Phil Kincaid

**** ********* **

Newark, Ohio ****5

aco941@r.postjobfree.com

Cell 740-***-****

Nationwide Bank

Sr. Credit Analyst

**/**- */**

Review and approve all commercial loan requests submitted by Nationwide

agents and all independent agents selling Nationwide Products.

Examine financial statements supporting debt service is in compliance with

Nationwide Bank guidelines.

Prepare credit recommendations for lending committee for commercial loans.

Responsible for quality control reviews on all agent and small commercial

loans under One Million dollars.

Present reports to credit committee for loans currently down graded and

loans required to be added to the watch list.

Primary contact for OCC and FDIC audits.

Evaluate suspicious activity reports and prepare AML violations to legal

departments.

Prepare investigation reports on all possible AML violations.

Review AML reports every morning in compliance with Nationwide Bank

guidelines.

5th/3rd Bank

1/13-

10-13

Sr. Underwriter Credit Analyst.

Office Closed

Columbus, Ohio

Review loan requests for purchase's and refinance of investment and primary

residence for compliance to bank and secondary guidelines.

Review and approval commercial credit requests after reviewing financial

statements from self employed borrowers.

Review all files in compliance with the Bank Secrecy Act and USA Patriot

Act.

Review eight to ten files per day for compliance to investor and bank

guidelines.

Approve or decline all Fannemane and Freddiemac specialty programs for low

income borrowers.

Refer all commercial loans to review c committee that did not conform to

bank guidelines.

Clear loans for final approval and closing. Review all pay off's, title

work and homeowners insurance policies verifying correct coverage.

Work with junior underwriters documenting all work and approvals meet bank

guidelines.

Responsible for answering and clearing all quality control and repurchase

issues.

Examine all files ready for closing documenting everything in the system

match's DU and LP.

Review lines of credit for both residential and commercial loans.

Citizens Bank (contract)

9/11- 12/2012

Underwriter III

Office closed

Columbus, Ohio

Responsible for compiling data and performing rating calculations

Underwrite first mortgages for compliance and sale on the secondary market

Review all aspects of the loan file from pay stubs to tax returns of self

employed borrowers

Review and approve or recommend appraisals for approval or review by

company appraisers

Sign off on all conditions for loan closings

Prepare financial statements on all self employee borrowers

Provide training to new staff as needed

Answer questions on loans from staff and loan officers

Verify all data input to DU is correct

Maintained a 95% approval rating over the last 14 months from quality

control

Averaged 160 loans per month

Responsible for contacting loan officers and processing staff on loan

denials or loan pending

Review and understand all aspects of the Bank Secrecy Act and USA Patriot

Act.

Peoples Bank

7/11- 9/11

Special Assets Portfolio Manager

Marietta, Ohio

Provided work outs on commercial loans ranging from apartment complexes to

strip malls to hotels

Reviewed financial statements for recommendations on repayment plans

Monitored loans that have work out plans

Reviewed all loans currently in litigation for assignment of receivers on

investment properties

Reviewed and approved monthly reports from receivers verifying all

properties are being marketed effectively

Ordered BPO's when loan placed in my portfolio prior to contacting customer

to offer a verifiable plan that will benefit the borrower and the bank

If the loan is taken back into the banks REO I am responsible for marketing

and listings with agents until sold

Chase Bank (contract)

5/11- 7/11

Contract Sr. Credit Analyst

Contract ended

Reviewed commercial loans underwritten through Chase's underwriting

department verifying compliance with the banks underwriting guidelines once

the file has been turned into special assets

Reviewed all financial documents for recommendation of new loan

modification terms

Contacted the customer to provide work out terms according to recommended

modification terms

Provided recommendations to loss mitigation department on grade of loan and

all FAS 114 calculations

Provided analysis on new financial statements provided by borrower

verifying through the banks fraud department that all information is

correct

Reviewed revised appraisal documenting the value is still supported and no

repairs are required

Responsible for marketing property through listing and sale

Provided weekly reports on all properties in my portfolio breaking down

status on sales, losses and current condition on properties

First Home Finance

8/09-5/11

Sr. Underwriter, Credit Analyst

Office closed

Columbus, Ohio

Responsible for daily operations of office staff documenting all daily work

was complete

Contracted with out of state banks providing work outs for commercial and

residential loans

Handled a portfolio of $45 million dollars

Provided work outs on commercial properties ranging from apartment

complex's to small business and large multipurpose buildings and strip

malls

Reviewed financial reports and prepared monthly audit reports for all loans

in my portfolio

Recommended loans for foreclosure due to inability to provide a successful

work out

Worked with customers on conventional loans on forbearances and loan

modifications

Provided work outs on Fannie Mae and Freddie Mac loans up to jumbo

guidelines

Issued new forbearance and loan modifications on all conventional and

government loans

Advantage Bank

4/08 - 7/09

Special Assets Coordinator/ Credit Analyst

FDIC took over

Reviewed and approved loan modification for conventional and government

loans

Reviewed all legal documentation prior to submission to attorneys and

approved final paper work prior to attorney filing with the courts

Prepared write ups for loan modifications and forbearances on all

residential and commercial loans

Responsible for maintaining a residential and commercial portfolio of $15 -

25 million

Complete understanding of business law as it pertains to bankruptcies and

commercial lending

Daily responsibilities include monitoring delinquency, updating commercial

lines of credit by analyzing complex financial statements and preparing

write ups for credit committee

Ensured all loans secured with equipment are verified and values supported

Worked with attorneys on loans currently in foreclosure and commercial

loans ready for auction

Performed property inspections on all loans currently in the portfolio

Prepared loans for senior credit committee on loans over my sign off

authority

Credit Analyst/ Loan auditor

3/07-4-08

Dixon Davis & Bagent Co. C.P.A.

Granville, Ohio

Responsibilities included conducting on site audits of small community

owned banks thru out Ohio

Made recommendations to board and Sr. management on all commercial,

residential and agricultural loan work outs including bankruptcy, short

sale guidelines and recommendations to work outs on lines of credit

Reviewed all Commercial, Residential and Agricultural loans currently in

the bank's portfolio

Reviewed financial statements and tax returns for proper qualifying

calculations

Presented final report to the Sr. Board of Directors on findings from Audit

M&T Mortgage

12/92-3/07

Operations and Underwriting Manager

Office closed

Responsible for daily operations of office staff including processing,

closing and underwriting

Underwrote commercial loans including refinancing, new construction and

lines of credit with sign off authority to $25 Million dollars

Completed on site audits of builders who have established lines of credit

Reviewed all financial statements for all commercial loans and lines of

credit

Supervised work outs on commercial lines of credit, new home builders lines

of credit and all residential loans

Signed off on FHA, VA loans underwritten thru LP. And DU

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