Manager Microsoft Office
Resume:
Sabrina D Lockhart
Email: ********@*****.***
PROFESSIONAL EXPERIENCE:
Goodwin Homes, Alexandria, Virginia
Compliance Analyst, Contract Remote Employee (Oct - 2014 - Present)
• Apply knowledge of company policies and standard practices to resolve problems, analyze issues and escalate non-standard problems or issues to the appropriate levels of management.
• Uses judgment and creativity and sound technical knowledge to obtain and recommend solutions relating to company policies and standard practices
• Maintains rapport with regulatory personnel by arranging continuing contacts; resolving concerns.
• Prepares reports by collecting, analyzing, and summarizing information
• Assist manager with any special projects.
Wells Fargo Home Mortgage, Jacksonville, Florida
Senior Consumer Underwriter (April 2012 – Sept 2014)
• Responsible for reviewing and analyzing, underwriting, approving-declining individual and joint consumer credit requests for products within company and industry guidelines.
• Advanced experience in reviewing self-employment, corporate, partnerships tax returns, credit reports and applicable ratios (i.e. Debt ratios, loan-to-value)
• Review Appraisals
• Examine transactions to ensure accuracy and completeness
• Ensure that documents are consistent and uphold to company and industry guidelines implementing fraud detection techniques, performing compliance reviews
• Implemented of fraud detection and prevention techniques
• Perform more complex loan reviews and failed 4506T income audits that require increased authority level review
PNC BANK, Jacksonville, Florida
Loss Mitigation/Underwriter (Jan 2011 – April 2012)
• Review, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines
• Applied knowledge of standard underwriting procedures, creditor financial analysis techniques
• Reviewed credit reports and interpreting the data
• Evaluated and ensured overall loan transaction is accurate, complete and compliant
• Handled escalated, litigated, and active bankruptcy loans and processed retention workouts in accordance to guidelines set by the investor
EVERHOME MORTGAGE, Jacksonville, Florida
Loss Mitigation/Underwriter (Sept 2007 – Jan 2011)
• Discuss and propose various workout options with the clients
• Calculate income to debt ratios, LTV and MTV, Make an analytical assessment of each mortgagors financial standing
• Ensure that all Federal operating standards are met and upheld
• Experience in HAMP, GSE modification programs, Exam loan documentations for accuracy and completeness
• Handled escalated, litigated, and active bankruptcy loans and processed retention workouts in accordance to guidelines set by the investor, Process Loss Mitigation closing procedures CIT TECHNOLOGY, Jacksonville, Florida
Loan Counselor (June 2002 – Sept 2007)
• Review information obtained from loan officers for accuracy and completeness.
• Key area of focus is demonstrating knowledge in all aspects of leasing such as originations, credit, client servicing and portfolio managing.
• Successfully manage a multi-million dollar commercial lease portfolio.
• Adjust financial payments, taxes and billing cycle as necessary to meet customer requirements.
• Complete Daily Reconciliation on spreadsheet and additional responsibilities include resolving escalated customer issues, negotiate and process buyouts & terminations, process pickup request of equipment.
BOMBARDIER CAPITAL, MORTGAGE DIVISION, Jacksonville, Florida Insurance Support Manager/ Underwriter Supervisor (1996-2002)
• Leads, motivates, delegates, and empowers the staff to promote successful performance of tasks and responsibilities while encouraging new ideas
• Appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems. Sourcing and Procurement
• Manages and develops staff to achieve department objectives including determining staffing needs, setting goals, interviewing, coaching and evaluating the performance of all direct reports
• Works to ensure proper curriculum and training development for employees on departmental applications and procedures
• Provides reporting and analysis to identify and implement process improvements which seek to increase team efficiency and effectiveness
EDUCATION
University of Phoenix, Jacksonville, Florida
Bachelor of Science in Management
University of Phoenix, Jacksonville, Florida
Masters in Business Administration
Skills
Proficient in Microsoft Office, Excel, Power Point, Word MSP/LIS/ LPS/ CORE/ DU/LP/ Watson/Watson Cash
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