Resume of Michael Holen

Telephone 210-***-****

E-mail: ac8x2b@r.postjobfree.com

EDUCATION:

B.S. 1996, Management/Human Resources, Park University, Parkville, Missouri, 3.846 GPA

MILITARY EXPERIENCE:

Master Sergeant, US Air Force, Retired (1972 - 1994).

EMPLOYMENT EXPERIENCE:

USAA 9/2009 – 6/2018

Deposits Policy & Strategy Integration/ Credit Risk Analyst San Antonio, TX

Conducts surveys, interviews and reviews of procedures, policies, and programs to find methods to reduce losses, improve adherence to rules and regulations and better member experience.

Develops detailed analysis, utilizing sophisticated analytical and financial modeling and statistical techniques to predict, evaluate and manage the credit risk in the deposits portfolio.

Produces reports and charts using Excel, PowerPoint, and SAS Enterprise Guide software.

Gathers information, analyzes data trends, and contributes to the completion of the work product.

Measures, monitors, and analyzes historical trends and external factors affecting the credit risk exposure.

USAA 9/2009 – Present

Collections – Strategy & Test Design / Credit Risk Analyst San Antonio, TX

Conducts surveys, interviews and reviews of procedures, policies, and programs in the Collections Dept to find methods to improve recoupment of funds, personnel morale, adherence to rules and regulations.

Develops detailed analysis, utilizing sophisticated analytical and financial modeling and statistical techniques to predict, evaluate and manage the credit risk across various loan portfolios. Assesses lending product/portfolio performance specific to credit loss and financial elements.

Produce reports and charts using Excel, Adobe, Fidelity KO/ALS, and SAS Enterprise Guide software.

Gathers information, analyzes data trends, and contributes to the completion of the work product.

Participates in the development and implementation of team initiatives as a team resource.

Analyzes business trends for basic and complex products and provides results for root cause analyses

Measures, monitors, and analyzes historical trends and external factors impacting the credit risk exposure for loan products.

Strategic Staffing Services/USAA (contract completed) 1/2009 – 8/2009

Mortgage Loan Processor / Underwriter San Antonio, TX

Processed and underwrote VA and Conventional loans.

Competed application by gathering credit reports, tax reports, pay stubs, and bank/asset statements.

Analyzed income, assets, credit, real estate property appraisals, title, mortgage insurance, surveys, payoffs, verification of employment, verification of mortgage, verification of rent, and loan conditions for approval.

Familiar with loans in all states.

Knowledgeable with Unifi software.

Experienced with administrative loan documentation such as bank and investor lender documentation and state and federal real estate lending compliance forms such as RESPA, ECOA, Reg Z (TIL), Reg B (HOEPA), HMDA, CRA, and Fair Credit Act.

Catastrophe Response FEMA 9/2008 – 11/2008

Inspected residential housing as independent contractor under Federal Emergency Management Agency (FEMA) to verify damages and adjust claims for disaster relief.

Worked directly with those impacted by the disasters to verify their information, injuries and damages in order to expedite emergency assistance from FEMA.

Worked 7 days a week empathizing with distressed families

Texas Mortgage Capital (company closed) 4/2008 – 9/2008

Mortgage Loan Processor/ Loan Officer San Antonio, TX

Processed and closed VA, Conventional, and Construction loans.

Gathered 1003, credit reports, tax reports, pay stubs, and bank statement to start the process.

Analyzed income, assets, credit, real estate property appraisals, title, mortgage insurance, surveys, payoffs, verification of employment, verification of mortgage, verification of rent, and loan conditions for approval.

Knowledgeable with Calyx software.

Experienced with administrative loan documentation such as bank and investor lender documentation and state and federal real estate lending compliance forms such as RESPA, ECOA, Reg Z (TIL), Reg B (HOEPA), HMDA, CRA, and Fair Credit Act.

Loan Originator specializing in VA, Conventional, and Construction loans dealing with Brokers.

Facilitated loan process by finding clients and guiding them in applying for loans.

Customer Service (Call Center) Citibank (Contract) 2/2008 – 4/2008

San Antonio, TX

Took back-to-back calls from Citibank VIP Citi Gold cardholders

Educated cardholders on which investment plans they qualify for

Troubleshot issues on transfers or other inquires

Dealt with irate callers and handled escalated calls

Solicited IRAs, Retirement programs, CDs, VIP securities

Dell Computer Corporation 11/2007 – 1/2008

Electronics and Computer Sales (laid off) San Antonio, TX

Retail computer and electronics sales

Educate customers and configure customized computer systems

Aerotek/Washington Mutual Home Loans (laid off) 8/2007 – 11/2007

Mortgage Pre-Funder San Antonio, TX

Reviewed post closing mortgage documents for completeness and legal sufficiency prior to approving funding.

Made corrections when possible by coordinating with borrowers, escrow agents and bank officials to ensure loan funded on schedule.

Wachovia Mortgage Corporation (Pilot Program) 3/2007 – 8/2007

Loan Officer San Antonio, TX

Originated Conventional and refinance loans.

Conducted marketing calls to establish a referral base with real estate agents or customers.

Gather necessary document for processors.

Washington Mutual Home Loans (Pilot Program) 7/2006 – 3/2007

Loan Officer San Antonio, TX

Originated Conventional and refinance loans.

Conducted marketing calls to establish a referral base with real estate agents or customers.

Gather necessary document for processors.

First Covenant Lending (company closed) 7/2005 – 7/2006

Mortgage Loan Processor/ Loan Officer San Antonio, TX

Processed and closed VA, Conventional, and Construction loans.

Gathered 1003, credit reports, tax reports, pay stubs, and bank statement to start the process.

Analyzed income, assets, credit, real estate property appraisals, title, mortgage insurance, surveys, payoffs, verification of employment, verification of mortgage, verification of rent, and loan conditions for approval.

Familiar with loans in all states.

Knowledgeable with Calyx software.

Experienced with administrative loan documentation such as bank and investor lender documentation and state and federal real estate lending compliance forms such as RESPA, ECOA, Reg Z (TIL), Reg B (HOEPA), HMDA, CRA, and Fair Credit Act.

Loan Originator specializing in VA, Conventional, and Construction loans dealing with Brokers.

Facilitated loan process by finding clients and guiding them in applying for loans.

Quorum Financial Services, Inc. (company closed) 4/2000 – 7/2005

Mortgage Loan Processor/Loan Officer San Antonio, Texas

Qualified as a loan processor and closer.

Analyzed income, assets, credit, real estate property appraisals and loan conditions for approval.

Familiar with loans in all states.

Knowledgeable of Fannie Mae Desktop Underwriter.

Experienced with administrative loan documentation such as bank and investor lender documentation and state and federal real estate lending compliance forms such as RESPA, ECOA, Reg Z (TIL), Reg B (HOEPA), HMDA, CRA, and Fair Credit Act.

Loan Originator specializing in FHA, VA, conventional A, Alt-A and sub-prime home loans.

Facilitated loan process by finding clients and guiding them in applying for loans.

Knowledgeable of general banking products, services and regulations as well as title company procedures and insurance documentation.

SKILLS AND ABILITIES:

I am proficient in use of Microsoft Excel, PowerPoint, Visio and Word, and SAS Enterprise Guide. I am an experienced public speaker and possess excellent attention to detail, organizational and prioritizing skills.

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