Financial Information

Grace mumbi maina

**** ******** ****** ****, # *** 469-***-****

Farmers Branch, TX 75244. *********@*****.***

Profile Summary

US Citizen

Over five years’ experience of accomplishments within financial institutions.

Ability to capture appropriate business objectives and requirements, and incorporating them into proposed solutions.

Strong analytical skills

Ability to assess and recommend process improvements in financial services industry.

Excellent verbal and written communication skills; effective in fast paced environment.

Systematic approach challenges and ability to work dependently, as well as in leading teams.

Ability to handle multiple tasks simultaneously in deadline-oriented environments

Ability to adapt quickly to new technologies and new work environments.

Education

Dallas Baptist university Dallas, TX

Master of Business Administration (M.B.A, Finance) Dec, 2007

Dallas Baptist university Dallas, TX

Business Administration, B.sc May, 2006

career achievements

Jambo pay, Kenya Nairobi, Kenya

FINANCIAL ANALYST May 2014 – oct 2015

Developed and maintained detailed financial forecasts incorporating historical trend and current business information.

Monitored functional and departmental spending versus budget by highlighting material variances using system generated detail and trend reports.

Ensured proper reporting on projects following guidelines to endure there was an insight into sales, profits and booking forecasts for internal and external clients.

Prepared and distributed financial reports and packages by gathering and analyzing information related to current performance.

Performed financial analysis, as directed by management, and recommended alternative courses of action by utilizing appropriate financial tools.

Supported business team with pricing strategy, bid analysis and accounts receivable focus.

Provided financial support for justifying internal and external projects as well as new business development assessments.

Developed numerous ad hoc analyses by providing insight into revenue performance and trends.

Princeton Information Systems Dallas, TX, USA

Jr. Underwriter @ Fannie Mae. Oct 2010 – Apr 2014

Performed in depth analysis & review of closed conventional loans selected by the National Underwriting Center (NUC) to determine whether loans are in compliance with FNMA guidelines.

Performed financial performance review: RPPR (Random Post Purchase Reviews), PPR (Post Purchase Reviews), EPD (Early Payment Default), PFR (Post Foreclosure Review) and MBS (Mortgage Backed Securities).

Captured, calculated and performed analysis on borrower metric: Loan applications, incomes, debt ratios; assets verification, income documentation, credit reports analysis, appraisals, and settlement statements.

Ordered property valuation models, ran predatory reviews, ran pacer to ensure all source of information are exhausted to prevent losses due to fraudulent activity.

Processed personal queue of loans; utilizing automated, as well as manual, underwriting fundamentals to perform required duties while striving to meet and or exceed the daily production goal.

Wrote up findings on each file and accurately documented steps used to determine the findings.

Worked with senior underwriters to compile necessary information to support content for repurchase letters.

Worked with senior underwriters to prepare and effect communications on loans that did not meet compliance standards

Aerotek Staffing Dallas, TX, USA

Contract Pricing Analyst @ JP Morgan Chase May 2010 – SEP 2010

Maintained pricing data on various pricing systems on various securities: bonds, options, futures, equities etc.

Analyzed and explained the effects that various data elements, especially prices changes, had on the market value of a given account, and performed sensitivity analysis to help responses to such changes.

Communicated with vendors as well as customers within the company on prices and resources concerning pricing issues.

Researched securities with hard to ‘find prices’ (undervalued securities) and escalate issues to management when appropriate.

Performed daily review of pricing exception reporting on missing and stale securities prices and price variances resulting in significant market value changes.

Liaised with systems development, and with clients to ensure accurate and automated processes

Facilitated systemic new product development.

Wrote up findings on account files; accurately documenting steps used to determine the findings.

NationStar Mortgage (Feb 2008-March 2010) LEWISVILLE, TX

Set up Loan Processor Mar 2009– MAR 2010

Set up a loan files whenever a Loan Officer took an application.

Ordered and managed mortgage appraisals, mortgage titles, FHA case numbers and IRS income transcripts.

Processed payment for the appraisal and title orders.

Verified Employment and Home Owners Insurance to ensure accuracy and consistency in the borrowers’ application.

Worked with all vested departments and vendors to ensure the timely delivery of required documents.

Cleared underwriting stipulations.

Performed due-diligence on loans to ensure all federal guidelines were adhered to.

Recorded data on status of loans.

Loan Officer - Inventory & Joint Marketing Agreements Feb 2008– MAR 2009

Worked on a special team to rewrite loans for a select group of customers on NationStar’s warehouse Line.

Found a way to originate their existing loans through a variety of means including debt forgiveness and principal balance reduction.

In some case, involvement of other third parties like 2nd Mortgage companies required getting into negotiation with these third parties for a lower payoff or subordination agreements.

Worked with servicers who no longer originated their own loans by establishing rapport with those servicers’ clients and by offering loan options like principal reduction, and special rates that encouraged commitment to have them sold.

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