Loan Review Credit Analyst

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Daphne O’Neal 747-***-****

Sherman Oaks, California

******@***********.***

Skillful and dynamic in data analytics with over 16 years of expertise in underwriting, auditing, quality control, legal, regulatory compliance, and fraud investigations in finance and over five years of entrepreneurial, sales, leadership, contract review, and operational management experience. Strong business analytics acumen in all facets of financing, conventional, custom construction and commercial underwriting, management, and team leadership. Proficient with exceptional knowledge of Fannie Mae and Freddie Mac (FNMA/FHLMC) underwriting guidelines. Focused on due diligence and conflict resolution. Excellent written and verbal communication abilities. Proficient in Microsoft. Highlights of Expertise

• Credit Analysis

• People Management/Team Leading

• Quality Control

• Operational Leadership

• Regulatory Compliance

• Contract Review

• Auditing

• Fraud Investigations

• FNMA/FHLMC Underwriting Guidelines

• Conflict Resolution

Career Experience

New Economics for Women – Women’s Business Center (October 2021 – September 2021) Part-time Business Consultant, REMOTE

Work one-on-one with businesses in packaging loan documentation for SBA loans. Includes but not limited to preparing financial statements, budgets, and financial projections. Ensure that the loan package is complete for submission to various lenders.

Guaranteed Rate, Inc. (November 2021 – April 2022) PRE-FUNDING QUALITY CONTROL UNDERWRITER, REMOTE

Audit loan files to meet the requirements of Agency loans Fannie Mae and Freddie Mac. The focus of the pre- funding review is to ensure the data integrity of the Automated Underwriting Systems (DU & LPA) and underwriting conditions align with the documentation provided in the loan file. Daphne O’Neal Page 2

Ascentus One, New Jersey, REMOTE

Provided training, Examined/Underwrote over 600 loans, and clear conditions (Agency loan products). CONTRACT UNDERWRITER / PERFORMANCE SUPERVISOR (July 2020 – September 2021)

Conventional Loan Underwriting for Agency loans (Freddie Mac & Fannie Mae loan review).

Provide training for incoming new hire contract underwriters.

Reviewed new hire contracts to confirm alignment with company policies and procedures. Green Box Loans, Los Angeles, California

Examined, underwrote, and cleared conditions for Non-QM loan products. TEAM LEADER/SENIOR UNDERWRITER (2020)

Self-supervised / project-managed large pipeline of products.

Utilized industry standard and investor-specific guidelines.

Complied with all company policies, procedures, and state and federal regulations. Daphne’s Desserts, Sherman Oaks, California

Owner-operator, managed and promoted baked goods in brick-and-mortar wholesale and retail coffee shop. Specialized in whole organic foods, desserts, and coffees. PRESIDENT/OWNER AND OPERATOR (2015 to 2019)

Supervised employees and all day-to-day operational functions.

Networked with customers and ascertained demand. Quantified and confirmed all cash and credit deposits.

Established cleanliness and adhered to all Health Department rules and regulations maintaining an

“A” rating.

Maintained compliance with all food processing and business operations ordinances, laws, and regulations.

Fannie Mae, Pasadena, California

UNDERWRITING STANDARDS SPECIALIST III (2010 to 2016) Assessed closed loan files, analyzed significant loan trends, and presented trend information under Fannie Mae’s Underwriter Center (NUC).

Mitigated losses with major national financial institutions as part of Credit Risk Team (CRT).

Determined eligibility through risk analysis and measured deficiencies.

Monitored transaction components for fraud; investigated and compiled conclusions.

Communicated, both verbally and in writing, to customers’ results of file reviews. Additional Experience

OPERATIONS MANAGER (2005 to 2007) Millennium Mortgage Group, Northridge, California CONTRACT UNDERWRITER (2003 to 2005) United Guaranty, Mission Viejo, California Education & Credentials

Master’s in Business Administration

University of Phoenix, Woodland Hills, California

Bachelor of Art in Radio, TV, Film with Emphasis in Film Production; Minor in Pan African Studies California State University, Northridge, California

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