Sean C. Jordan

ad3a0s@r.postjobfree.com

678-***-**** Texas

Senior Credit Risk Profile

Seasoned credit risk professional with an unyielding dedication to excellence and accuracy, with a proven track record of delivering powerful results.

Driven leader and analytical professional known for delivering expert risk analysis, credit risk reviews, compliance, underwriting, credit report assessment, and financial evaluation in large-scale environments, partnering across organizational levels to ensure optimal adherence to regulatory standards and internal policies. Proven capacity for shaping and communicating risk determinations, informing credit decisions with exceptional accuracy and attention to detail. DE (CHUMS) certified professional with a zero GSE-loan-buy-back track record across a nearly 15-year career.

Areas of Expertise

Due Diligence

Financial Analytics

Credit Risk Analysis

Second Level Review

Multifamily Review (MAP)

Quality Control/Loss Mitigation

New Construction & C-to-P

Small Business Reviews

AML/BSA/TILA

GSE Lending

Frontline Reviews

Risk, Tax, Asset, & Collateral Review

Career Experience

Shamrock Foods, Dallas, Tx and Denver, Co 2023 – Present

Operations Analyst

Responsible for compiling and maintaining records and quantity type, recouping products, and value of material equipment, merchandise, and supply stock as needed. Compare inventory to office records, computer sales vs sales records, production records and purchase invoices. Preparing reports such as inventory balance, price list and shortages.

Audit products for quality and safety prior to sending the product out to customers.

Audit incoming raw materials for suppliers’ specifications quality and food security.

Responsible for all compliance with all regulations. Food safety – plant in proper sanitary conditions, including allergen control, pest control and guidelines as followed.

Fill out necessary paperwork for product audits and HACCP documents.

CMG Financial, Dallas, TX 2020 – 2022

Sr. Risk Analyst / Underwriter

Partnered with clients to execute detailed, accurate credit risk analyses, leveraging varied datasets to determine risk and approvals. Engaged as key Analyst (Underwriter) to provide subject matter expertise for small business reviews, serving as a key resource for all underwriting and credit activities. Ensured strict adherence to regulatory and company policy, collaborating with processors and management to manage underwriting and processing operations.

Expertly utilized industry standard automated underwriting systems (AUS) including the Fannie Mae Desktop Underwriter tool and BYTE tools.

Executed income calculations with stellar accuracy from a wide range of data, including pay stubs and corporate or personal tax returns.

Managed the full range of credit risk analysis as well as assets and income review.

Quicken Loans, Phoenix, AZ 2018 – 2020

Sr. Underwriter

Conducted end-to-end underwriting operations for the award winning, 50-state mortgage lender, partnering with staff and leadership to provide crucial expertise and guidance on the full range of processes. Expertly managed complex customer requests and questions, leveraging strong insights into operational processes to deliver clear and accurate responses. Analyzed transactions for completeness, ensuring alignment with corporate and regulatory standards.

Performed reviews of financial statements, credit reports, debt ratios, loan-to-value, and other key datasets.

Embedded new fraud detection, title review, and compliance review processes, maximizing performance through rapid identification of key issues.

Collaborated with team to aid in loan renegotiations, C-to-P process, and other evaluations.

Review loan files for completeness and accuracy to formulate a complete assessment while adhering to all GSE guidelines at the time of delivery.

Loan Care, Chandler, AZ 2017 – 2018

Sr. Risk Analyst III

Generated detailed risk assessments of prospective clients, conducting exhaustive credit reports, bank statement, multifamily reviews and income analysis to inform determinations. Loss Mitigations review. Managed FHA audit and other requests, ensuring timely completion of processes in line with regulatory standards and company policy.

Monitored all post loans for reviews for corrective measures to insure their completeness in credit risk review stage.

Forming intelligent decisions to identify certain deficiencies through a detailed TRID review.

US Bank, Scottsdale, AZ 2016 – 2017

Sr. Corporate Underwriter III

Leveraged more than seven years of experience in front-line underwriting to lead and direct corporate underwriting processes within US Bank parameters. Small business review for client base. Conducted credit report analyses, appraisal evaluations and evaluation reviews, title and lien reviews, and multifamily lending initiatives, engaging with a wide range of high-income and complex self-employed income clients and asset borrowers to deliver determinations in line with policy and risk appetite.

Consistently met SLA timeframes, delivering timely loan execution to increase client satisfaction and Bank reputation.

Partnered with high-value clients with multiple properties to execute rental income analyses, multifamily reviews and generating insights into risk and credit to inform decision-making.

Prepared small business reviews for authorized lending limits.

Analyzed appraisals to uncover and remediate deficiencies, improving C-to-P and new-build loan processing.

Genpact Financial Services (USAA), Dallas, TX 2014 – 2016

Sr. Credit Analyst

Delivered informed credit decisions across a wide range of credit products, including conventional (Fannie Mae and Freddie Mac), C-to-Ps, VA purchases, refinances, and post full doc loans. Maintained complete adherence to GSE guidelines. Analyzed income from a wide range of client situations, including self-employment, rental, salary, bonus/incentive, overtime, commission, SSI, pension, and IRA incomes to determine credit offerings.

Successfully completed up to 10 loan packages per day with all post reviews with a pipeline of up to 45 loans per month, maintaining stellar performance with an average 98%-100% accuracy rating.

Earned and maintained accolades as a top performer, continuously achieving ranking as the 3rd Top Post Due Diligence Underwrites across the organization.

Catapult Staffing Group (JP Morgan Chase, Bank of America & Wells Fargo) Dallas, TX 2011 – 2014

Sr. Credit Risk Analyst (Underwriter II)

Performed deep-dive credit risk analysis and underwriting preparation to support Bank-wide credit operations, delivering underwriting leadership as well as direction across income/asset verification and calculation processes. Reverse Mortgage Review. Leveraged extensive expertise in complex personal lending activities and business analytics, driving top-tier performance across all credit and risk operations.

Conducted credit report analyses for LTV and DTI, uncovered deficiencies, and evaluated different levels of credit determinations in line with risk profiles.

Help mitigate risk and summarize financial portfolios for delivery on Post Audit reviews.

Engaged with senior management to drive production increases, shaping problematic loan scenario restructuring, credit data analyses and other improvement initiatives to raise production 5%+ and reduce overall error rate to less than 5%.

Additional Experience

Sr. Risk Analyst, SVS Staffing Group (Citi Group & Fannie Mae & Wells Fargo) Dallas, TX 2008 – 2011

Education

Secondary Education and Sociology, Missouri State University, Springfield, MO

Associates of Arts in Education, Hutchinson Community College, Hutchinson, KS

Professional Development

Consumer Protection Laws and Regulations, Privacy/Customer Information Security, Fair Lending (ECOA), Unfair Deceptive or Abusive Acts or Practices, Truth in Lending, Bank Secrecy Act/Anti-Money Laundering, FCRA, Third Party Compliance Reviews

Technical Skills

Microsoft Excel, Microsoft Word, Microsoft PowerPoint, Microsoft Visio, Loan Prospector (LP), Desktop Underwriter (DU), LPS, Fraud Guard, Lexis Nexis

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