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Mortgage Underwriter Fraud Analyst

Deltona, FL
October 24, 2022

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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.


Microsoft Office

Financial Analysis

Mortgage Loan Processing

Financial Modeling

Microsoft Excel

Excellent decision-making and communication skills


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


MAY 1996

Bachelor of Art, Business Administration/ Lincoln University, Oxford, Pennsylvania

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