Earl W. Bradford Jr.

HIGH-CALIBER FINANCIAL SERVICES & MANAGEMENT SPECIALIST

**** ****** **** **., ********, GA 30058 ac8j23@r.postjobfree.com

770-***-****

Dependable Organized Results-Driven Detail-Focused Self-Motivated

Accomplished MBA-Level Professional with 20+ Years’ Diverse Financial Industry Expertise

Dynamic Leader with proven track record of strength & success in providing accurate financial analysis

for best productive, profitable & cost-effective solutions that drive successful business operations;

Primed to deliver strong leadership, strategic management & collaborative cross-functional support

across all organizational levels; Committed to operational excellence to meet client needs;

Eager to excel through superior performance within a challenging, growth-oriented role.

Profile of Qualifications

Financial Services Management

Transaction Processing

Reporting & Data Analysis

Document Review & Administration

Process Improvement

Standards & Compliance

Issue Research & Resolution

Personnel Management

Training & Development

Skilled Relationship-Builder

Excellent Time Management

Enthusiastic Communicator

Solid Interpersonal Skills

Decision Decision-Maker

Exceptional Problem Solver

Proficient in: Microsoft Office; MSP, Unifi Servicing Systems

Career Highlights

Solid analytical aptitude to identify, assess, and investigate issues & take swift action for resolution

Skilled ability to cultivate & maintain solid professional relations by providing clear & concise communications

Successfully promoted company’s niche products/features by expertly leading & actively participating in various mortgage broker trade shows & seminars

Instrumental in helping achieve record volume of $3+B in loan sales for Liberty Mortgage Corporation

Awarded ‘Employee of the Month’ by management numerous times for consistent outstanding performance

Improved processing efficiencies by strategically focusing on enhanced training, accountability, and effective communication strategies for client services

Career Track

Branch Banking & Trust (BB & T) – Norcross, GA 1999 - Present

Correspondent Lending Funding Manager (05/2013 – 01/2019)

Effectively and efficiently managed file distribution for funding as well as accurate & timely execution of reviews, loan data capture, and on-boarding activities

Responsibly led high-performance team by balancing workloads and monitoring staffing levels to achieve goals in optimized productivity and best-in-class service quality; Conducted comprehensive performance reviews

Demonstrated critical thinking & problem-solving skills on all funding-related issues by maintaining collaborative working relations with correspondents and department leaders

Performed random file audits to ensure obtainment of required items prior to funding, as well as wire transfer audits to ensure the compliance adherence of all wiring activities

Earl Bradford Jr. Career Track (continued)

Evaluated processes & collaborated with team members to identify opportunities for improvement

Researched and analyzed all critical fraud guard issues on affected files

Proactively assisted with issues related to Freddie Mac selling system by conferring with internal resources

Served as ‘Subject Matter Expert’ for imaging system, business rules & workflow configuration

Performed general ledger credit/debit transactions to balance various accounts for funding department

Analyzed accounts and investigated transactional discrepancies; Reviewed daily reports to correct errors & urgently processed wire refunds as needed; Created GL credit/debit tickets to correct out-of-balance accounts

Researched purchase advice funding sheets to locate & correct errors; Ensured accurate transfers of loans

Operations Specialist II (08/2010 – 05/2013)

Efficiently processed file documentation into Unifi system such as data related to: borrower, assets/liabilities, employment, property, appraisals, escrow, closing fees); Reviewed files for accuracy & ensured QM/Compliance

Validated annual percentage rates against Sentinel reports

Communicated with correspondent before funding regarding escrow items needing payment

Determined loan ability for amortization; Calculated payment, due date, principal balance & escrow balance;

Posted escrows to servicing system; Provided back-up support for fast, accurate data entry

Check Debarment Lists (Freddie Mac, HUD Limited Denials of Participation, suspicious activity report)

Initiated & ensured accurately calculated fees to prepare correct funds calculated for wire process transactions

Underwriter Assistant / Sales Support Specialist (03/1999 – 08/2010)

Conducted thorough reviews of files to ensure accuracy & completion of all required documentation for mortgage loan division; Processed wire transfers for funds submission to various banks/lending institutions

Performed financial analysis on daily/weekly/monthly transactions for data variance

Provided management with critical analysis reporting based on full understanding of mortgage products

Consistently managed monthly pipeline of qualified loans & fully assisted in securing loan closure

Collaboratively worked with mortgage brokers to accurately identify and promptly resolve loan issues

Accurately reconciled financial statements into computerized database systems in Unifi system

Implemented incoming loans; Ordered flood certification & case numbers for Federal Housing Authority (FHA) and for Veterans Administration (VA) loans via the Internet

Prepared closing documents related to fees, title search charges, escrows, appraisal issues, etc.

Additional Background

Sr. Account Representative

Security Pacific Finance Corporation - Stone Mountain, GA

Education

Master of Business Administration (M.B.A.), Financial Analysis

Keller Graduate School of Management, Decatur, GA

Bachelor of Arts (B.A.), Government & International Studies / Economics

University of South Carolina, Columbia, SC

Community Involvement

Atlanta Union Mission

AAU Basketball Coach

CFO: 501C-3 Organization

Contact this candidate