Donna M. Richards

** ********* ****

West Warwick, RI 02893

401-***-****

ad1qyy@r.postjobfree.com

SUMMARY

A goal oriented professional with extensive experience in the lending industry. Specific strengths in problem analysis/resolution, decision making and the implementation of strategic action plans.

SKILLS

Leadership/Management Problem Solving Strategic Planning Communication

Analytical Conceptualization Customer Service Organizational

PROFESSIONAL EXPERIENCE

Citizens Bank, NA, Warwick, RI 3/20 to 11/23

Office of the Chairman, Executive Mortgage Senior Advocate

Review, analyze and investigate mortgage complaints submitted by customers received from Regulatory Agencies, Government Agencies, and the Executive Leadership Group

Interact with internal and external customers to improve the overall customer experience and provide an effective and efficient resolution to complaint(s)

Utilize problem solving and analytical skills as well as using knowledge of bank products, services and risk management allowing for effective resolution(s)

Consistently provide formal written resolution correspondence prior to or to meet Regulatory Agency due date(s)

Maintain a queue of 25-40 cases, while managing a 2-day case review Service Level- Agreement (SLA)

Citizens Bank, NA, Warwick, RI 11/16 to 3/20

Consumer Unsecured Lending Underwriter

Underwrite unsecured loan applications using Citizens guidelines created for this specific product

Analyze and review income documentation and/or tax returns to qualify applicant(s)

Consistently maintain high Quality Assurance reviews

Provided suggestions to management which were implemented and aided in the approach to working loan(s)

Loan authority approval to $50,000, the maximum loan amount for this product

Citizens Bank, NA, Warwick, RI 8/15 to 11/16

Mortgage Processor II

Liaison between the Loan Officers and Underwriters

Processed mortgage loan applications for both purchases and refinances including FNMA, FHA, and VA

Analyzed and reviewed loan applications, income, appraisals, and titles

Performed weekly pipeline calls with Loan Officers to discuss the progress of loan files to move towards completion and closing(s)

Managed and maintained a pipeline averaging 40 loans consistently meeting contingency and closing date(s)

Bank of America, NA, Framingham, MA 7/13 to 8/15

Mortgage Loan Coordinator

Liaison between Mortgage Loan Officers, processing centers and borrowers

Assisted three high volume Mortgage Loan Officer’s with obtaining loan documents and meeting critical document deadline(s)

Worked with the processing centers in getting loans ready for underwriting review

Worked with reports to maintain proper processing on all loan files: meeting approval dates, contingency dates, and closing dates

Homestar Mortgage, Providence, RI 10/11 to 7/13

Loan Processor

Liaison between Loan Officers, Underwriters and Lenders

Processed Conventional, FHA and VA loans

Analyzed and reviewed loan applications, income, appraisals, and titles

Prepared loans for closing

Maintained a loan pipeline of 40-50 loans

Bank of America, NA, Lincoln, RI 6/09 to 9/11

Home Loan Specialist II

Responsible for processing/underwriting mixed pipeline of conforming and nonconforming loans

Analyzed and reviewed loan applications, income, appraisals, and titles

Accomplished extensive testing mandated by the corporate office to receive sign off authority

Worked directly with Loan Officer and Processing Assistant to manage a large volume pipeline

Home Loan Investment Bank, Warwick RI 3/09 to 6/09

Residential Mortgage Underwriter

Automated Underwriting utilizing Freddie Mac Guidelines

Prescreened applications and issued disclosures

Analyzed and reviewed income, appraisals, and titles

Calculated all loan figures for accuracy on the Good Faith Estimate as well as prepared the loan closing documents

Home Loan Investment Bank, Warwick RI 2008 to 2009

Senior Credit Analyst (Small Business Administration Loans)

Interbay Funding, LLC, Mansfield, MA 2007 to 2008

Commercial Loan Processor

National Equity Title Services, Inc., East Providence, RI 2006 to 2007

Client Services Coordinator

Wilmington Finance, North Kingstown, RI 2002 to 2006

Mortgage Underwriter

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