Financial Analyst, Loan Processor, Underwriter

MENTOR U DIMGBA

CHANDLER, ***** ARIZONA TEL: 480-***-**** E. MAIL: ************@*****.***

SUMMARY OF QUALIFICATIONS

Top-performing professional with 7 years diversified progressive experience in Banking and finance, Financial Services, and Lending institution. Reliable, focused and extraordinary knowledge with an exceptional client service record. Able to analyses, explain complex financial management concepts to a wide variety of professional and non-professional audiences and financial economic data supporting decision making in portfolio Management.

CORE QUALIFICATIONS

Accounting, Corporate Finance, Finance Service

Credit / Processor / Underwriting Production

Customer Service and Relations

Claims Administration and Functions

Effective Communication and Coordination

Financial Modeling and Documentation reporting

Leadership, Training, and Supervision

Regulatory Compliance and Due Diligent

Risk Management and Fraud Prevention

Strategic development and Accurate forecasting

EDUCATION

Master of Business Administration (Finance) – Cardiff Metropolitan University, United Kingdom, February 2015 Environmental Economics (Economics) – University of Buea, Cameroon 2012 / 13 CAREER SUMMARY

WELLS FARGO & COMPANY, AZ APRIL 2016 – FEBRUARY 2017 BANKER / ATM & DEBIT CARD PROCESSOR

Research, develop, evaluate, and execute new and existing fraud mitigation strategies .

Partner with Debit Card Operations, Debit Card Product, Debit Fraud Claims, Compromise Management, and Strategy Implementation teams to understand and analyze all fraud mitigation processes including transaction decisioning, post-decision customer contact/analysis, and fraud claims processing.

Establish and review appropriate reports to detect the latest fraud trend / compromise and translate into actionable recommendations.

Perform regular maintenance and review of specified accounts . Ensured prioritization of sensitive and disputed accounts. Develop and monitor credit card and debit card metrics for portfolio management and optimization.

Negotiate credit disputes with high-level bank and loan office personnel . Oversees the underwriting of consumer credit card applications including approvals and denials in accordance wi th established policies, procedures, and regulations.

Ensure appropriate measurement, evaluation, reporting and governance exists for validation activities.

Assist with all new account openings and business deposits. Furnished program and product informat ion to all new clients as requested. Conducted individual financial analysis to determine appropriate loan and credit options.

NATIONAL FINANCIAL CREDIT BANK, (NFC) MARCH 2015 – NOVEMBER 2015 CREDIT ANALYST / UNDERWRITING

Analyze credit data to determine the degree of risk involved in extending credit.

Review, examine and underwrite loans to ensure sound business value and compliance with company and investor standards.

Review detailed historical and financial analysis utilizing tax returns and financial statements. Performs special financial statement analyses, typically involving complex and interlocking relationships.

Determine acceptance, or rejection in accordance with company underwriting guidelines while keeping the department goals in mind (Profitability and Growth).

Ensure compliance with applicable policies and procedures.

Ensure credit center office cooperation with other departments, to maximize efficiency within the company.

Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.

Responsible for analyzing credit, capacity, and collateral in accordance with established policies and procedures.

Review financial statement and analyze sales revenues, costs, expenses, and tax rates for a ll business units.

Assist with financial analysis, forecasting, and risk assessment.

Track and review gross and net sales an on-going basis. Reconcile accounts by reviewing data and financial documentation.

Prepare annual balance sheets, income statement, review budgetary documentation and conduct cost analysis.

Develop and present financial presentations documenting financial status and providing projection.

Develop detailed spreadsheets to identify trends and develop forecast, consolidate and analyze monthly result and budgets.

SANTANDER BANK AUGUST 2013 – JANUARY 2015

LOAN UNDERWRITER

Calculate and track positive and negative yield statistics, reporting findings to management

Developed pro forma statements, review quarterly reports and cash-flow projections.

Responsible for conducting credit analyses consisting of gathering, analyzing and interpreting credit information for existing and prospective customers to assess credit quality and to minimize risk.

Evaluated the risk of loan applications, appraisal reviews, qualified income, assigned credit grades

Performed regular maintenance and review of specified accounts

Perform in depth forensic underwriting review of closed consumer loan files for compliance with applicable state and federal laws and adherence to specific lender guidelines.

Identify potential fraud and/or misrepresentation for all interested parties to the transaction.

Review automated and manual underwriting approvals, supporting documentation, and re -verify data

Review all documentation and recommendations before final determinations are rendered.

Review income and employment documentation, re-calculate income, and re-underwrite loans as necessary. COMMUNITY CREDIT COMPANY (CCC) PLC JULY 2009 – JUNE 2013 LOAN PROCESSOR

Performed financial assessments and determined eligibility.

Analyze complex loan transactions, reviewed and uploaded transaction documentations .

Analyze loan activity to identify suspicious/inconsistent activity and report to appropriate parties.

Review documents (loan applications, appraisal documentation, title research, borrower's disclosure, and mortgage statements and pay offs) to ensure that they were complete and accurate .

Ensure all loan documentation is complete, accurate and comply with company policies.

Enter loan information into computerized system, update borrowers loan status to ensure excellent customer service. Maintain and manage strong customer relations, knowledge of portfolio, clients, loan accounting, operational procedures, system controls and regulations. Performed final documentation reviews, and packaged and prepared loans for final approval.

CERTIFICATIONS AND MEMBERSHIPS:

CFA Institute

Chartered Financial Analyst, CFA July 207 – Present Loan Processor

Arizona School of Real Estate and Business, June 2017 Certified Master Mortgage Underwriter

National Association of Mortgage Underwriters (NAMU - CMMU), February 2017

- Advanced Underwriting - Due Diligence - FHA / VA Underwriting

- FHA Direct Endorsement Underwriting - FHA - TRID New Rules

- Jumbo Loans Underwriting - Conventional and Non-Conventional Association of Chartered Certified Accountants (ACCA)

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