Corey Richardson

*** ******* ***** ***** **** *, West Palm Beach, Florida 33401 Cell: 614-

***-****

Email: acn0x1@r.postjobfree.com

PROFESSIONAL EXPERIENCE

JP Morgan Chase - Columbus, Ohio - Financial Analyst - May 2014 to Present

. Handle high volume of lower risk credit transactions to include

Advised Lines of Credit, Asset Account Lines of Credit (AALOCs), Term

Loans, and Letters of Credit all fully secured by high quality

marketable securities for JPMorgan's High and Ultra High Net Worth

clients

. Assist Lenders in determining specific collateral value of marketable

securities, prepare credit write ups and documentation for fully

secured credit facilities

. Provide analysis on new credit opportunities to internal team

partners, senior mgmt., and credit executives

. Manage annual review volume to ensure risk grading, write up credit

and exposure reports

. Communicate with capital advisors and other team members on rates on

current facilities and collateral values

. Use strong analytical skills to perform financial analysis and

formulate structured credit transactions

Wells Fargo - Charlotte, NC - Underwriter III - December 2012 to February

2014

. Licensed Loan Officer- NMLS ID 882267

. Reviewed conditions submitted on loans from Account Managers and

signed off the conditions when appropriate

. Consistently meet and exceeded established minimum productivity levels

as determined and required by management for both underwriting and

condition management

. Implement fraud techniques and perform compliance reviews and

explained rationale on all credit decisions

. Perform credit and property analysis on conventional loans with Credit

Level Authority

. Calculated borrower's income and debt-to-income ratios

. Managed and monitored daily workflow of assigned files for new

underwrites and conditions to be reviewed and signed off

Bank of America - Charlotte, NC - Underwriter I - January 2012 to December

2012

. Obtained designated SASE level II approval authority for more complex

loan requests

. Assisted peers on answering underwriting product, policy, procedure

questions, and loan exceptions

. Performed comprehensive appraisal reviews to ensure the collateral is

acceptable

. Effectively communicate all decisions and any required conditions to

the broker, Account Exec. or Acct Manager

. Worked closely with Account Manager and/or Account Executive to answer

loan specific underwriting questions, to discuss specific conditions

or documentation requested and to resolve problems

Zenta, Inc / Accenture - Charlotte, NC - Underwriter/Credit Analyst II -

July 2010 to Jan. 2012

. Estimated the main property, financial power and credit worthiness of

all borrowers

. Confirmed information listed on applications, requested supplementary

documents essential for sale of loans to secondary markets

. Performed timely reviews of conditions submitted as well as loan

resubmissions

. Reviewed financial statements, used fraud detection techniques and

renegotiated loans

. Reviewed both Government (Z-FHA), HARP, and Conventional Loans

Wells Fargo - Charlotte, NC - Jr. Underwriter I - November 2009 to July

2010

. Reviewed financial statements, credit reports, debt ratios, loan-to-

value, property valuations, and banking transaction statements to

ensure accuracy

. Ensured that condition documents were consistent, upheld company and

industry guidelines and implemented fraud techniques

. Performed compliance reviews

. Assisted with renegotiations/counter-offers of loans

Bank of America - Charlotte, NC - Jr. Underwriter - June 2009 to November

2009

. Processed mortgage refinance loans

. Communicated with the borrowers to obtain necessary financial

documents

. Analyzed credit reports

. Obtained credit authority/Cleared underwriting conditions

. Managed expected service levels related to decision and condition

clearing

. Updated information on processing and underwriting systems to verify,

add, delete or waive conditions

Century Financial Services - Lexington, SC - Sr. Loan Officer - November

2001 to May 2009

. Assisted management productivity reports

. Integrated networking skills to originate loans and grow client base

. Originated, analyzed, and processed loans from start to finish

. Processed purchase, refinance, and debt consolidation loans including

government loans

Education: B.S. Business Finance, University of Phoenix, Charlotte,

NC

2013 - Present (Scheduled graduation December 2016)

Skills: Microsoft Office: Word, PowerPoint, Excel, Outlook

Calyx Point & Edge Origination Software

AUS/DU/LP - LPS/Citiworks - Self-Motivated

REFERENCES AVAILABLE UPON REQUEST

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