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Microsoft Office Manager

Charlotte, North Carolina, 28202, United States
January 23, 2018

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Avery McNeil, MBA

Charlotte, NC *****

980-***-**** ●


Results-oriented, MBA-level risk analyst with significant experience assessing risk. 14 years of quality experience in underwriting, credit risk, risk analysis, fraud and audit. Strong understanding for the value of responsible, prudent risk assessments – through the use of sound techniques involving: due diligence, reasonableness test, and risk management/control and fraud identification. Down to earth professional that puts team and business success first and foremost.


Underwriting Analysis Leadership Business Process Improvement

Mortgage Regulatory Compliance Audit Project Management Experience

Microsoft Office & Project Credit Risk Analysis Complicated Tax Income Analysis

Fraud Analysis Mortgage/Fraud Investigation Quality Analysis


Sr. Mortgage Underwriter

Bank of America Charlotte, NC (Jan. 2012 – Present)

Successfully manages multi- million dollar conventional Conforming and Non-Conforming mortgage loan pipeline monthly.

Responsible for front line underwriting of mortgage loans, ensuring compliance with Fair Lending regulations as well

as bank and secondary market investors guidelines.

Evaluate Corporations, Partnerships, S-Corps and Sole Proprietors business tax returns, Profit and Loss Statements and Balance sheets to determine the business’ financial fitness.

Identify risks resulting from the clients underlying business practices, underwriting and/or fraud exposure.

Evaluate debt ratio, loan –to-value ratios, credit score, property valuation, red flags and risk level.

Demonstrated excellent follow-through with borrowers, loan processors, loan originators, vendors and management throughout all phases of the underwriting process.

Performed quality control reviews ensuring regulatory compliance standards in relation to RESPA, TILA, DODD-Frank Act, Fair Lending, FDPA and SCRA.

Ranked in top five Underwriters in East Coast region for production and quality.

Sr. Mortgage Underwriter

Wells Fargo Bank Charlotte, NC (Nov.2009 to Jan. 2012)

Credit signing authority up to $2 million, with second signature authority.

Senior mortgage underwriter responsible for manual underwriting of First Mortgage and Home Equity Lines of Credit products.

Processed and escalated credit exception request in accordance with the corporate credit policy.

Analyzed customers’ financial stability and capacity to satisfy mortgage loans and Home Equity Lines of Credit providing less risk to Bank.

Analyze the risk of extending credit to borrowers. Ensure compliance with Wells Fargo and secondary market investor standards.

Worked as SME (Subject matter expert), advised Process Design team on key responsibilities and processes.


Zenta Charlotte, NC (July 2008 to Oct. 2009)

Worked on various automated and manual underwriting platforms with multiple financial clients i.e. Citi, BOA, etc.

Ensured soundness of business value and compliance with Zenta’s credit guidelines.

Performed risk analysis and make appropriate credit decisions regarding deficiencies identified during loan review process.


Leveraged knowledge of loan products and guidelines to help restructure recommend decline loans for subsequent approval.

Maintained compliance with lending, underwriting and government requirements. Provide excellent attention to detail in underwriting mortgages.

HSS 2 LoanSolutions

Bank of America Charlotte NC (June 2006 to July 2008)

Reviewed Conventional, FHA, and VA loan files for accuracy and compliance to federal regulations and policy.

Verified application data is complete and meets credit policy guidelines. Review and evaluate Income, Assets, Credit, and Collateral documentation for accuracy and completeness.

Ensure the timely and accurate processing of all loans originated by loan officers. Recommend applicable loans for decline.

National Post Closing Team Lead / Manager

Bank of America Jacksonville, FL (Oct. 2001 to June 2006)

Managed mid-sized team to achieve higher standards.

Participated in project to outsource BOA’s National Post Closing duties to India, resulting in saving the Bank millions of dollars.

Improved staff development plan and operational strategy, by decreasing turnaround time and minimizing errors using six sigma methodologies.

Managed vendor relationships with Iron Mountain and DataSavers focused on building and strengthening customer relationships.

Yeomen 3rd Class

United States Navy Jacksonville, FL (Oct 93 to May 00)

Served 7 years of Honorable service in the United States Navy.

Served as Operations Analyst in Operations Department while attached to HELTRARON18.

Attached to Waterford ARD 5 assisting commanding officer and executive officer in all matters concerning administrative concerns regarding officer and enlisted administrative duties.

Completed weekly reporting regarding ships company performance.


Masters of Business Administration Degree, University of Phoenix Charlotte, NC 2008

oConcentration Technology Management

Bachelor’s Degree in Business Management, Troy State University Troy, AL 1999


Mortgage Underwriting Certification, Mortgage Bankers Association, Charlotte, NC 2008

Selected for Bank of America’s Financial Organization Stress Test Mentoring Program, June 2017.

SAFE Act – NMLS #595840.

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