ARACELI DAVIS

Riverview, FL ***** 813-***-**** adt3ou@r.postjobfree.com WWW: Bold Profile

Professional Summary

Eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Motivated to learn, grow and excel in the industry given the opportunity. Offering 20 plus years of expertise in the Financial Banking field. Vast knowledge of banking in the following fields:

Leadership roles: Assistant manager, Liaison, On boarding, Coach and Training. Document Analysis and underwriting: Title, Appraisal, Credit, Assets, complex Income calculations using Self Employed, Rental, Salary Wages, retirement income. Skilled in Document management, compliance procedures knowledge in the retail and whole sale market.

Customer Service field: Auto Finance, Credit card servicing, Collections, Disputes, Skip tracing, Loss Mitigations, Foreclosure, Sales, and money handling. Skills

Advanced in:

Microsoft Excel Skills

Powerpoint

Zoom / Teams

Outlook

Salesforce

Ifulfill

Document management Portal, Sharepoint,

Sharedrive

Microsoft Word

Strong interpersonal/communication skills

(oral and written)

Work History

Ref Data Management Associate Analyst 06/2022 to Current Citi Bank Corporate – Tampa, FL

Responsible for opening and maintaining customer sub-accounts or product pricing setups, and actively ensuring that customer/product data details and settlement instructions across a variety of systems remain up to date.

Liaises other operational teams globally to ensure that a globally consistent model is followed with respect to this critical reference data.

Ensures that statutory and regulatory obligations are met when new relationships with clients product/pricing sets are established.

Verifies all details of the client/product from a regulatory and control perspective for Institutional Client Accounts.

Delivers routine and defined tasks daily, while developing knowledge of the broader context in which work is being performed.

Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Mortgage Underwriter 01/2021 to 04/2022

Caliber Home Loans

Conventional, Refinance, New construction loans, Large loans. Data analysis of submitted documentation covering credit histories, employment records and current financial status.

Sound knowledge of multiple loan product guidelines offered by company, automated and manual DU/LP guidelines, and risk assessment .

Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

Lending Authority to provide firm Approval or Decline decisions on loan requests up to 999K. Data Management- Used standard document management tools to register documents and maintain databases used to produce logs, transmittal receipts and other reports. Small Business Analyst Quality Assurance 08/2019 to 01/2021 Bank Of America

Primary duties document processing Analysis, credit quality and compliance defects to identify tall bars.

Create, maintain, and deploy coaching materials to enhance associates skillset and close knowledge gaps.

Data Management- Used standard document management tools to register documents and maintain databases used to produce logs, transmittal receipts and other reports. First Mortgage - Client Advocate - Officer 07/2017 to 08/2019 Bank Of America

Worked multiple titles: Mortgage Document analysis, Processor, Liaison, Trainer, Assistant to Manager and Developed associates.

equipped team with coaching to comply with company policies and procedures. Enabling them to improve skills, achieve daily objectives and attain advancement. Home Equity - Client Advocate - Officer 05/2015 to 07/2017 Bank Of America

Worked multiple titles: Jr Underwriter Analyst, Liaison, Trainer, Assistant to Manager and Developed associates.

Equipped team with coaching to comply with company policies and procedures. Enabling them to improve skills, achieve daily objectives and attain advancement. Provided on-going, comprehensive training on home loan products and mortgage process. Senior Mortgage Loan Processor / High Net Worth 04/2014 to 05/2015 Bank Of America

Review client eligibility of home loans for clients in high net-worth. lending authority for loan requests of a million dollars and higher. Home Equity Mortgage Loan Processor 10/2013 to 04/2014 Bank Of America

Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.

Prepared file for final clear-to-close by branch management. Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

Communicated with originator and applicant concerning progress of loan file. First Mortgage Loan Processor 10/2012 to 10/2013

Bank Of America

Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.

Prepared file for final clear-to-close by branch management. Handled any conditions sent from underwriting departments. Reviewed financial statements and contacted institutions and customers to clarify details. Analyst II 10/2012 to 12/2012

Bank Of America

Analyzed program data to provide input for key decision making and strategic planning. Applied knowledge of data modeling and statistical analysis to note trends and draw conclusions.

Researched and recommended process improvements designed to mitigate operational and financial risk.

Data Management- Used standard document management tools to register documents and maintain databases used to produce logs, transmittal receipts and other reports. Programs frequently used: Excel, Pivot Tables, SPREADSHEET, Powerpoint, Sharepoint, and DMP Document Management Portal

Senior Mortgage Specialist 05/2002 to 10/2012

HSBC Mortgage Services

Loss mitigation, Short-sale and Foreclosure clientele Teller 02/2002 to 05/2002

Amscot Financial

Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.

Vast knowledge with Anti Money Laundering polices, as well as identifying possible fraud. Education

Associates of Science: Interior Design 05/2006

International Academy of Design - Tampa, FL

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