Credit Analyst Financial Analyst Business Analyst
Resume:
CREDIT ANALYST FINANCIAL ANALYST BUSINESS ANALYST
Qualifications Profile
Results-driven and multifaceted financial professional with extensive experience in commercial and consumer credit, mortgage banking, equity financing and financial performance analysis. Adept at structuring new credits; analyzing and providing financial information; evaluate cash flow; and identifying business’ stability based on income projections. Known for keen attention to detail, as well as outstanding problem-solving and critical thinking skills to identify, assess, and resolve internal control gaps and servicing issues, while ensuring strict compliance with federal regulations and established financial guidelines. Effective at building positive relationships with clients, vendors, and other professionals of all levels.
Core Competencies
Investment Portfolio Management (MBS) Financial Reports Preparation Loss Mitigation
Business Development Financial Planning and Analysis Accounting and Credit Risk Operations
Client Services Organizational Leadership Cross-functional Collaboration
Professional Experience
The Hilltop Companies • McLean, VA
Manager 2017–Present
Provide hands-on oversight on residential loan portfolio forensic analysis; big data gathering, manipulation, and dissemination, which involve quality assurance, population identification, performance review, and report development
Conduct thorough assessment of portfolio performance and mortgage servicing practices as well as collection of more than 5,000 data files including monthly trust reporting and servicer data
Execute system development and report documentation for the ‘Life of the Loan’ data including loss data, bankruptcy, modification, foreclosure, and other loss mitigation actions, real estate owned (REO), and liquidation data
Perform in-depth financial analysis of commercial entities encompassing revenue and expense reconciliation across multiple internal accounting software platforms
Exhibit efficiency in facilitating regulatory and small business administration (SBA) compliance reviews
E-Trade Financial • Arlington, VA (2012–2017)
Lead Credit Analyst, Credit Risk 2016–2017
Credit Analyst, Credit Risk Operations 2012–2016
Established and maintained strong relationships with sub-servicers, servicers, and recovery vendors, as well as with internal and external subject matter experts (SMEs) for communication and creation of audit work programs
Closely worked with subject matter experts throughout multiple departments to check servicing of active mortgages, foreclosure, REO, loss mitigation, and general servicing operations
Effectively resolved regulatory and servicing issues by evaluating, integrating, and distributing data across multiple platforms, and determined and addressed process gaps and weaknesses with internal and external departments and servicers related to recovery and servicing operations
Directly supervised offshore and in-house Recovery Team, while taking charge of generating and implementing standard operating procedure (SOP) and processes
Demonstrated expertise in assessing portfolio-level big datasets to determine and remediate process gaps, and reviewing bank and brokerage delinquent accounts for quality control and assurance in adherence to federal and state regulatory governance
Proactively interacted with Operations, Servicer Management, and Project Management teams for tracking, verification, and processing of home equity loan servicing transfers
Initiated assessment and presentation of key performance indicators (KPIs) in support to home equity recovery, bank and brokerage collections, and residential mortgage portfolio performance
Generated and submitted Excel-based tracking and reporting to oversee account aging, roll rates, and reserve requirements, as well as Excel-based models to process bad debt account charge off, credit bureau reporting, and account closure for delinquent bank and brokerage accounts
Coordinated with servicers, recovery vendors, and Servicer Management Team by researching and rendering data on disputes and status updates
Proficiently used Salesforce in creating operational reporting dashboards for all credit risk operations departments and senior management
JGA Associates, LLC • Ashburn, VA A2 Medical Group, Inc. • Leesburg, VA
Manager, Corporate Accounting 2011–2012
Senior Analyst Underwriter 2008–2012
Efficiently performed analysis of historic financial statements and tax returns for commercial and industrial (C&I) projects with funding amounts of $250K to $50M
Took charge of generating PowerPoint presentations of funding proposals for commercial, institutional, and private lenders and investors; packaging and submitting SBA loan application documents for eligible projects; and conceptualizing comprehensive models for credit underwriting commercial loans and equity offerings
Observed strict compliance with SBA credit policies and commercial lending guidelines as well as best practices for financial planning and analysis in conjunction with senior management of client companies
Steered efforts in executing the following initiatives:
oStrategic financial planning, corporate structure, and due diligence
oControl development, implementation, and administration for payroll, accounting, and 401K benefits, and supply chain management
oFinancial performance models, revenue forecasting, and proforma budget preparation and management
Served as driving force in successfully decreasing operational costs by maintaining positive relationships and conducting negotiation with existing and new vendors
Earlier Career
SunTrust Bank • Washington, DC
Commercial Banking Intern
Sat for formal credit training program
Education
Bachelor of Science in Finance (Graduated cum laude) (2006–2008)
George Mason University • Fairfax, VA
Technology Experience
Advanced Microsoft Office Applications (Word, Excel, PowerPoint, Access, and Outlook)
Crystal Reports Business Intelligence (BI) Software Open Database Connectivity (ODBC)
Salesforce eBoss Genie C-More SAS Enterprise Guide
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