other systems. Underwrite loan files from paperless format from certain Portfolios to lender modification guidelines to ensure quality and whether decisions were made correctly. Drove excellence in underwriting quality and through effective leadership as a Peer Reviewer. Helped team members maintain the highest standards of performance in the peer review process. Ensured that the Porfolio met Regulatory and compliance to that time, along with AML /KYC. Received the prestigious GOAT Award, recognizing outstanding achievement as the top-performing Risk Analyst in terms of volume and quality.OPUS CAPITAL MARKETS CONSULTANTS, LLC September 2019 - April 2020Sr. Forensic Underwriter/Mortgage Risk Underwriter (Contract underwriter)Analyzed/underwrote complete loan files in paperless format for a final decision, using lender guidelines.Credit review, forensic review, risk review, quality control review, worked on policy and procedure updates for specified portfolios. Ensured all Regulations followed, compliance, AML/KYC researched. Utilized Opus, Paragon, and AUS systems.PRIMERICA FINANCIAL SERVICES April 2018 - August 2019Independent RepresentativeHelped families earn more income, become properly protected, debt free, and financially independent. oversee hiring, training, and mentoring process to ensure the success of each team member.Bed Bath and Beyond, Concord Mills, NC February 2017 April 2018Retail AssociateResponsible for all receivables and performed quality control on all store merchandise.AIG / UNITED GUARANTY Greensboro, NC July 2008 January 2017Sr. Forensic Underwriter Mortgage InsuranceOversaw quality control loan reviews to ensure the loan was underwritten to original guidelines. Analyzed Risk/ underwrote complete loan files from paper and paperless formats for final decision. Conducted meticulous reviews of loan applications, ensuring compliance with regulations and identifying fraud/misrepresentation and undisclosed debts via online database searches. Provided clear, detailed final decisions with precise claim calculations, resulting in effective risk management recommendations. Analyzed existing Policies and Procedures and provided insightful recommendations for portfolio-specific improvements, enhancing overall operational efficiency, and reducing risk exposure.CAMPUS PARTNERS, Winston-Salem, NC April 2007 May 2008Director, Loan Production Private Student Loan ConsolidationLed loan consolidation operations. Directed and trained a staff of five. Developed and wrote all procedures and ensured they were in line with company and investor guidelines. Built start-up operation with a call center, underwriting, and servicing support to $4 million monthly funding volume by 6th month of operation, with minimal systems support. Developed and implemented credit guidelines to balance risk with company and investor/insurer requirements, ensuring compliance through operational flows and pre/post-closing audits. Achieved perfect quality scores for all audits.FREDDIE MAC, McLean, VA August 1994 May 2006Sr. Risk Analyst / Portfolio Reviews / Due DiligenceServed as Lead Risk Analyst for portfolio/operational risk reviews of external customers. Led due diligence review team at the site of originators, servicers, aggregators, and vendors, managing $5 billion Portfolio deals. Compiled risk assessment report and recommendations for Freddie Mac Senior Management. Presented comprehensive due diligence results to Senior Management and Freddie Mac, highlighting potential risks and proposing actionable solutions to mitigate them. Conducted a thorough review of customer Policies and Procedures, which included writing and re-writing, identifying areas for improvement and providing recommendations that lead to changes during reviews: the latest updates by state on Regulatory and Compliance changes and effects on our portfolio. At the same time before the portfolio we would know what where looking into potential risks, maybe some AML areas, and during confirming and up the chain of command, misrepresentation is always there.Through our everywhere.ew methodology analyzing customer trends, mitigating potential risks, and earning a Premier Achievement Award for innovative risk analysis.Virginia Tech |
