career objective

 

results-driven, solutions-focused and detail-oriented professional desiring a challenging and rewarding executive-level financial administration role within a dynamic and successfully progressive organization.

 

profile

 

offer over 19 combined years of solid experience within consumer finance, financial / business analysis, loan administration, and underwriting roles, including 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.

 

proficient in 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 • type 60

 

professional experience

 

quality control specialist, solomon edwards group llc                                                     2008 c present

ø  maintain responsibility for the analysis and interpretation of operational findings to ensure that all business areas meet compliance-oriented objectives and ensure optimal positioning for positive regulatory and internal audit exam results.

ø  accurately compare applications / loan documentation against system input, as well as review loan application packages for accuracy, confirm data fields, indentify data discrepancies, and support due diligence issues.

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

ø  successfully meet all operational deadlines to provide essential quarterly and monthly data to internal associates and financial advisors.

 

professional experience

(continued)

 

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

ø  handled all necessary due diligence and ensured necessary 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, among others.

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.

 

banking officer, texas commerce bank                                                                                       1989 c 1998

ø  managed over $12 million in assets related to all commercial, oil and gas, real estate, and sba loans, including coordinating and supervising multiple priorities initiated by commercial loan recovery resulting in the preservation of capital and reduction of defaulted loans.

ø  established necessary contact with problem borrowers to restructure and / or collect portfolios to maximize loan recovery, along with successfully negotiating payment arrangements and processing new notes on past due loans which resulted in an overall reduction in capital loss.

ø  analyzed financial statements, applications, and credit bureau reports, along with preparing comprehensive consumer financial documentation for customers and instructing them on financial activities on a one-on-one basis.