career objective

 

results-driven, solutions-focused leader eager to contribute proven consumer finance management, strategic analysis, and loan administration talents within a rewarding executive-level financial administration role.

 

profile

 

offer 20 combined years of experience within consumer finance, financial / business analysis,

loan administration, and underwriting roles to include substantial expertise in mortgage processing,

quality control, financial negotiations, due diligence, foreclosures, and customer relations capacities.

 

financial management expertise

ø  skillful in all areas of conventional, fha, va, and specialty loans processing, as well as proven financial expertise in commercial, real estate, and sba loans underwriting.

ø  maintain accurate and proactive financial policy / procedure implementation through consistent professional educational and training endeavors to ensure successful compliance with financial laws and regulations.

ø  contribute a proven record for producing substantially profitably transactions and assignments through effective planning and organization while working under considerable time constraints.

ø  optimally develop and maintain effective working relationships with internal and external customers to anticipate consumer needs and increase overall financial operations satisfaction.

 

business support expertise

ø  demonstrate dynamic prioritization and time management skills, including quickly identifying and resolving daily problems in a proactive and productive manner while maintaining exceptional professional work ethics.

ø  skillful in setting goals and developing action plans, along with consistently demonstrating outstanding self-reliance toward achieving perfection in all professional and personal endeavors.

ø  capable of staying focused and maintaining a calm demeanor in high-pressure situations while contributing high quality, diplomatic customer / client services skills and a consistently commendable work ethic.

ø  proficient at seamlessly blending strong decision-making abilities with solid leadership attributes, successful interpersonal relationship-building techniques, and exceptional written / verbal communication skills.

ø  excel within independent or team-based environments to meet and/or exceed all organizational goals and objectives while contributing intelligent business acumen and sharp troubleshooting abilities.

 

microsoft windows 95 / 98 / nt operating systems • microsoft office 97 / 2000 professional

wordperfect 6.1 • quattro pro • lotus 1-2-3 • paradox • 10-key touch • types 60 wpm

 

professional experience

 

customer service representative, small business administration                                        2008 c present

ø  apply broad scope of financial industry experience toward supporting all-inclusive phases of application and closing of federal disaster loans for homeowners, businesses, and non-profit organizations.

ø  expertly review complex business spreadsheets, as well as profit / loss and personal financial statements.

ø  demonstrate strong interpersonal relations abilities toward interviewing disaster victims using disaster home loan inquiry sba form 700 to include determining if applicant meets income requirements.

ø  drive organizational success by calculating cash available utilizing preliminary fixed debt method approach, along with handling all decision-making regarding application issuance or summary decline.

 

professional experience (continued)

 

quality control specialist, solomon edwards group llc                                                                     2008

ø  analyzed and interpreted operational findings to ensure all business areas met compliance-oriented objectives and optimal positioning for positive regulatory and internal audit exam results.

ø  compared applications / loan documentation against system input, as well as reviewing packages for accuracy, confirming data fields, identifying data discrepancies, and supporting due diligence issues.

ø  effectively identified and reviewed loans for compliance-related items, i.e. deed of trust, promissory notes, modifications, title policy, truth-in-lending act, hud, and appraisals.

ø  met deadlines to provide essential quarterly and monthly data to internal associates and financial advisors.

 

senior processor, contemporary services, inc.                                                                         2003 c 2007

ø  performed efficient due diligence on all closed loans, ensuring that surveys, tax certifications, hazard insurances, incomes, addendums, contracts, signature pages, closing fees, deeds, and notes were in complete compliance prior to selling loans to investments.

ø  oversaw the consideration of all loan-oriented aspects to guarantee superior investment quality, as well as determine whether the loan met all lender criteria.

ø  proficiently processed va loans for all 50 states for wells fargo (phoenix, az) and conventional builder and new construction loans for well fargo (frederick, md).

ø  provided optimal interfacing with internal customers and third parties to obtain all required underwriting and closing documentation, including serving as a beneficial organizational liaison to the veteran s affairs office for certificate of eligibility and dd214 forms.

ø  collaborated with builders and loan officers to obtain project approvals and condo certification forms, along with retrieving and reviewing necessary payoff quotes, credit reports, assets statements, loan-to-value ratios, applications, title / flood certifications, appraisals, and fha / va case numbers (i.e. caivrs, ldp / gsa).

 

junior underwriter / senior processor, wells fargo home mortgage                                       2001 c 2003

ø  provided underwriting (level 1) on conventional loans according to lp / automated underwriting findings.

ø  handled necessary due diligence and ensured compliance with freddie mac and fannie mae on all closed loans prior to selling to investors, as well as requiring the accuracy of all completed and / or modified documentation, such as surveys, tax certifications, hazard insurance, hud, and promissory notes.

ø  performed effective interfacing with borrowers, co-workers, and third parties to obtain underwriting and closing documentation for file, along with coordinating the approval of trust agreements with closing attorneys.

ø  obtained all essential internet-based information concerning payoff quotes, flood certificates, appraisals, fha case numbers, caivrs, ldp / gsa, refund authorizations, va case numbers, and automated certificates of eligibility.

 

middle market loan administrator / financial officer, chase bank of texas                                1997 c 2001

ø  maintained responsibility for the information-oriented integrity of one tracking database, credit approval document (cad), and clas systems.

ø  effectively and efficiently processed middle market loan transactions, including obtaining all necessary documentation utilized to underwrite and close the loans.

ø  accurately processed sba loans through the employment of essential analysis, structuring, approval, servicing, and liquidation within sba guidelines.

 

~ additional job history ~

 

banking officer, texas commerce bank                                                                                       1989 c 1998