Mortgage Underwriter Fraud Analyst
Resume:
Hasani
Robinson
Deltona, FL
**************@*****.***
Highly self-motivated fraud analyst ready to bring excellent analytical and investigatory skills to a new company. Agile, team leader who thrives in fast paced environments that requires the ability to effectively prioritize and manage multiple projects and tasks. Proven track record to develop and successfully execute performance standards. Results driven achiever with exemplary planning and organizational skills.
Skills
Microsoft Office
Financial Analysis
Mortgage Loan Processing
Financial Modeling
Microsoft Excel
Excellent decision-making and communication skills
Experience
2014 – 2022
Fraud Analyst /Bank of America, Wilmington, Delaware
Investigated fraud between merchant services yielding successful deactivation and holding periods for activated cards
Examined patterns and trends on large amounts of data to find patterns of fraud and anomalies
Handled inbound and outbound calls with card members and merchants while being able to diffuse difficult situations
Collaborated with team members to discuss fraud trends and brainstorm methods to combat fraud
Conducted research, analysis, and documentation of user account activity minimizing customer identity theft by 20%
Regularly recognized for having 100% quality and the highest productivity within my team
2010 - 2014
Loan Modification Underwriter / Bank of America, Wilmington, Delaware
Responded to a variety of customer financial inquiries and provided financial information to the public
Evaluated US Treasury Make Home Affordable Loan Modification applications for compliance with company guidelines to issue underwriting approval or denial using an automated system such as LP and DU.
Calculated Income for Salaried, Commissioned, and Self-Employed Borrowers by reviewing pay studs, 1099s, W2s, personal and Business Tax Returns, to determine income stability and consistency.
Approved loans within credit authority and in accordance with credit policy and credit culture. assists the team lead loan underwriter with the more complex credits.
Performed financial computations/analyses to determine applicants' ability to repay home loans by reviewing applicants’ financial documents
2005 - 2008
Mortgage Underwriter Wilmington Finance, Plymouth Meeting, Pennsylvania
Reviewed and verified loan applications and supporting documentation by evaluating financial risks and making final decisions on eligibility for applicants
Mortgage loan underwriter with $250,000.00 signing authority
Performed intricate review of loan documents, corporate and personal tax returns, profit and loss balance sheet, property title, appraisals, power of attorney, trust documentation, real estate contacts to verify accuracy, authenticity, and compliance
Provided coaching to less experienced team members
Utilized investor guidelines and delegated authority to decision customer hardships with home retention strategy
Communicated and documented reasons for approval or rejection of loans so clients and loan officers are well-informed of decisions
Familiarity with home loans and residential mortgages such as FHA, USDA, VA, conventional loan guidelines, and loan products
1997 - 2004
Assistant Branch Manager, Citi Financial, Philadelphia, Pennsylvania
Enabled clients to achieve their strategic financial objectives by providing them with cutting-edge ideas, best-in-class products and solutions, and unparalleled access to capital
Maintained banking relationships and negotiated loans and merchant services for business units
Arranged financial audits and reviews as required
Worked with executives and business heads to prepare budgets and track profit / loss performance by business unit on consolidated basis
Worked closely with branch manager to develop and drive commitments and behaviors
Coordinated the personnel functions for branch employees with the manager to include staff scheduling, training, evaluating performance, employee morale, and policy compliance
Education
MAY 1996
Bachelor of Art, Business Administration/ Lincoln University, Oxford, Pennsylvania
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