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BE'LINDA MCKENNEY

ad40ss@r.postjobfree.com 469-***-**** Forney, TX 75126 WWW: Bold Profile

Experienced financial professional with a demonstrated history of working in Real Estate, AML and Government Sponsored Programs. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. 7a Loan Post-Servicing

Knowledge of SOP 50-10

OFAC/PEP

SAR (Semi Annual Reporting)

Guaranty Purchase Tracking System (GPTS)

SAR (Suspicious Activity Reporting)

Verbal and written communication

Documentation Review

Analytical Skills

Portfolio Management

Regulatory Compliance

Risk level determination

Forensic research

KYC

CDD

EDD

CIP

Small Business Administration Little

Rock, AR

Loan Specialist Full-Time 40hrs Wkly

05/2020 - Current

Gather and review facts and data relating to the loan balance, lien situations, collateral, interests of other creditors, and any assets of the borrower which may provide recovery to the Agency

Perform purchasing, liquidation, extension to the liquidation period, billing for non-compliance, SAR reporting and charge-off of delinquent loans or potentially delinquent loans.

Review liquidation plans setting out the steps to be followed to achieve the orderly liquidation of the particular debt.

Determines when all reasonable collection efforts have been exhausted and recommends that a loan be charged-off.

Provide training support for employees in order to ensure successful knowledge of work assignments.

Review existing contracts and agreements between the SBA and its partners to ensure compliance with applicable laws and regulations. Capital One Financial Corp Plano, TX

AML Fraud Investigator III Full-Time

40hrs Weekly

08/2018 - 06/2019

Wrote suspicious activity reports, filed CTR's, working with FINCEN, and other applicable AML processes in accordance with regulations and time limitations

Reviewed system generated alerts, assess impact to AML processes, conducted research as required, and documented results in written format Reviewed multiple types of fraud such as counterfeit, synthetic, first party fraud, ATO (Account Take Over) and third party fraud and reported any and all types in SAR filings

Identified patterns of suspicious activity across multiple accounts or transactions.

Summary

Highlights

Experience

Collaborated with external agencies such as banks, credit card companies, and law enforcement when necessary.

Gather facts through such methods as bank transactions,credit reports, credit card transactions, contacts with allegers or others, and analyze records to establish facts or obtain evidence.

SBA Office of Disaster Assistance Fort

Worth, TX

Loan Specialist Full-Time 40hrs Wkly

10/2017 - 05/2018

Assisted homeowner(s) and or business owners in obtaining a loan to repair their homes or businesses affected by Hurricane Harvey, Irma or Maria or any other disaster

Interviewed applicant(s) to obtain all pertinent facts to determine the applicant's ability to pay and estimates of damages after the insurance proceeds were received

Verified coverage of insurance with varies insurance companies and communicated with the homeowner(s) and or business SBA's policies and or procedures to alleviate double payments.

Conducted risk analysis to identify potential losses associated with certain loans.

Responded orally and/or in writing to applicants or their representatives. Verified accuracy of loan documents prior to approval. Analyzed borrower's financials, creditworthiness, and collateral position for loan approval decisions.

Analyzed insurance policies to assess coverage for flood-related claims. Calculated replacement cost values for damaged items based on current market prices.

Reviewed data to verify validity of claims and determine case management actions.

NTT DATA Farmer Branch, TX

AML Analyst Full-Time 40hrs Wkly

09/2015 - 10/2017

Performed required EDD steps on high risk customers Reviewed KYC for completeness and accuracy as part of the customer validation in order to assess and document the risks associated with that customer

Identified and addressed items through day-to-day assignments to ensure the bank's KYC and CIP standards were met

Analyzed customer data, transactional activity open source information to determine legitimacy and potential risk exposure

Performed searches utilizing internet sources and/or third party vendors to determine negative news/PEP and obtain due diligence information on new/existing customers

Reviewed and resolved EDD alerts; escalated findings to manager when appropriate

Knowledge of the laws applicable to money laundering, including Bank Secrecy Act, the USA PATRIOT Act,US Treasury AML guidelines, OFAC requirements, and Suspicious Activity Reporting requirements Investigated alerts generated by automated monitoring tools for potential money laundering activity.

Regional Acceptance (Contract)

Arlington, TX

Backend Collection Specialist

09/2014 - 09/2015

Located debtors by utilizing skip tracking and other strategies Notified customers of delinquent accounts with attempt to collect outstanding amounts

Handled irate customers smoothly to achieve performance targets Worked accounts 61 days past due and up

Made outbound and received inbound calls

Assigned accounts out for repossession and provided support needed Thoroughly and accurately documented account activity JP Morgan Chase Coppell, TX

LM Home Liq Specialist III Full-Time

40hrs Wkly

09/2011 - 05/2014

Reviewed all items and conditions provided by borrowers and ensured they met the required guidelines by utilizing internal and external (e.g., agency) polices and procedures

Monitored property appraisal process to ensure the value of a property is accurately presented

Communicated credit recommendations

Calculated Debt-to-income ratio

Assessed individual's creditworthiness while adhering to all regulatory and compliance requirements

Worked in a fast-paced, high volume environment, while practicing sound lending judgement

Analyzed short-sale offer to identify any risk issues and/or potential misrepresentation

Negotiated contracts between sellers and the bank to avoid D-I-L of foreclosure

Coordinated with attorneys representing lenders in court proceedings related to foreclosures.

Wingspan Portfolio Services Carrollton,

TX

Loan Resolution Specialist Full-Time

40hrs Wkly

06/2010 - 09/2011

Marketed delinquent mortgage notes to investors, negotiating to achieve highest bids for notes and short sales

Reviewed accounts to determine payment plan compliance Negotiated rates with customers and entered payments into accounting system

Met demands of busy collections group by performing high volume of daily calls

Routinely contacted account holders with balances over 60 days past due to resolve delinquencies

Utilized skip tracing resources such as background checks and loan documents

AHMSI (American Home Mortgage

Servicing) Coppell, TX

Home Retention Specialist III Full-time

40hrs Wkly

01/2009 - 06/2010

Researched discrepancies in foreclosure documents and loan agreements Assisted attorney in title search operations and checked all title issues in coordination with supervisor

Handled escalated calls

Reasoned with customers and attempted to negotiate full balance payments

Used effective questioning techniques to clarify why debtors were delinquent

Handled contracts and payments on accounts

Located debtors by utilizing skip tracking and other strategies Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues Saxon Mortgage Fort Worth, TX

Loss Mitigation Specialist Full-Time 40hrs

Wkly

08/2006 - 01/2009

Provided information about different property liquidation options Managed portfolio to control overall mix of accounts and exposures Negotiated payment arrangements

Served as liaison between borrowers and lenders and collaborated with both parties to obtain optimal loans for home purchases Worked with customers to put together plans focused on retaining property ownership

Contacted borrowers to assess reasons for default, individual intents and options for resolving issues

Helped clients and attorneys complete short sales

Put together and sent out reinstatement and payoff quotes TranSouth/Arcadia Bedford, TX

Collections Specialist 40hrs Wkly

06/2002 - 07/2004

Negotiated rates with customers and entered payments into accounting system

Completed skip traces on customers failing respond to collection efforts Made outbound and received inbound calls on delinquent borrowers Worked accounts 61 days past due and up

Assigned accounts out for repossession, provided repo support as needed Processed payments over phone and set up recurring drafts Met demands of busy collections group by performing high volume of daily calls and maintaining superior quality assurance results Consumer Portfolio Services Inc. Irvine,

CA

Collection Supervisor Full-Time 40hrs

Wkly

11/1999 - 05/2002

Directly supervised and coordinated the activities of collectors, to ensure collection of accounts

Established collection goals monthly, quarterly and annually in conjunction with management

Delivered/reviewed scorecards to staff on aging percentages Trained new debt collectors in collection policies, procedures and activities Performed other miscellaneous duties as needed and as assigned Point of contact for call escalations and provided proper guidance and feedback after the call as a coaching opportunity

Set individual goals for all team members for semi-monthly performance evaluations, to include retention, completion, quality assurance and attendance goals

Handled escalated calls, and negotiated payment arrangements on account that could not be settled by the collector

El Centro College Dallas, TX

High School Diploma

North Lake College Irving, TX, United States

Certificate in Real Estate

Former Texas Realtor

Independent Claims Adjuster License #2307984, Texas EDUCATION

Personal Information

Skills

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