EDNA R. GARCIA ***** SW *** Court, Miami, FL *****

(786) 257 – 8788

ad1vkd@r.postjobfree.com

LinkedIn

Highly successful and experienced Enterprise Risk Management Analyst, Senior Quality Assurance and Quality Control, Residential Mortgage Underwriter, Credit Analyst, Financial Analyst, Trainer, and Control and Change Management Expert. Driving change success by supporting, preparing, and equipping individuals to thrive through change. Boost the efficacy of any working environment. Organizational leader with a passion for leading teams. Successful introducing organizational changes to improve bottom line profits by requiring careful planning, execution, and a strategic approach. QUALIFICATIONS SUMMARY

Leadership & Organization: 10+ years’ experience in delivering exceptional results in operational leadership positions. Accustomed to multiple assignments, fulfill priorities, and balance competing agendas. Decisive strategic thinker bringing creative and profitable approaches to problem- solving. Handle diverse business protocols and functions. Synergize business processes and policy development, leading to higher efficiency and profitability. Emphasize supporting business growth. Project Management & Execution: Able to initiate, prioritize, and complete multiple large-scale projects and follow through to achieve project goals. Possess a strategic approach: understand the inter-dependencies of delivering a project. Ensure that solutions meet business requirements. Manage deliverables and milestones. Balance solid data-based business analysis with flawless execution. Maintain an uncompromising focus on high-quality standards and profit improvements.

Enterprise Risk Management & Business Operations: Enterprise Risk Management providing structured and systematic approach to understanding and managing risks across all levels of an organization, with the primary goal of enhancing the ability to make informed decisions and navigating uncertainties effectively. By doing so, I contributed to the organization's resilience, stability, and ability to achieve its objectives in an ever-changing and uncertain business environment. Target opportunities for growth, identifying members of the company's target audience, and effectively finding and following up on opportunities. Provide a framework for developing coherent, forward-looking strategies and plans to positively transform the business’ operating models and workforce management processes. Leverage business knowledge and relationships to successfully negotiate complex partnerships.

Mortgage Professional (Underwriting): 10+ years’ experience in financial services, including mortgage banking industry: Fraud Investigations, Compliance, Quality Assurance/Quality Control, Servicing, Testing, Frontline Underwriting, Processing, Closing, and Sales in the Mortgage Industry, Customer Services, and Office Procedures from Business Administration to Basic Accounting. Ensure that the credit documents reviewed meet all applicable investor guidelines, through a complete knowledge of requirements and regulations. Held accountable for qualify and accuracy of decisions. Decision full range of mortgage loans, including USDA. Review all mortgage applications for accuracy and completeness. Work with clients to resolve any outstanding issues on mortgage loan applications. Work with compliance officers to ensure Federal, State, and local compliance of all mortgage and loan materials. Approve or deny mortgage applications in a timely basis with solid knowledge of mortgage underwriting and automated underwriting systems. Ensure the qualify and accuracy of each loan. Perform other related duties as required and assigned. Demonstrate behaviors which are aligned with the organization’s desired culture and values. Compliance, Quality Assurance & Control: Apply concepts of authorities, rules and criteria, risk, limited assurance and reasonable assurance engagements in both review and direct reporting engagements. Evaluate business’ organizational structure, culture, business processes, operations, and systems, including the business’ system of internal control and internal control activities. Corroborate multiple sources of evidence, identify conflicts, and determine evidence that is reliable, accurate, credible, usable, and complete for the audit. Possess excellent knowledge of regulatory, legal, and business requirements, compliance across financial disciplines. Prioritize development of policies and enforcement of procedures to mitigate risk and increase operation efficiency. PROFESSIONAL COMPETENCIES

• Organization & Prioritization

• Leadership & Supervision

• Performance Management

• Metrics Analysis

• Risk Management & Mitigation

• Requirements Analysis

• Managing Processes

• Quality Management

• Change Management

• Project & Program Management

• Portfolio Management

• Corporate Finance

• Compliance Analytics

• Vendor Examination

• Customer Service

• Contract Review

• Qualitative & Quantitative Research &

Investigator

• Process Optimization

• Profit & Loss (P&L) Management

• Relationship Building

• Delegation

• Delegation & Reporting

• Human Resources

• Team Management

• Onsite Coordination

• Coaching & Team Development

• Curriculum & Learning Materials

TECHNICAL PROFICIENCIES - LANGUAGES

• MS Word Suite (Word, Excel, PowerPoint, Outlook, OneNote, OneDrive, Microsoft Teams

• Mortgage Software (Encompass, Navigator, LP, DU, DO),

• Risk Management Information System (RMIS)

• Statistical Analysis System (SAS), Enterprise Miner

• Tableau, Python, R

• English – Proficient, Fluent

• Spanish – Proficient, Fluent

Edna R. Garcia – ad1vkd@r.postjobfree.com 2

EDUCATION

Hodges University

Master in Organizational Leadership (MSM)

April 2023 – Present – G.P.A. 3.900

Hodges University

Certificate in Diversity, Equity & Inclusion Leadership April 2023 – Present – G.P.A. 3.900

Hodges University

Master of Business Administration (MBA)

Conferred March 2023 - G.P.A. 3.900

Hodges University

Bachelor of Science in Interdisciplinary Studies with Minor in Psychology Conferred May 2021 - G.P.A. 3.750

Bryant & Stratton College

Associate in Occupational Studies, Word Processing Secretarial Conferred December 1995 – G.P.A. 3.850

HIGHLIGHTS

• Agile & Analytical Mindset

• Creativity & Adaptability

• Conflict Resolution

• Flexibility

• Time Management

• Creative Problem-solving

• Multitasking

• Cross-functional Collaboration

• Interpersonal Skills

WORK EXPERIENCE

Enterprise Risk Management Analyst – Graduate Internship, 05/24/2023 – 08/04/2023 – Freddie Mac As an intern I supported short-term projects that contribute to division priorities in the Change Management and Communications division. This included one or more of the following activities:

• Thoroughly assessing the organization’s current processes, systems, and performance.

• Identify areas that are causing inefficiencies, bottlenecks, and unnecessary expenses.

• Analyze financial reports, operational data, and customer feedback to pinpoint the root cause of profit challenges.

• Define specific and measurable objectives for the organizational changes that are plan to be implemented.

• Obtained support and commitment from top-level leadership by clearly presenting the reasons for changed, the expected benefits, and the risk involved.

• Create a detailed plan outlining the changes intended to be made by timelines, resources allocation, key milestones, and responsibilities.

• Transparent communication to ensure that all employees understand the reasons behind the changes and how they contribute to the organization’s success.

• Engage employees in the change process by involving them in decision-making, gathering their feedback, and providing training as needed.

• Implemented changes in phases as to avoid sudden overhaul, as this minimizes disruption and allows for continuous monitoring and adjustment based on real-time feedback.

• Establish key performance indicators (KPIs) to track the impact of the changes by regularly monitoring progress and measuring outcomes against the predefined objectives.

• Anticipate and address resistance to change among employees. Provide clear reasoning, continuous training, and support. Professional Development Participation in the program supporting continued professional development through access to targeted training courses and exposure to senior management. I gained knowledge of risk management concepts in the financial industry and an understanding of critical organizational business and risk management functions, all while enhancing my own competencies, by:

• Evaluate and monitor the portfolio against established criteria and make recommendations for maintaining current level of risk or mitigating and reducing risks

• Develop, use and/or analyze quantitative models that assess the market, credit and/or operational risks of new and existing financial and mortgage products or portfolios

• Monitor and analyze the organization's market risk exposure on a day-to-day and long-term basis for various financial products, monitoring trading limits and reviewing transactions over the established limits

• Develop, validate or evaluate model input, methodology, implementation and output of models or analytic applications

• Execute and document complex financial models

• Provide model use risk assessments based on findings

• Provide modeling and analytical assistance to a line of business or product area, functioning as day-to-day technical specialist

• Evaluate and manage risks associated with the company's models and/or model applications

• Building critical leadership, business and analytical skills

• Creating your personal brand and growing your internal network

• Obtaining support and guidance from dedicated program managers, experienced rotational analysts and knowledgeable mentors

• Participating in organized community service events to complement your professional development with personal growth

• Keys to Success in this Role:

• Execution focused, with proven initiative, personal accountability and leadership

• Ability to work with and collaborate within a team and across the broader organization

• Ability to work independently and adapt in a changing environment Edna R. Garcia – ad1vkd@r.postjobfree.com 3

• Curiosity to learn and challenge the status quo

• Interest or experience in financial markets, securitization, trading of financial products, or loan and security portfolio management

• Experience with economic and/or financial modeling, including advanced econometric/statistics estimation techniques

• Programming experience in Python, R, or other similar software applications

• Proficient in MS Office Suite, specifically Excel and PowerPoint

• Experience with Micro-strategy and/or Tableau

Residential Mortgage Underwriter (Conventional and USDA), 08/17/2020 – 10/08/2022 – Keller Mortgage

• Authorizing and underwriting conventional loans, both purchases and refinances

• Reviewing and verifying loan applications and supporting documentation

• Analyzing loan risk and requesting additional information, as necessary

• Making loan eligibility decisions and approving, suspending, or rejecting applications

• Reviewing and specifying loan conditions, as necessary

• Ensuring compliance with regulatory standards

• Ensuring compliance with company policies and guidelines

• Documenting and effectively communicating reasons for the approval/suspense/rejection of loans

• Returning applications with additional documentation to the loan officer for review

• Highly organized and able to prioritize

• Good communication skills, both verbal and written

• Detail-oriented with strong data analysis skills

• High Mathematical aptitude

• Good working knowledge or mortgage loan processing and relevant legal regulations Team Lead Mortgage Compliance Administrator, QA & QC Lead Specialist, 04/01/2016 – 08/17/2020 – City National Bank

• Headed the QA/QC operations of the organization, including vendor oversight, rebuttals, and management reporting

• Facilitated the Bank’s meeting of the goals and technical requirements of lending related laws and regulations, mitigating risks

• Maintained a high-level of proficiency on CFPB, Federal, State, Agency, and investor requirements and internal audit policies

• Addressed and resolved CFPB, Federal, State, and internal auditing issues and complaints

• Updated continuously knowledge on lending related laws, supporting working knowledge of compliance regulations, such as TRID, RESPA, QM, HOEPA, TILA, and other regulatory developments related to consumer protection laws

• Contributed to the development and implementation of organizational policies and procedures to comply with applicable laws

• Assisted management during the CRA and compliance examinations and ensured HMDA data scrub and reporting is accurate

• Verified the quarterly Loan Application Register, filing the annual HMDA report and updating HMDA public files

• Aided the employee training by providing professional knowledge on lending-related laws & regulations

• Consulted business units and personnel on compliance risks & controls in their on-going and proposed business activities

• Reported to the Chief Risk Officer and the Compliance Committee on lending activities, assisting with overall compliance functions

Total Experiences at JP Morgan Chase from 2009 to 2015 Mortgage Loan Office / Banker Assistant, Loan Officer, 01/2015 – 07/2015

• Generated Business Requirements Documents (BRDs), for various projects

• Performed multiple investigations, gathering evidence, documenting findings, and establishing regulatory requirements compliance

• Validated online functionality and supported operational business processes, providing an outstanding experience for our clients

• Collaborated closely with the Management team and Business Systems Lead, to identify areas for delivery opportunities and improvement

• Contributed to the cross-line of business and Corporate Technology deliverables, establishing support of Customer Experience Team Lead, Forensic Mortgage Banking Underwriter, 04/2011 – 01/2015

• Underwrote from 3 to 6 new FNMA, FHLMC and Portfolio loans as recent as 2015: Loan sizes from $40K up to 2M

• Reviewed and audited closed loans from 2007 to perform initial analysis of Demands for appropriate review and preparation of notice

• Ensured the data integrity of the Repurchase Application Workflow System during the review process

• Obtained backup documentation on internal imaging systems and contact attorney vendors

• Managed ~10 employees, performing year and year-end employee reviews

• Assisted commercial underwriting department by examining liability policies and discovering potential losses and gains Underwriter, Job Coach/Trainer, 04/2009 – 04/2011

• Taught mortgage programs and facilitate learning activities of the staff, presiding over curriculum and learning materials

• Acted as a personal coach to the employees, providing feedback and recommending best practices

• Established and atmosphere of partnership and reinforced desired behavior in the office

• Provided one-on-one support to boost both the departmental and individual performance, as well as to meet business goals

• Managed staff via various system and customer calls quality reviews, rolling out departmental policies and introducing new procedures

• Collaborated with Training to support the implementation of new training curriculum by providing feedback and pertinent information

• Served as a supervisor of 7 to 10 team members at any given time REFERENCES AVAILABLE UPON REQUEST

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