Real Estate Loan

Sha'Ron Orozco, MBA

*** ***** ***** ***** 919-***-****

Garner, NC 27529 *************@*****.***

Summary

MBA that is professional and knowledgeable has experience working with software such as MS Office, Power Point, Excel, MS Word, MS Access, QuickBooks, and various operating systems such as Metavante Insight, IS View, LPS, PCR, LaserPro, AppCenter, Credit Quest, Moody’s, BOSS, FiServ, CASH Insight, Web Director, SharePoint and Encompass.

Experience

Government Insuring Specialist

Prosperity Home Mortgage, Raleigh, NC 01/2016-Present Perform accounts payable functions to post payments. Reconcile investor purchase invoices for the accounts assigned and verify delivery related fee or pricing differences. Audit and check loan files for accuracy, consistency and completeness. Insure government approved loans with FHA, VA and USDA. Analyze, and resolve investor issued conditions. Maintain ideal timelines for loan shipping and investor purchases through review of daily reporting and loan pipelines.

Represent and effectively communicate loan level issues via conference call with investors.

Create, maintain and distribute monthly investor specific reports and submit documents to the investors.

Escalate unresolved investor conditions to upper management and assist team members as directed.

Senior Credit Analyst

M&F Bank, Durham, NC 10/2014-12/2015

Team leader; I managed and assisted lenders with underwriting and credit approvals. Recommended and denied credit requests in accordance with banking practices in order to minimize risk exposure. I prepared and evaluated detailed financial analysis that included cash flow models and collateral evaluations for pre-approval.

Tested financial covenant compliance of existing loans and prepared covenant compliance review reports and findings. Identified positive and negative trends between financial reporting periods.

Prepared internal appraisal reviews and evaluation for consumer and commercial real estate properties.

Monitored loan officers’ portfolios.

Sha'Ron Orozco, MBA

Loan Triage and Documentation Specialist

First National Bank formally Yadkin Bank, Cary, NC 4/2013-10/2014

Performed the initial and final review and credit analyses of loans that were submitted for approval that were due for annual reviews or maturing. Reviewed and addressed customer requests. Prepared, processed and closed consumer loans and commercial loans. I cleared exceptions that pertain to prepared closing documents.

Verified the collateral value and lien position of the real estate, equipment and vehicles offered by the customer as security for their loans.

Monitored loan officers’ portfolios.

Distributed loan requests to loan processors for closing and post-closing. Credit Support Analyst

First Citizens Bank, Raleigh NC 6/2012-3/2013

Received and evaluated financial information and input the information into the spreading software. Confirmed and reported financial statement discrepancies.

Evaluated complex financial statements and performed financial spreads in order to analyze them for pre-credit approval.

Provided guidance and understanding of the Bank’s spreading policy for financial statements and tax returns.

Reviewed and assessed the income and operating expenses on balance sheets and income statements.

Client Relationship Assistant

Crescent State Bank, Cary, NC 10/2010-6/2012

Performed the initial and final review and credit analyses of loans that were submitted for approval that were due for annual reviews or maturing. Reviewed and addressed customer requests. Prepared, processed and closed consumer loans and commercial loans. I cleared exceptions that pertain to prepared closing documents.

Verified the collateral value and lien position of the real estate, equipment and vehicles offered by the customer as security for their loans.

Monitored loan officers’ portfolios.

Distributed loan requests to loan processors for closing and post-closing. Education

Master of Business Administration University of Phoenix, Phoenix, AZ 07/2005

Bachelor of Science- Accounting Livingstone College, Salisbury, NC 05/1994 Skills

Finance, banking, mortgage, and real estate experience

Accounting and tax preparation experience

North Carolina Notary Public

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