Professional Summary

Skills

Work History

SONIA REYNOLDS

(C) 407-***-**** acqg8w@r.postjobfree.com

Senior Credit Analyst with a unique set of solutions for every problem. Creative in decision making, while careful in taking

conservative risks to increase sales and customer retention. Strong time management skills and the ability to work effectively

under pressure, at the same time delivering exceptional service.

Strong banking ethics

Goal-oriented

Self-sufficient

Positive attitude

Team player

Excellent work ethic

Sr Credit Analyst 01/2014 to Current

Insight Credit Union

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending

money.

Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and

purchase activity.

Confer with credit association and other business representatives to exchange credit information.

Generate financial ratios, using computer programs, to evaluate customers' financial status.

Keep company credit exposures within set risk bearing limits.

Real Estate Underwriter 07/2005 to 12/2013

Insight Credit Union

Underwriting 1st and 2nd Mortgage loan files for compliance in line with Federal, State, NCUA, and Fannie Mae

regulations.

Prepare loan documentation that will meet secondary market standards.

Interact with Quality Control, Compliance and Funding for problem resolution, risk evaluation and compliance concerns.

Review appraisals for conformity with initial loan sizing, underwriting and consistency in accordance to secondary market

guidelines.

Analyze personal and business finacial statements and tax returns, identifying recurring and non-recurring sources of cash

flow.

Real Estate Loan Servicing 02/2003 to 08/2005

Insight Credit Union

Payment processing and reconciliation of general ledgers.

Investor, sub-servicer and escrow reporting processes.

Prepare and execution of mortgage satisfactions.

Disburse payments of taxes, insurance, and private mortgage insurance for escrow loans.

Maintain accurate records of insurance and taxes on all real estate loans.

Review and prepare subordination requests and agreements.

Process modification documents and updates.

Real Estate Loan Processor 01/2002 to 01/2003

Insight Credit Union

Interview potential mortgage loan customers, to determine products that best fit their needs.

Complete mortgage applications, and required disclosures, gathering necessary information and documentation for

processing.

Maintain comprehensive knowledge of underwriting guidelines, including analyzing self-employed borrowers.

Education

Additional Information

Reviewing HUD settlements, and funding packages for accuracy and compliance.

Maintaining communication with underwriter, as to the status of loans, continually keeping Realtor and borrower

informed.

Credit Card Processor 02/1999 to 01/2002

Insight Credit Union

Analyze management reports.

Coordinate and maintain data files.

Liaison between cardholder, merchants, issuer and processor.

Process card payments and assist members with phone inquiry.

Maintain current knowledge and consistent compliance with regulations and bank policies.

Teller 11/1996 to 01/1999

Insight Credit Union

Process routine account transaction.

Open savings and checking accounts.

Promote credit union products.

Verify identification.

Balance currency, cash and checks in cash draw at end of day.

Run end of day reports for branch balancing.

Associate of Science: Information Technology 2002

Herzing University - Orlando, FL

Associate of Science: Biology & Chemistry 1980

Northern Caribbean University - Mandeville Jamaica

Relocated from New York to Orlando FL in 1995. Previous job history can be furnished upon request.

References available upon request

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