Quality Assurance Real Estate

DENNIS THOMAS

***-** *** **, *******, N .Y. ***** C: 302-***-**** ************@*****.***

Summary

Inquisitive operational risk specialist talented at applying new market research in unforeseeable ways. Yields top results

by challenging analysts to surpass company goals.

Highlights

Accurate forecasting Quality assurance

Strategic and financial planning expert Business analyst

Superior research skills Complex problem solving

Variance analysis

Accomplishments

Increased efficiency of discrepancy investigations by 60% by designing a more accurate cash-forecasting system.

Strategically aligning organization projects for transparency and accountability according to regulatory requirements

such as the Dodd frank act, Patriot act, and Safe act

Experience

Underwriting Researcher 10/2012 to 03/2013

Goldstar Financial Dallas, TX

Coordinated with underwriters, lenders, loan managers and scrutinize teams to manage portfolios. Conducted periodic

risk analysis and evaluation for Provision for Loan Loss (PLL).Developed financial analysis reports and presentations by

applying acquired financial principles. Identified operational processes inefficiencies and recommended necessary

improvements. Researched banking guidelines and statutory requirements to stay updated on new laws and applications

such as AML and KYC

Quality Assurance Auditor (Contract) 03/2012 to 08/2012

Bank of America Dallas, TX

Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans. Provided

financial analysis reports of commercial real estate, borrower's financial statements, lease reviews and market research.

Mortgage Underwriter Front-Line 07/2004 to 06/2011

Wilmington Trust Company Wilmington, DE

Execute the loan origination process, including ordering credit reports, appraisals, preliminary title reports, UCC

searches, environmental reports, insurance information and flood certificates. Provided financial analysis reports of

commercial real estate, borrower's financial statements, lease reviews and market research. Educated customers on the

variety of loan products and available credit options. Analyzed applicants' financial status, credit and property evaluation to

determine feasibility of granting loans. Provided expert financial advice on mortgage, educational and personal loans.

Mortgage Underwriter 01/2003 to 01/2004

Pike Creek Mortgage Wilmington, DE

Assisted senior-level credit officers with complex loan applications. Performed daily maintenance of the loan applicant

database. Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting

loans. Determined rate locks, issuance of disclosures and overage and underage and fee waivers. Continued education

on current banking products and services through Republic Mortgage Insurance Company, United Guaranty and

Radian Mortgage Insurance Company.

Education

Hofstra University Uniondale, NY, USA

Coursework in Finance, Economics and Business Administration

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