BM
BE'LINDA MCKENNEY
ad40ss@r.postjobfree.com 469-***-**** Forney, TX 75126 WWW: Bold Profile
Experienced financial professional with a demonstrated history of working in Real Estate, AML and Government Sponsored Programs. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. 7a Loan Post-Servicing
Knowledge of SOP 50-10
OFAC/PEP
SAR (Semi Annual Reporting)
Guaranty Purchase Tracking System (GPTS)
SAR (Suspicious Activity Reporting)
Verbal and written communication
Documentation Review
Analytical Skills
Portfolio Management
Regulatory Compliance
Risk level determination
Forensic research
KYC
CDD
EDD
CIP
Small Business Administration Little
Rock, AR
Loan Specialist Full-Time 40hrs Wkly
05/2020 - Current
Gather and review facts and data relating to the loan balance, lien situations, collateral, interests of other creditors, and any assets of the borrower which may provide recovery to the Agency
Perform purchasing, liquidation, extension to the liquidation period, billing for non-compliance, SAR reporting and charge-off of delinquent loans or potentially delinquent loans.
Review liquidation plans setting out the steps to be followed to achieve the orderly liquidation of the particular debt.
Determines when all reasonable collection efforts have been exhausted and recommends that a loan be charged-off.
Provide training support for employees in order to ensure successful knowledge of work assignments.
Review existing contracts and agreements between the SBA and its partners to ensure compliance with applicable laws and regulations. Capital One Financial Corp Plano, TX
AML Fraud Investigator III Full-Time
40hrs Weekly
08/2018 - 06/2019
Wrote suspicious activity reports, filed CTR's, working with FINCEN, and other applicable AML processes in accordance with regulations and time limitations
Reviewed system generated alerts, assess impact to AML processes, conducted research as required, and documented results in written format Reviewed multiple types of fraud such as counterfeit, synthetic, first party fraud, ATO (Account Take Over) and third party fraud and reported any and all types in SAR filings
Identified patterns of suspicious activity across multiple accounts or transactions.
Summary
Highlights
Experience
Collaborated with external agencies such as banks, credit card companies, and law enforcement when necessary.
Gather facts through such methods as bank transactions,credit reports, credit card transactions, contacts with allegers or others, and analyze records to establish facts or obtain evidence.
SBA Office of Disaster Assistance Fort
Worth, TX
Loan Specialist Full-Time 40hrs Wkly
10/2017 - 05/2018
Assisted homeowner(s) and or business owners in obtaining a loan to repair their homes or businesses affected by Hurricane Harvey, Irma or Maria or any other disaster
Interviewed applicant(s) to obtain all pertinent facts to determine the applicant's ability to pay and estimates of damages after the insurance proceeds were received
Verified coverage of insurance with varies insurance companies and communicated with the homeowner(s) and or business SBA's policies and or procedures to alleviate double payments.
Conducted risk analysis to identify potential losses associated with certain loans.
Responded orally and/or in writing to applicants or their representatives. Verified accuracy of loan documents prior to approval. Analyzed borrower's financials, creditworthiness, and collateral position for loan approval decisions.
Analyzed insurance policies to assess coverage for flood-related claims. Calculated replacement cost values for damaged items based on current market prices.
Reviewed data to verify validity of claims and determine case management actions.
NTT DATA Farmer Branch, TX
AML Analyst Full-Time 40hrs Wkly
09/2015 - 10/2017
Performed required EDD steps on high risk customers Reviewed KYC for completeness and accuracy as part of the customer validation in order to assess and document the risks associated with that customer
Identified and addressed items through day-to-day assignments to ensure the bank's KYC and CIP standards were met
Analyzed customer data, transactional activity open source information to determine legitimacy and potential risk exposure
Performed searches utilizing internet sources and/or third party vendors to determine negative news/PEP and obtain due diligence information on new/existing customers
Reviewed and resolved EDD alerts; escalated findings to manager when appropriate
Knowledge of the laws applicable to money laundering, including Bank Secrecy Act, the USA PATRIOT Act,US Treasury AML guidelines, OFAC requirements, and Suspicious Activity Reporting requirements Investigated alerts generated by automated monitoring tools for potential money laundering activity.
Regional Acceptance (Contract)
Arlington, TX
Backend Collection Specialist
09/2014 - 09/2015
Located debtors by utilizing skip tracking and other strategies Notified customers of delinquent accounts with attempt to collect outstanding amounts
Handled irate customers smoothly to achieve performance targets Worked accounts 61 days past due and up
Made outbound and received inbound calls
Assigned accounts out for repossession and provided support needed Thoroughly and accurately documented account activity JP Morgan Chase Coppell, TX
LM Home Liq Specialist III Full-Time
40hrs Wkly
09/2011 - 05/2014
Reviewed all items and conditions provided by borrowers and ensured they met the required guidelines by utilizing internal and external (e.g., agency) polices and procedures
Monitored property appraisal process to ensure the value of a property is accurately presented
Communicated credit recommendations
Calculated Debt-to-income ratio
Assessed individual's creditworthiness while adhering to all regulatory and compliance requirements
Worked in a fast-paced, high volume environment, while practicing sound lending judgement
Analyzed short-sale offer to identify any risk issues and/or potential misrepresentation
Negotiated contracts between sellers and the bank to avoid D-I-L of foreclosure
Coordinated with attorneys representing lenders in court proceedings related to foreclosures.
Wingspan Portfolio Services Carrollton,
TX
Loan Resolution Specialist Full-Time
40hrs Wkly
06/2010 - 09/2011
Marketed delinquent mortgage notes to investors, negotiating to achieve highest bids for notes and short sales
Reviewed accounts to determine payment plan compliance Negotiated rates with customers and entered payments into accounting system
Met demands of busy collections group by performing high volume of daily calls
Routinely contacted account holders with balances over 60 days past due to resolve delinquencies
Utilized skip tracing resources such as background checks and loan documents
AHMSI (American Home Mortgage
Servicing) Coppell, TX
Home Retention Specialist III Full-time
40hrs Wkly
01/2009 - 06/2010
Researched discrepancies in foreclosure documents and loan agreements Assisted attorney in title search operations and checked all title issues in coordination with supervisor
Handled escalated calls
Reasoned with customers and attempted to negotiate full balance payments
Used effective questioning techniques to clarify why debtors were delinquent
Handled contracts and payments on accounts
Located debtors by utilizing skip tracking and other strategies Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues Saxon Mortgage Fort Worth, TX
Loss Mitigation Specialist Full-Time 40hrs
Wkly
08/2006 - 01/2009
Provided information about different property liquidation options Managed portfolio to control overall mix of accounts and exposures Negotiated payment arrangements
Served as liaison between borrowers and lenders and collaborated with both parties to obtain optimal loans for home purchases Worked with customers to put together plans focused on retaining property ownership
Contacted borrowers to assess reasons for default, individual intents and options for resolving issues
Helped clients and attorneys complete short sales
Put together and sent out reinstatement and payoff quotes TranSouth/Arcadia Bedford, TX
Collections Specialist 40hrs Wkly
06/2002 - 07/2004
Negotiated rates with customers and entered payments into accounting system
Completed skip traces on customers failing respond to collection efforts Made outbound and received inbound calls on delinquent borrowers Worked accounts 61 days past due and up
Assigned accounts out for repossession, provided repo support as needed Processed payments over phone and set up recurring drafts Met demands of busy collections group by performing high volume of daily calls and maintaining superior quality assurance results Consumer Portfolio Services Inc. Irvine,
CA
Collection Supervisor Full-Time 40hrs
Wkly
11/1999 - 05/2002
Directly supervised and coordinated the activities of collectors, to ensure collection of accounts
Established collection goals monthly, quarterly and annually in conjunction with management
Delivered/reviewed scorecards to staff on aging percentages Trained new debt collectors in collection policies, procedures and activities Performed other miscellaneous duties as needed and as assigned Point of contact for call escalations and provided proper guidance and feedback after the call as a coaching opportunity
Set individual goals for all team members for semi-monthly performance evaluations, to include retention, completion, quality assurance and attendance goals
Handled escalated calls, and negotiated payment arrangements on account that could not be settled by the collector
El Centro College Dallas, TX
High School Diploma
North Lake College Irving, TX, United States
Certificate in Real Estate
Former Texas Realtor
Independent Claims Adjuster License #2307984, Texas EDUCATION
Personal Information
Skills