Jana James

Carrollton, TX

ad2xjs@r.postjobfree.com

469-***-****

Work Experience

Financial Analyst I

Navy Federal Credit Union - Aston Carter Staffing - Remote July 2023 - December 2023

• In depth knowledge of Bank Secrecy Act and Anti Money Laundering (BSA/AML)

• Review Currency Transaction Reports (CTR) and Suspicious Activity Reports (SAR) to ensure member’s financial information and supporting documents are thoroughly analyzed to ensure government and company guidelines and policies are being performed and completed, properly and consistently.

• Use of Microsoft Office Suite as well as skip tracing applications such as LexisNexis; utilizing various banking applications/electronic journals; verifying business structures and trust accounts; verifying financial information according to government guidelines;

• Communicate with internal team members via company platform, telephone, and email to ensure accuracy of member information is updated and filed in a timely manner.

• Work with fellow remote team members to assist with and ensure policy and procedure related questions are promptly addressed for clarity.

• Work remotely while consistently meeting or exceeding goals Mortgage Underwriter

Loan Depot - Hybrid

April 2023 – July 2023

• Experience with underwriting to multiple lender guidelines and requirements with strong knowledge of ALL investor guidelines

• Critically examine credit, income, assets, and property documents

• Experience with self-employment income, jumbo loans, manual underwriting as well as final sign off before closing

• Adhering to all investor specific guidelines while discussing loss mitigation options in detail including formal forbearance plans, loan modifications, partial claims, short sales and deed in lieu to internal and external clients

• Work with fellow remote team members to assist with and ensure policy and procedure related questions are answered for clarity

• Assist training new hires with all aspects of the underwriting process

• Work in a hybrid environment

Mortgage Underwriter

Navy Federal Credit Union - Aston Carter Staffing - Remote March 2022 to March 2023

• Responsible for underwriting Real Estate loans ensuring to follow all requirements and guidelines with strong knowledge of ALL investor types

• Daily experience with multiple automated underwriting systems

• Responsible for critically examining credit, income, assets, and property documents to provide clear to close approval

• Communicate with internal team members via company platform, telephone, and email to ensure accuracy of client and information is updated and moved forward in a timely manner

• Work with fellow remote team members to assist with and ensure policy and procedure related questions are answered for clarity as well as to assist with quality and production improvements

• Assist training new hires with initial training underwriting process

• Work remotely while consistently meeting or exceeding goals

• Successful and efficient taking on projects within Closing and Post Settlement Mortgage Underwriter

Rocket Mortgage - Remote

October 2020 to October 2021

• Experience with underwriting to multiple lender guidelines and requirements with strong knowledge of ALL investor guidelines

• Experience with multiple automated underwriting systems

• Critically examine credit, income, assets, and property documents

• Experience with self-employment income, jumbo loans, manual underwriting as well as final sign off before closing

• Communicate with broker's via company platform, telephone and email to ensure accuracy of client and information in a timely manner

• Work with fellow remote team members to assist with and ensure policy and procedure related questions are answered for clarity

• Assist training new hires with initial underwriting process • Work remotely Mortgage Loss Mitigation Underwriter

U. S. Bank Home Mortgage - Irving, TX

August 2016 to November 2020

• Adhering to all investor specific guidelines while discussing loss mitigation options in detail including formal forbearance plans, loan modifications, partial claims, short sales and deed in lieu to internal and external clients

• Ensuring all required documents from the borrower are processed and evaluated per investor guidelines then reviewed for loss mitigation options including short sales as well as deed in lieu

• Experience with multiple automated underwriting systems

• Critically examine credit, review of asset and property documents, income calculation, detailed documentation, credit analysis

• High volume environment managing a diversified portfolio of all investors as well as HELOC and Asset loans.

• Senior Representative in charge of resolving loss mitigation escalated situations via email, telephone or mail if needed.

Single Point of Contact III/Trainer and Team Lead

Caliber Home Loans - Irving, TX

November 2014 to August 2016

• In depth knowledge of working with conventional, FHA, Freddie, Fannie, USDA and VA loans on a daily basis including qualifying loans for HAMP and non HAMP programs.

• Use of Microsoft Excel, LPS programs, Aspect dialer systems and other mortgage assistance applications to ensure customers financial information and documents are analyzed to determine qualification of workout options including modifications.

• In addition, I train, mentor, lead and coach new hires as well as current agents. I also work with different departments to resolve escalated issues. Tax Preparation

American Eagle Tax

November 2011 - May 2013

Integrity Tax

November 2017 - May 2018

Turbo Tax

December 2020 - April 2021

Turbo Tax

December 2021 - April 2022

Education

Diploma in Culinary Arts

Auguste Escoffier School of Culinary Arts-Boulder - Boulder, CO April 2021 to December 2022

Cosmetology/ Cosmetology Instructor in Health and Beauty Paul Mitchell The School-Dallas - Dallas, TX

October 2009 to June 2013

Undergraduate in Pharmacy

Florida A&M University - Tallahassee, FL

2002 to 2003

High school diploma

R. L. Turner High School - Carrollton, TX

1998 to 2002

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