Credit Administrator/ Credit Analyst
Resume:
La-Oar Soundara
Mitchell, SD 57301
acn373@r.postjobfree.com
Cell: 605-***-****
Objective:
I am applying for a Junior Agricultural Lender – Banking position. Where I can utilize my
communication, problem solving, and analytical skills combined with my experiences to
contribute to the company's overall success.
Qualifications:
Loyal, dedicated, responsible, honest
Strong leadership skills, analytical
Team player, self-motivated
Positive attitude, diplomatic
Organize, personal computing skills
Bilinguals
Ability to meet standards and quality
Ability to analyze data and multi-tasking
Ability to clearly communicate in both verbal and written means
Ability to followed and make decision within approved guidelines
Ability to navigate in multiple processing systems
Experiences:
Wells Fargo Home Mortgage
Mortgage Loan Documentation Specialist 4 - Home Loan Processor
November 2012 – March 2014
Supports Home Mortgage Consultants in the processing of Wells Fargo home mortgage
loans. Along with regular interaction with WF customers, duties include interpreting
policies while analyzing applications, property specs and documentation; ordering all
required verifications and conducting follow up with the customer or internal contacts as
needed. Make sound business decisions based on credit r isk policy and procedures. Perform high volume, time sensitive tasks related to the loan documentation process which includes researching and problem solving to ensure compliance with customer loyalty, quality and timeliness standards. Being a main contact point for the customer through their loan process. Requesting and gathering all required documentation while ensuring a high level of customer service is consistently provided.
Wells Fargo Bank
Sioux Falls, SD December 2008 – August 2012
Student Loan Docs Specialist 3
Responsible for performing a variety of loan documentation duties on moderately complex
loans, using comprehensive knowledge of policies and procedures for loan products.
Functions include: processing; closing and compliance for loan products; interpreting
policies while analyzing applicant, property and documentation; ordering all required
verifications, documentation and subsequent follow ups
Auto Loan Acceptance Corp.
Sioux Falls, SD February 2008 - August 2008
Underwriter
Responsible for reviewing, analyzing, approving and underwriting moderate
individual consumer requests and products within company and industry
guidelines. Dependent on division, functions may include evaluating and ensuring
overall loan documents are accurate, complete, and compliant; reviewing of financial
statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value) and
other supporting documentation; using an automated scoring system or traditional
underwriting to determine acceptability of moderate requests; contacting customers
and partners to gather information to make appropriate decisions, explain rationale
behind credit decisions, and/or to sell/promote line products; staying abreast of any
changes in underwriting provisions; working with production to resolve questions
w hen possible. Call to verify references, employment, residency and customer's
contact phone numbers. Helped account representative take incoming calls from
existing customers, when they get busy. Provide answers to customer base on their
account information. Help take payment over the phone and act as front desk to
take messages and transfer call to the correct department or account rep. Work on
special project for the company in time of need and greet customer face-to face on
daily bases to ensure long term relationship basic needs are met for our customers.
Citibank
Sioux Falls, SD June 2000 - July 2007
Credit Specialist II
Reviewed customers account history and credit bureau to evaluate credit worthiness
on Credit Line Increases requests. Responsible for reviewing, analyzing, approving,
underwriting moderate individual consumer request products within company and
industry guidelines. Dependent on division, functions may include evaluating and
ensuring overall loan documents are accurate, complete, and compliant; reviewing of
financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value)
and other supporting documentation; using an automated scoring system or
traditional underwriting to determine acceptability of moderate requests. Reviewed
new application for any missing information that needed to be verify and make
outbound calls to get it correct. Looked at the guidelines to complete the new
account process by using similar credit history reports and credit bureau reports.
Report any suspicious fraud applications or activities on existing accounts to Fraud
Area. Updates incorrect information to the credit bureaus in Credit Bureau
Disputes queue.
Citibank
Sioux Falls, SD June 1999 - June 2000
Customer Service
Taking inbound calls from customer and help assist with account related inquiries
Educations:
Southeast Technical Institute, Sioux Falls, SD
Associates - Marketing/Advertising/Business, May 1999
Completed all required courses and graduated with a 3.2 GPA
Pipestone-Jasper High School, Pipestone, MN
High School - Diploma, June 1997
Graduated with 3.75 GPA and was honored with "A" honor roll status throughout
high school years
Skills:
Microsoft Works
Word
Excel
PowerPoint
Access
Adobe Photoshop
PageMaker
10 keys skill
References:
Emily Maopraseuth
Citibank Ex Coworker, Friend
Sioux Falls, SD
Carol Nangle
Elementary/High School Teacher
Sr. Instructor
Pipestone, MN
Yuriko Nelson
Citibank Ex Coworker, Friend
Sioux Falls, SD
Matthew Johnson
Citibank Ex Coworker, Friend
Sioux Falls, SD
Ines Wenwoi
Wells Fargo Financial Co Worker, Friend
Sioux Falls, SD
Jason Justice
Wells Fargo Financial Co Worker, Friend
Sioux Falls, SD
Daisy Althaus
Wells Fargo Mortgage Co Worker, Friend
Karen Ahlshclage
Wells Fargo Mortgage Co Worker, Friend
Contact this candidate