Objective:

Dedicated and experienced Analyst with 15 years of strong background in mortgage banking. Seeking a challenging position in a dynamic financial institution. Proven expertise in mortgage risk assessment, data analysis, research analysis, testing controls and regulatory compliance. Committed to ensuring sound risk management practices that contribute to the success and stability of the organization.

Proficient in analyzing mortgage loan portfolios, assessing credit risk, and implementing risk mitigation strategies. In-depth knowledge of mortgage-backed securities (MBS), underwriting standards, and compliance regulations. Skilled in using data analytics and financial modeling to optimize risk management practices. Excellent problem-solving and communication skills, with a strong attention to detail.

Systems: Lender Live, MSP, Nice System, VLS, LPSD, Encompass Iassist, EDMS, Lakewood, H20, ServiceNow.

Experience:

Caliber Home Loans, Irving Tx November 2020- October 2023

Sr Risk Analyst

Evaluate credit risk associated with mortgage loans, mortgage-backed securities, and related financial instruments.

Conduct detailed analysis of loan origination and underwriting processes to identify potential risks and recommend improvements.

Develop and maintain risk models to assess the creditworthiness of borrowers and the performance of mortgage portfolios.

Collaborate with underwriters, loan officers, and other departments to ensure compliance with regulatory requirements.

Assess the creditworthiness of applicants

Produce comprehensive reports and presentations to senior management and stakeholders on risk assessments and mitigation strategies.

Participate in stress testing and scenario analysis to assess the impact of adverse economic conditions on the mortgage portfolio.

Source Point Mortgage, Remote March 2016-November 2020

Mortgage Underwriter

Evaluated loan applications to determine the creditworthiness of borrowers and adherence to underwriting guidelines.

Conducted risk assessments of mortgage applications, including analyzing credit reports, financial statements, and property appraisals.

Collaborated with loan originators and processors to obtain necessary documentation and resolve discrepancies.

Consistently met or exceeded underwriting targets for turnaround time and loan quality.

Assisted in training and mentoring junior underwriters to enhance their underwriting skills.

JP Morgan Chase, Lewisville Tx June 2011-March 2016

Default Risk Analyst

Conducted independent assessments of high-risk processes while ensuring all regulatory standards are met and quality and timeliness are consistent.

Implemented a strategy that serves as a guideline for the Control Testing team; conducted assessments of the effectiveness of the controls within the Collections Internal Controls department by means of SharePoint and advanced Excel usage.

Tested Risk Control Self-Assessment (RCSA) and User Acceptance Testing (UAT); partnered with internal groups to ensure test questions, scripts are current and provided process mapping via Microsoft Visio when requested.

Communicated with the Line of Business monthly to determine priority around testing and to ensure critical items are being captured according to identified risk.

Delivered control results to the lines of business, providing independent assessment recommendations to ensure all risk is mitigated.

Education:

BA: Business Management, Finance Minor

DeVry University, 2016

MBA: Business Management, Project Management Minor

Capella University, 2023-2024

Skills

Mortgage risk assessment

Data analysis

Regulatory compliance

Credit risk evaluation

Testing and scenario analysis

Problem-solving and critical thinking

Communication and presentation skills

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