David Castelein

Saint Charles, MO ***** 314-***-**** – Cel adtt6z@r.postjobfree.com

Financial Analyst

Accomplished and solution-driven Financial Analyst with extensive cross-functional background seeking opportunities which provide a challenging position with a progressive company where my management and financial experience will be utilized to benefit my employer and provide additional personal growth.

Skills

Risk Management Lending/Underwriting Data Analysis

Auditing Managerial Experience User Acceptance Testing (UAT)

KPI Dashboards & Scorecards Data Mining & Analytics GAAP Knowledge

Compliance Manager Corporate Finance Mortgage Originations

Lead for Special Projects Interface w/ FNMA & FHLMC Small Business Lending

Professional Experience & Responsibilities:

CitiGroup, Inc. – O’Fallon, MO – Global Retail and Investment Bank – 03/1991 – 12/2019

Risk Business Compliance Control Manager for Subsidiary CitiMortgage - Vice President –02/2018 – 12/2019

Manage assigned Manager’s Control Assessment (MCA’s) groupings within the Mortgage Originations Channel

In concert with the Citi Compliance Team, mitigated newly identified inherent risks within the origination process by setting up controls to reduce to an acceptable residual risk level

Perform Annual Risk Assessments (ARA’s) on all existing MCA’s

Ensure Compliance with Federal Mortgage Lending Regulations and Citations on a continual basis for strict adherence to all Government and Business Policies

Develop and incorporate new process controls that keep CitiMortgage compliant with ever changing Federal Regulations

Ensure new MCA’s are properly circulated and understood by the end users within the Mortgage Origination Channel

Repurchase Group Self-Reporting Manager - Vice President - 2/2016 – 2/2018

Lead the “loan defect” Cure Group to ensure the Department Financial & Data Goals are met.

Manage the Self Reporting Department that includes the Internal Cure Group

Responsible to Self-Report identified “loan defects” to Investors according to specific investor’s policies and timelines

Maintaining all Department Policies and Procedures and confirming policies are current

Manage the HUD Indemnification Process according to set standards and timelines

Ensure all new policies from investors are properly circulated and understood by the end users within Self Reporting

Sr. Financial Analyst Claims ID & Legal Resolution Department - Assistant Vice President - 2/2007 – 2/2016

Oversee daily activities of the CitiMortgage’s Self Report Cure Team

Self-Report defective loans to our Investors (FNMA & FHLMC - to name two)

Manage specific quantitative reports to Investors

Co-ordinate the Indemnification Process to HUD

Data mining using Excel Program as well as alternative investigations

Regular communication concerning policy with the GSE’s

Maintain and update the Self Reporting Policies and Procedures Manual

Second Mortgage Broker Channel Credit Underwriter - Assistance Vice President 1/2005 – 2/2007

Underwriting/Final Credit Decision

Utilize both Income Verification and Stated Income Processes

Represented 2nd Mtg. Underwriting in the Business Change Control Meetings

Successfully completed Broker Channel Talent Development Program

Senior Business & Professional Commercial Credit Underwriter - Assistance Vice President - 8/1997 – 1/2005

Underwriting/Final Credit Decision

Business and Personal Financial Statement Analysis

Role of Project Manager developed and managed Account Monitoring Process for existing credit lines.

Second Level Review of applications for Junior Underwriters

Communication of decision, possible resolution and coaching to Sales Personnel

Active in decision appeal process, term modifications, special loan programs and legal issues

Utilize SBA & LMI programs to fulfill CRA requirements when appropriate

Branch Credit Center Underwriter - Assistance Vice President - 11/1994 – 8/1997

Underwrite ‘on-line’ system consumer credit requests in a real time environment

Provide coaching support and decision alternatives to branch personnel

Assist management with system credit scoring flaws

Manage Balance Control Account Monitoring Process for existing credit lines

On-line review of second mortgage requests with decision recommendation & doc requirements

Transamerica Commercial Finance Corporation - Operations Manager - 11/1981 – 2/1991

Managed satellite finance branch – Dallas, Texas

Supervised accounts payable, accounts receivable, new business bookings and collections

Two years Operations Manager for Asset Based Lending Division

Adherence and oversite of Generally Accepted Accounting Principles.

Initiated and implemented special projects as role of Project Manager

Three years’ experience Internal Operational Audit and Policy/Procedural Development

Liaison between upper management, branch personal and regional sales force

Credit Analysis with Credit Initial accountabilities for eight years

Direct sales responsibility in Operations Manager position

Education:

Northern Illinois University, DeKalb, Illinois

Bachelors of Science in Finance Major with Accounting Minor

Systems:

Personal computer, remote terminal capabilities, Access, LawBase, iPads and smart phones. Skilled in multiple software applications including, but not limited to Microsoft Office including all M/S Office applications. Proficient in Microsoft Excel.

Professional Coursework:

D&B Credit Analysis Workshop Supervisory Training Course

Appraisal Analysis and Review Fraud Detection & Prevention Training

Secondary Market Opportunities Six Sigma Training (Lean)

Managing Risk in Commercial Lending Citibank Core Credit Training

Co-operative Housing Citi Lean Training

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