Work Experience

JP Morgan Chase; Jacksonville, FL

January 2012 - Present

Mortgage Banking Credit Analyst

. Completion of intensive mortgage banking credit analyst training

program

. Underwrite loan packages using proprietary automated underwriting

systems

. Understand and apply credit guidelines of JPMorgan Chase, Fannie Mae,

and Freddie Mac

. Review and underwrite loans to ensure soundness, accuracy, business

value and compliance with company and investor guidelines

. Evaluate debt ratios, loan-to-value ratios, credit scores, property

valuation and various risk factors as it relates to investment quality

loans to ensure loan salability

. Analyze appraisals to ensure all subject and comparable property

guidelines are met

. Underwrite loans for sale to Fannie and Freddie to be securitized and

sold in the secondary market

J. DeCumber Lawn Maintenance LLC; Pompton Plains, NJ

May 2008-November 2011

Associate

. Worked as part of five-man crew on 90-100 job sites per week

. Helped manage and coordinate five-man crew on daily assignments and

projects

Wesleyan University: Freeman Athletic Center; Middletown, CT

January 2008-May 2011

Building Monitor

. Maintained part time employment through college to help finance my

education

. Visitor assistance and building monitor

Education

Wesleyan University - Class of 2011

Middletown, CT

Bachelor of Arts in Economics

Pequannock Township High School

Pompton Plains, NJ

Graduated June 2007 - National Honor Society

RELEVANT Educational COURSE WORK

. Economic Theory

. Microeconomic Analysis

. International Economics

. Latin-American Econ. Dev.

. Macroeconomic Analysis

. Quantitative Methods in Econ

. Economic Analysis and the Law

. Public Economics

. Economics of Work and Pay

. Investment Finance

. Econ. of Developing Countries

. Intro to Comp. Programming

Extracurricular activities and Accomplishments

. Wesleyan University Varsity Football Team

. Delta Kappa Epsilon Fraternity

. Pequannock High School Varsity Football Team (Captain)

. Pequannock High School Varsity Track Team (Captain)

. Future Business Leaders of America - Pequannock H.S.

Social Service involvement

Seeing Eye Inc. / Seeing Eye Dog Raiser

2001-Present

. Raise and socialize Seeing Eye Dogs prior to official training

. Assist in execution of club demonstrations and trips, working to

promote mission to public and recruit new volunteers

Skills

. Strong quantitative and analytical skills

. Strong interpersonal and communication skills

. Well organized and detail oriented

. Ability to function well in demanding and fast-paced environment

. Proficient in Microsoft Office - Excel (Lookup Functions, IF

Statements, Pivot Tables), Access, Word, PowerPoint

. Familiarity with VBA in Excel

.

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