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Financial Analyst Microsoft Office

Plano, Texas, United States
October 18, 2018

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Plano, TX • 469-***-**** •


Highly dependable, skilled, focused and result driven professional with intense analytical skills in the banking industry. Proven ability to manage production, quality and enhance credit decision by analyzing large volume of data into interpretable versions for respective lines of business decision making. Extremely detailed oriented and innovative in regards to daily business processes. Generate and drives practical solutions by conveying information in a compelling and inspiring manner for the best possible results. Consistently recognized as a top producer and branded as a subject matter expert with peers and colleagues across teams and department. Hold self and other accountable to do the right thing; guide, motivates and inspire others to think differently and deliver sustainable results.


Microsoft Office, PeopleSoft, Insight, Essbase, JD Edwards, Oracle, SAP, QuickBooks, Quicken, AS400, SQL Query, FAS, System 36, Realworld, Paradox, Edge, Clues, DU, LP, Tableau, Hyperion


Capital One, Plano, TX 2012-Present

Senior Underwriter

Manage high balance pipeline loan applications by reviewing for credit, capacity, and collateral to provide sound credit decision. Consistently maintain a high production volume with exceptional quality and quick turnaround.

Coach peers and other production associates with reviewing and analyzing complex business returns, paystubs, Appraisal, Power of Attorney, Trust Agreement and other supporting documents to minimize risks. Work with management to revamp procedures and provide guidance with process change and methodologies for efficiencies.

Handle every file with prudence, discretion, intelligent and incorporating years of finance and underwriting craftsmanship to provide creditworthiness based on Company policies and procedures.

Support an efficient contribution to line of businesses by using sound underwriting judgment and technical skills within $1.5MM mortgage and $300K home equity delegated lending authority level.

JP Morgan Chase, Fort Worth, TX 2011-2012

Senior Underwriter

Analyzed conventional and government loan files for prudent underwriting. Examined and evaluated file transitions to ascertain accuracy, fraud detection techniques, and report preparation.

Underwrote FNMA loans using FNMA guidelines to complete Agent Desktop and HSSN to obtain and evaluate underwriting decision.

Reviewed Underwriters for deficiencies of guideline compliance; returned file to UWs if error is significant, otherwise correct and move the file forward.

Assisted with analysis, research and development of recommendations to close identified internal QC/QA control gaps. Attended weekly meeting/training to address common errors, updated company policies/procedures, Fannie Mae, Freddie Mac, FHA, USDA and Private Investors’ guidelines.

Bank of America, Westlake Village, CA, 2007-2009

AVP Financial Analyst

Coordinated and collected input data from Financial Analysts, checked for data integrity and summarized financial numbers. Ran models to help articulate analyzed results and assisted in presenting business outcomes to leadership team.

Recorded, classified, and summarized financial transactions and events in accordance with generally accepted accounting principles; monthly, quarterly and annually to accurately capture financial position and communicated those results to line of businesses and management.

Reviewed internal monthly, quarterly and annual reporting packages; analyzed and interpreted financial operating results, and suggested solutions to business units in regards to large variances and their pertinent drivers.

Partnered with Secondary Market Team to ensure financial information are appropriately classified; and delivered revenue, cost and expense variance narratives to cost centers management.

Managed and prioritized workload. Conveyed financial insight; analytical methodology and provided consistent decision making by applying a working knowledge of GAAP, regulatory laws and years of accounting and finance experience.

Presented management a weekly metrics with tracked accomplished tasks, these were used to substantiate production, coaching opportunities and annual reviews.

Kforce, Encino, CA 2002-2007

Consulting and Short-Term Management Support

Conducted complex financial analyses and developed reports to provide insight into business operations. Made complex adjusting postings, and prepared GAAP and managerial P&L.

Collaborated with system analysts to develop and build forecasting models. Researched financial and economic trends for business units. Assisted in the preparation and reviews of monthly, quarterly and annual budgets and forecasts. Provided narratives to substantiate SG&A allocation assumptions and methodologies.

Partnered with business units to understand business objectives, cost structure, and provided analytical support to identify favorable and unfavorable economic trends.

Created financial models using historical data and information gathering meetings with stakeholders to prepare departments’ quarterly and annual budget. Forecasted important business variables, generated monthly, quarterly and annual business reviews, analyzed both actual and forecasting results, and made business recommendations.

Developed practices and processes that provided transparency of costs and cost drivers to recipient businesses, and analyzed current financial results to identify and address evolving business issues and opportunities.



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