Team Leader Business Administration
Resume:
Franshell Davis
**************@*****.***
Dallas, Tx
Professional Experience
Small Business Administration via Brillient Inc
Senior Underwriter-Remote April/2020- Sept/2024
●Reviewed and analyzed requests from direct borrowers or requests from participant lenders in relation to servicing, liquidating or purchasing loans depending upon the division to which the incumbent is assigned. Independently determines what data is needed to analyze/evaluate the request. Analyzes these requests in terms of the financial condition of the borrowers and the effect and implication they have on the interest of SBA if they are approved. Makes independent recommendations on these requests to supervisor/team leader.
●Analyzed financial statements (using cash flow projections and ratio analysis) as necessary to detect trends in the financial condition of the business and to initiate appropriate corrective actions.
●Provided extensive servicing, purchasing or liquidation of the more complex delinquent loans or potentially delinquent loans. Analyzes the underlying problems and causes of delinquency and develops the solutions to protect the interest of the Agency and the survival of the small business.
●Conducted interviews with borrowers and lenders and counseled them on SBA's practices. Assesses borrower's or lender's need for assistance from other sources and counsels accordingly.
●Reviewed and QC’d associates trailing documents with their respective loan files or transfers files / documents to the appropriate SBA office.
●Analyzed and made recommendations on transaction requests in accordance with existing Agency SOP's or guidelines.
Wells Fargo December 2019-March 2020
Contractor, Underwriter
●Worked with Auto Risk mitigation team.
●Reviewed Aftermarket Products
●Reviewed trigger
●Approved or declined aftermarket product based in Lender at risk and consumer value
●CRS system
●Approved or declined funding for loan once all analysis has been completed.
The Bank of New York Mellon March 2019-December 2019
Underwriter
●Performed analytical and evaluative work requiring knowledge of credit risk factors and lending principles involved in Federal loans of specialized types; financial structures and practices of business organizations concerned with such loans; and pertinent statutory, regulatory, and administrative provisions.
●Performed assignments of large-scale housing transactions, such as large multi-family rental projects and nursing homes; and in the commercial field with budgets up to 1M, loan actions covering varied kinds of business operations. Representing all types of ownership, including partnerships and corporations. Applicants and borrowers’ incomes must often be determined by estimates based on the anticipated trend of the business operation, local economy, and management ability of the owners of the property or business.
●Performed work independently on normal loan examining and servicing, but actions not covered by regulations or precedents are discussed with the team leader or supervisor prior to formulation of recommendations as to approval or disapproval. Examples of complex residential loans include entities such as condominiums, homeowners’ associations, and multi-residence owners. Small business loan applications are processed independently and more complex business loan applications with the guidance of the team leader or supervisor. Work is reviewed for compliance with agency policies, regulations, and procedures and to determine whether recommendations are sound.
●Performed team leader duties over employees of the same and lower grade levels as assigned.
US Bank National Association July 2016-March 2019
Default Underwriter
●Performed assignments of large-scale housing transactions, such as large multi-family rental projects and nursing homes; and in the commercial field with budgets up to 1M, loan actions covering varied kinds of business operations. Representing all types of ownership, including partnerships and corporations. Applicants and borrowers’ incomes must often be determined by estimates based on the anticipated trend of the business operation, local economy, and management ability of the owners of the property or business.
●Performed team leader duties over employees of the same and lower grade levels as assigned.
●Communicated in writing any denial of loan request or changes made to an approved loan. The letters must be clear and provide an accurate explanation of the Agency’s actions.
●Ensured the loan file followed all agency loan guidelines, regulatory requirements, internal Company policies and procedures, meet and exceeded Agency quality control and production requirements.
●Assisted in moving loans from submission to clear to approval.
●Ensured all processes and checklists are completed accurately on each loan file
●Ordered internal conditions for each loan per the Loan Mod Approval.
●Demonstrated the ability to work independently, to be resourceful, and to resolve issues as they arose with minimal supervision.
Advantium Capital October 2011-July 2016
Loan Underwriter
●Responsible for working closely with assigned team and underwriters to procure outstanding conditions (both internal and external).
●Communicated with the sales coordinators in areas related to training, compliance by the broker related to condition delivery processes and completeness of files.
●Reviewed appropriate documentation to satisfy conditions and move loans through the pipeline efficiently from submission to loan modification.
●Worked closely with underwriters, request documentation and follow up on missing conditions.
●Assisted in moving loans from submission to clear to approval.
●Ensured all processes and checklists are completed accurately on each loan file.
●Ordered internal conditions for each loan per the Loan Mod Approval.
●Cleared conditions in accordance with the level of authorization.
The Bank Of New York Mellon April 2014-August 2014
Contractor, Document Custody Processor
●Pulled files
●Went through documents and performed light data entry
●Returned files when completed
JPMorgan Chase August 2009-October 2011
Financial Analyst
●Validated that borrower charges were assessed correctly during bankruptcy, foreclosure, or loan modifications
●Issued refunds to borrowers and attorneys
●Validated that invoiced detail conforms to amounts quoted to the borrower
●Ensured quoted expenses have been invoiced and paid
●Validated accuracy of fund and expense entries to corporate advance and escrow accounts
●Reclassified corporate advance to recognize non-recoverable losses
●Requested principal balance reduction on loan if modifications are overcapitalized.
GMAC Financial December 2003-August 2009
Mortgage Loan Counselor and Short Sales Specialist
●Maintained a high level of customer service by being proactive in communication with customers, banking center associates, realtors, etc.
●Set up and analysis escrow account and disbursements
●Reviewed file documentation and make sure all items needed are requested. Ordered and coordinated loan documents.
●Had detailed knowledge and processing experience of Conventional, FHA and VA loans.
●Experienced with working with different investors
●Responsible for tracking insurance on real estate loans
●Cleared exceptions and force placed insurance as appropriate in accordance with federal regulations.
●Provided information to clients regarding consumer loans.
●Verified and documented all insurance tracking issues and worked with internal & external partners to resolve issues.
●Audited modification packages to ensure that customers had sent in all information required for processing.
●Entered all proper loan information into the system for processing.
●Ensured that all loan documentation was completed, accurate, verified, and complied with company policy.
Education
Richmond Community College- 2020
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