Special Projects Customer Service
Resume:
Firuza Sultanova
***** **** ***** *****, *****, VA 20105
Cell: 571-***-**** – E-mail: *********@*****.***
Education
MBA, VIU September 2006-Dcember 2008
Bachelors in Banking, TFI September 2001-June 2005
Professional Experience
Aston Carter
HELOC UW June 2022-February 2023
Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.
Reviews residential loan application file to verify that application data is complete and meets establishment standards including type and amount of mortgage, borrower assets, credit, liabilities, and length of employment
Gathering, analyzing, and interpreting credit information for existing and prospective customers to assess credit quality and minimize risk and potential loan loss.
Analyzing financial statements and related materials including spreading financial statements for borrowers and guarantors.
Preparing a written presentation of the pertinent credit and financial information for loan committee approval.
Maintain relationships with vendors and service providers and manage contract and price negotiations.
Coordinate office activities and operations to secure efficiency and compliance with company policies. Identify opportunities for operational growth and increased efficiencies
Performing other duties and special projects as assigned
Bayview Asset Management
Underwriter/Credit Analyst April 2021-April 2022
Underwrite the file with FNMA/FHLMC guidelines, portfolio/private Investor loans
Supportive environment that offers autonomy, customer service and a commitment to doing it right
Applying knowledge of conventional and/or government guidelines, federal lending regulations governing real estate lending
Preparing financial projections and sensitivity analysis.
Maintain relationships with vendors and service providers and manage contract and price negotiations.
Coordinate office activities and operations to secure efficiency and compliance with company policies. Identify opportunities for operational growth and increased efficiencies
Performing other duties and special projects as assigned
Sourcepoint
Underwriter April 2020-April 2021
Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.
Reviews residential loan application file to verify that application data is complete and meets establishment standards including type and amount of mortgage, borrower assets, credit, liabilities, and length of employment
Coordinate office activities and operations to secure efficiency and compliance with company policies. Identify opportunities for operational growth and increased efficiencies
Maintain relationships with vendors and service providers and manage contract and price negotiations.
Performing other duties and special projects as assigned.
Mortgage One Solutions
Underwriter/Accounting Assistant November 2017-April 2020
Assist in the account payable process
Provide support to the cash receipts and accounts receivable function
Perform purchasing functions
Serve as lead for document retention practices
Builds and maintains cooperative work relationships with others. Completes tasks for group projects in a timely and responsible manner.
Making presentations on variable projects
Performing other duties and special projects as assigned.
Homeside Financial LLC
Sr. Loan Processor/Jr. Underwriter/Credit Analyst March 2015 – October 2017
Verifies, compiles, and reviews application information for mortgage loans
Reviews residential loan application file to verify that application data is complete and meets establishment standards including type and amount of mortgage, borrower assets, credit, liabilities, and length of employment
Manage office supply inventory. Serve as a liaison to the Marketing department for specific printed material
Assist HR Manager with new hire onboarding as needed
Manage office supply inventory, ensuring the relevant supplies are stocked and maintain office equipment
Performing other duties and special projects as assigned.
George Mason Mortgage LLC August 2012 – March 2015
Loan Processor
Review initial loan approval and work with borrower to gather appropriate documentation
Collect all required documentation for the loan package
Determine if the file can move forward
Create a loan submission package for the Underwriting Department
Manage office supply inventory, ensuring the relevant supplies are stocked and maintain office equipment
Satisfy all conditions when received from Underwriter
Endure that approval falls within the established lending guidelines
Marion Mortgage LLC
Loan Processor April 2012 – July 2012
Review documentation (i.e. tax returns, bank statements, pay stubs, etc) to make sure everything meets program guidelines and sign off on received conditions once underwritten.
Review file documentation to ensure all necessary items have been requested (i.e. purchase contracts, bankruptcy papers, trust documents, etc)
Order and review all necessary AUS, appraisal and title documentation, as well as all required credit and underwriting documentation
TD Bank January 2009-April 2012
Sr. Customer Service Representative/ Certified Consumer Lender
Borrower’s credit analysis, prequalification
Explain the consumer lending process
Describe various loan products
Updates and validates the accuracy of all data within the loan origination system within specified time frames.
Ensures loan documentation is complete and accurate according to TD Bank policy requirements, lending guidelines and compliance regulations.
Virginia International University, Fairfax, Virginia September 2006 – December 2008
Accounting Assistant
Assist in the account payable process
Provide support to the cash receipts and accounts receivable function
Overall support as needed
Provide support to the CFO as needed
Perform purchasing functions
Manage office supply inventory. Serve as a liaison to the Marketing department for specific printed material
Serve as lead for document retention practices
Process tuition payments
Contact this candidate