Firuza Sultanova

***** **** ***** *****, *****, VA 20105

Cell: 571-***-**** – E-mail: ad1ykr@r.postjobfree.com

Education

MBA, VIU September 2006-Dcember 2008

Bachelors in Banking, TFI September 2001-June 2005

Professional Experience

Aston Carter

HELOC UW June 2022-February 2023

Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.

Reviews residential loan application file to verify that application data is complete and meets establishment standards including type and amount of mortgage, borrower assets, credit, liabilities, and length of employment

Gathering, analyzing, and interpreting credit information for existing and prospective customers to assess credit quality and minimize risk and potential loan loss.

Analyzing financial statements and related materials including spreading financial statements for borrowers and guarantors.

Preparing a written presentation of the pertinent credit and financial information for loan committee approval.

Maintain relationships with vendors and service providers and manage contract and price negotiations.

Coordinate office activities and operations to secure efficiency and compliance with company policies. Identify opportunities for operational growth and increased efficiencies

Performing other duties and special projects as assigned

Bayview Asset Management

Underwriter/Credit Analyst April 2021-April 2022

Underwrite the file with FNMA/FHLMC guidelines, portfolio/private Investor loans

Supportive environment that offers autonomy, customer service and a commitment to doing it right

Applying knowledge of conventional and/or government guidelines, federal lending regulations governing real estate lending

Preparing financial projections and sensitivity analysis.

Maintain relationships with vendors and service providers and manage contract and price negotiations.

Coordinate office activities and operations to secure efficiency and compliance with company policies. Identify opportunities for operational growth and increased efficiencies

Performing other duties and special projects as assigned

Sourcepoint

Underwriter April 2020-April 2021

Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.

Reviews residential loan application file to verify that application data is complete and meets establishment standards including type and amount of mortgage, borrower assets, credit, liabilities, and length of employment

Coordinate office activities and operations to secure efficiency and compliance with company policies. Identify opportunities for operational growth and increased efficiencies

Maintain relationships with vendors and service providers and manage contract and price negotiations.

Performing other duties and special projects as assigned.

Mortgage One Solutions

Underwriter/Accounting Assistant November 2017-April 2020

Assist in the account payable process

Provide support to the cash receipts and accounts receivable function

Perform purchasing functions

Serve as lead for document retention practices

Builds and maintains cooperative work relationships with others. Completes tasks for group projects in a timely and responsible manner.

Making presentations on variable projects

Performing other duties and special projects as assigned.

Homeside Financial LLC

Sr. Loan Processor/Jr. Underwriter/Credit Analyst March 2015 – October 2017

Verifies, compiles, and reviews application information for mortgage loans

Reviews residential loan application file to verify that application data is complete and meets establishment standards including type and amount of mortgage, borrower assets, credit, liabilities, and length of employment

Manage office supply inventory. Serve as a liaison to the Marketing department for specific printed material

Assist HR Manager with new hire onboarding as needed

Manage office supply inventory, ensuring the relevant supplies are stocked and maintain office equipment

Performing other duties and special projects as assigned.

George Mason Mortgage LLC August 2012 – March 2015

Loan Processor

Review initial loan approval and work with borrower to gather appropriate documentation

Collect all required documentation for the loan package

Determine if the file can move forward

Create a loan submission package for the Underwriting Department

Manage office supply inventory, ensuring the relevant supplies are stocked and maintain office equipment

Satisfy all conditions when received from Underwriter

Endure that approval falls within the established lending guidelines

Marion Mortgage LLC

Loan Processor April 2012 – July 2012

Review documentation (i.e. tax returns, bank statements, pay stubs, etc) to make sure everything meets program guidelines and sign off on received conditions once underwritten.

Review file documentation to ensure all necessary items have been requested (i.e. purchase contracts, bankruptcy papers, trust documents, etc)

Order and review all necessary AUS, appraisal and title documentation, as well as all required credit and underwriting documentation

TD Bank January 2009-April 2012

Sr. Customer Service Representative/ Certified Consumer Lender

Borrower’s credit analysis, prequalification

Explain the consumer lending process

Describe various loan products

Updates and validates the accuracy of all data within the loan origination system within specified time frames.

Ensures loan documentation is complete and accurate according to TD Bank policy requirements, lending guidelines and compliance regulations.

Virginia International University, Fairfax, Virginia September 2006 – December 2008

Accounting Assistant

Assist in the account payable process

Provide support to the cash receipts and accounts receivable function

Overall support as needed

Provide support to the CFO as needed

Perform purchasing functions

Manage office supply inventory. Serve as a liaison to the Marketing department for specific printed material

Serve as lead for document retention practices

Process tuition payments

Contact this candidate