Customer Service Professional

Georgetta Lee Pless, MBA, MM

Maricopa, Arizona **138

Home/Cell: 623-***-****

Email: **************@*****.***

https://www.linkedin.com/in/plessgl

PROFESSIONAL SUMMARY

Financial Services Industry Professional with 18+years concentrated experience in both commercial lending/banking and mortgage/consumer lending; whom is driven, results-oriented and compassionate; having strong analytical and critical thinking skills, effective verbal and written communication, data analyses and attentive to detail efficiency, cooperative negotiating behavior, organic team collaboration and relationship management, and quality decision making ability; whilst remaining compliant, adhering to both ethical and regulatory guidelines and organizational standard operating policies and procedures

QUALIFICATION AND SKILLS

Underwriting/Risk Management: Analyzing the character, capacity, capital, collateral, and conditions of the loan transaction ensuring an acceptable level of default or layered risk, adequate liquidity, sufficient solvency/leverage, efficiency, and profitability

Credit/Lending/Financial Management: Effectively analyzing, monitoring, and managing the institutions loan portfolios, minimizing credit risk, and improving capital adequacy for continuous safety and soundness and loan salability to investors

Processing/Operations: Supporting the entire process by obtaining documentation and organizing the loan package to assist in the pre-approval and loan entry to closing/funding of the loan transaction

PROFESSIONAL EXPERIENCE

Bank of America/Merrill Lynch, Phoenix, AZ (2018 – present)

Assistant Vice President, Commercial Credit Analyst I/II

Earned Level 14 Single Signature Approval authority, specific to monitoring actions for FRR 1-6 credits

Aligned to BB/MM, including TRE 3MM and 5MM for Revenues $5MM-$50MM (BB) and $50MM-$2Bn (GCB/MM)

Effectively analyzes, monitors, and manages Bank of America’s loan portfolios, minimizing credit risk and improving capital adequacy for continuous safety and soundness and loan salability to division partners and investors

Timely recognition of risk through ongoing monitoring tasks, including financial spreading, risk rating scorecards, and covenant testing by analyzing the clients cash flow, focusing on the client’s capacity to repay its debt obligations

AmeriFirst Financial Inc., (2017 - 2018); Caliber Home Loans (2016 – 2017)

Quality Assurance Underwriter

Perform thorough second level review of loan files to ensure data integrity based on automated underwriting systems (AUS) and Mortgage References Underwriting guidelines (MRI); ensuring accuracy and completeness of loan information, determining documentation requirements meet specific investor guidelines based on loan type/program (Conventional, FHA, VA, USDA; Purchase or Refinance; for Primary Residence, Investment or Second Home; 1-4 Unit, Multifamily, MFH, Condo, New Construction)

Analyze AUS findings, loan program parameters, application, disclosures, occupancy, employment, income/assets, credit reports, and other credit documentation, appraisal, title, purchase contract, flood and other verifications, expense, or financial documentation; evaluating and examining each transaction to ensure all requirements, messages, or findings, are satisfied, and documented to maintain salability to investors

Academy Mortgage Corporation, (2015 – 2016)

Processor III/Jr. Underwriter

Perform complete thorough review of loan files for accuracy and completeness and determine the documentation required to meet specific investor guidelines based on the loan type/program (Conventional, FHA, VA, USDA, Purchase or Refinance)

Analyze employment, income/assets, credit reports and other credit documents, expense, or financial documentation to evaluate and examine each transaction to ensure salability to investors.

Review disclosures, applications and addendums, purchase contracts and surveys, new build documentation, 4506T transcripts/audits, Fraudguard (MERS), homeowners insurance policies (H01/H06/Master Policy/Replacement Cost), flood certifications (participating, and Not A or V zones), mortgage/rental payment history, appraisal review for sufficient loan to value/combined loan to value, order mortgage insurance (BPMI/LPMI), clear title commitments,

Pless, Georgetta Lee page 2

escrow, tax certification, SSA-89/social security verifications, verifications of employment, deposits, and rents; and

review the HUD/Combined Settlement Statement/Closing Disclosure according to TRID for final approval by underwriting to ensure clear to close for closing/funding

Wells Fargo Bank, N.A., Wells Fargo Home Mortgage/Consumer Lending Group, (2012 – 2015)

Consumer Loan Underwriter III

Passed income/asset and loan conditions/stipulations test cases, obtaining my 4C underwriting, up to $1MM, decision level of authority; allowing for approving, denying, suspending, repricing, and counteroffering the original terms to reduce layered credit risk and provide benefits to the borrower(s).

Responsible for reviewing, analyzing, approving, and underwriting large, unusual or complex individual consumer requests (i.e., Purchases and Refinances) and products (Conforming Conventional and HARP) within company and industry guidelines.

Assessed the probability of default based on credit, collateral and capacity analysis as defined by automated decision risk management platforms, like DU/LP, and independent review and cash flow/financial analysis of applicable ratios (Front end/Back End DTI) and financial statements, including tax returns (1040 Schedule A through F), 1120S and K-1s, 1120, and 1065, profit and loss statements, paystubs, W2s, commission, bonus, overtime, 1099s/passive income and rental/lease agreements.

Performed complete thorough review of credit reports and other credit documents, expense, financial, income/asset documentation to evaluate and examine each transaction while ensuring accuracy and completeness of loan documentation.

Sunrise Bank of Arizona, Phoenix, AZ (2008 –2012)

Underwriter/Commercial Credit Analyst III/Account Analyst I

Spread financial statements in Bukers and Moodys to assess the risk of commercial secured/unsecured credit facilities

Supported loan officers/banks in the preparation of loan presentations/quarterly action plans, including pulling credit reports from Experian, completing cash flow analysis, annual credit file reviews and collateral valuations to measure sufficient debt service coverage and loan to value/combined loan to value.

Managed a $5MM Home Equity portfolio, identified by FDIC as special mentioned, ensuring sufficient cash flow and debt service coverage monthly

Stearns Bank, N.A. (SBAZ), Scottsdale, AZ (2006 – 2008)

Underwriter/Commercial Credit Analyst III/Loan Documentation Specialist

Spreading financial statements in Bukers and Moodys to assess the risk of commercial secured/unsecured credit facilities

Processed loan application and loan closing packages for commercial real estate transactions, including ordering, following up, researching, and reviewing all appropriate titles, lien positions, flood determinations, UCC filings, good standing verifications and other stipulations as required by the type of credit facility/transaction

Wells Fargo Bank, N.A. SBA Lending, Phoenix, AZ (2003 - 2005)

SBA Loan Documentation Consultant I

Managed pipelines of 5-15+ credit facilities from $10M-$3MM+ for SBA Lending

Processed loan application and closing package on SBA 7(a), 504, Low Doc, CLP, Express and GP loans on real estate transactions, refinances, start up, working capital construction (ground up and tenant improvements)

Closed 18 Units for the last quarter for over $6.5MM in the first 8 months of position

EDUCATIONAL BACKGROUND

Certificate of Financial Management in Organizations (FMO), 2014, Univ. of MD Univ. College, MD; 3.00 GPA

Master of Management (MM), 2008, University of Phoenix Online, AZ; 3.64 GPA

Master of Business Administration in Technology Management (MBA TM), 2004, Univ. of Phoenix Online, AZ; 3.63 GPA

Bachelor of Business Administration in Finance (BBA), 1996, Grand Canyon University, AZ; 3.189 GPA

PROFESSIONAL AFFILIATIONS

Member of Bank of America Employee Networks (LEAD, BPG, PCN, WLC, IGEN, HOLA, MSAG, NAPN, ALN, DAN, MLN)

Attended 2023 Black Enterprise Women of Power Summit in Las Vegas, NV

Attended 2023 Bank of America Phoenix Market Multicultural Women Ready to Lead Symposium in Phoenix, AZ

Participated in 2022 BPG and BELC Power of 10 Program

Participated as Future Business Leader of America (FBLA), Grand Canyon University

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