PROFILE

Organizational structure and finance management is my expertise. I am

efficient in customer management, market analysis, forecasting and

budgeting. I possess a high, in-depth understanding of business principles,

concepts and practices. I feel that with my knowledge and experience in

sales, corporate finance, business administration and home lending retail,

I would be a great asset to any organization. My goal is to attain a

position that will maximize professional growth, career development and

leadership opportunity.

EDUCATION

MASTER OF BUSINESS ADMINISTRATION

University of Phoenix ? Jacksonville, FL

BACHELOR OF SCIENCE IN CRIMINAL JUSTICE

University of Louisville ? Louisville, KY

ANALYZING FINANCIAL STATEMENTS

American Bankers Association

LICENSES

NATIONAL MORTGAGE LICENSING SYSTEM- REGISTERED LOAN

ORIGINATOR # 817297

Formally held SERIES 6, 7, 63, AND 65 LICENSES

Expertise & Technical Knowledge

Financial Services ? QC Auditor ? Organizational Skills ? Communication

Skills

TILA ? Analytical Skills ? Loan Origination ? Written Skills

Multi-Task ? Compliance ? Problem Solving Skills ? ECOA ? Microsoft Office

Skills ? Excel ? PowerPoint

PROFESSIONAL EXPERIENCE

QC Enterprise Audito r

EVERBANK ? Jacksonville, FL

2013-2014

< Monitor and test Commercial Lending, Retail, Wealth Management, and World

Markets activities within the bank.

< Perform a wide range of activities to ensure that commercial lending is

conducted in compliance with federal regulations and established bank

policies and procedures.

< Conduct monthly audits in accordance with the Commercial Quality Program.

< Maintain 98% percent accuracy rate to ensure the integrity of the QC

program is preserved.

< Work with business lines to develop effective management action plans.

< Work in partnership with manager, legal and compliance on audit criteria,

while ensuring adequate sampling methodology is in place.

TEAM LEAD FOR BANKRUPTCY AND FORECLOSURE, SERVICING AND DEFAULT

Wells Fargo ? Jacksonville, FL

2012-2013

< Managed 17 audit associates to validate foreclosure loans were in

compliance with mortgage terms; and fees assessed were permissible under

the term of the loan documents, such as affidavits of debt, Proof of

Claim, substitutions of trustee, and affirmation for state and federal

laws.

< Served as a single point of contact for escalations and requested

information; determined if any errors, misrepresentation or deficiencies

can be identified as a financial injury to the borrower.

< Verified processes and procedures were followed, system of record

notated, and borrower communications were performed in accordance to

Directives and Internal Operating procedures.

Senior Loan Processor, Retail HL

JP Morgan Chase ? Jacksonville, FL

2011-2011

< Adhered to SAFE Act consumer protection. Processed conventional purchases

and refinance loans. Analyzed loan documentation to verify eligibility

based on Fannie Mae & Freddie Mac conventional and non-conventional

investor guidelines. Reviewed Title Commitments, FEMA standard

determination, tax certificates, surveys, and appraisals for complete

underwriting approval.

< Verified pricing, credit, income, and assets to ensure all documentation

meet underwriting guidelines. Issued

Re-disclosures as required by Federal regulatory compliance and review

rate lock and point objectives for accuracy.

< Ascertained pricing and fees were accurately reflected on each

transaction and ordered all necessary appraisals, title, and credit

documents.

QA ANALYST, IMMINENT DEFAULT

JP Morgan Chase ? Jacksonville, FL

2010-2011

< Adhered to legal regulatory bank policies, procedures, and guidelines.

Exercised sound judgment while maintaining the objective of maximizing

profitability.

< Analyzed contractual agreements in an effort to determine resolutions on

loan defaults based on capacity, credit, cash and collateral.

< Reviewed asset statements to determine reserves for projected expenses

over the life of the loan. Applied judgment based on DU findings.

Objective was to determine risks and value of assets vs. liabilities.

INVESTOR SERVICES ADVISOR

Bank of America / Merrill Lynch ?

Jacksonville, FL 2009-2010

< Provided financial planning and investment advice to individuals,

corporate organizations and governments.

< Advised clients on investment earnings, stocks, bonds, mutual funds and

other investment strategies.

< Maintained rapport with all clients through follow, management and

servicing.

< Provided quick assessment analysis in obtaining investment, savings, and

liability management solutions to formulate financial strategic plan.

< Managed pooling and investing shareholder's wealth in viable group

assets as stated in the fund's objectives.

< Performed pivotal role in developing the financial advisory center's

growth strategy.

LOAN CONSULTANT

Wachovia (Subsidiary of Wells Fargo) ?

Jacksonville, FL 2008-2009

< Thoroughly reviewed, assessed, and approved commercial, real estate, and

credit loans.

< Established referral networks within a potential loan market to prospect

customers and expanded client base.

< Collaboratively worked with underwriters in formulating resolution for

mortgage application problems.

< Communicated with borrowers to update them regarding their financial

position and to recommend various methods of payments, such as mortgage

loan officers, agents, collection analysts, loan servicing officers, and

loan underwriters.

< Advertised and sold bank products and services to a variety of customers

that could address their needs.

LOAN CONSULTANT

Washington Mutual ? Jacksonville, FL

2001-2007

< Successfully initiated and introduced a variety of mortgage loans and

other financial products in alignment with current programs and product

parameters.

< Performed various responsibilities, such as presenting application and

supporting documents, assessing credit-worthiness, and determining

repayment risk to facilitate the process of loan approval.

< Closely worked with a cross-functional team in coordinating and directing

the entire loan process cycle from initiation to funding.

< Rendered assistance and guidance to new team members in appropriately

handling escalated customer problems and specific product and service

inquiries.

AFFILIATION

UNIVERSITY OF LOUISVILLE FOOTBALL 1993 LIBERTY BOWL CHAMPION

FREE AGENT ATLANTA FALCONS 1994

CHAMBER OF COMMERCE

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