Credit Analyst Mortgage Loan
Resume:
Experience
SENIOR RESIDENTIAL MORTGAGE LOAN OFFICER – Rapid rate mortgage (Pensacola, FL) November 2022 – PRESENT
Originated & funded residential mortgage loans
Licensed in Alabama & Florida – NMLS #1759569
Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans
Build and maintain positive relationships with business referral sources, customers, potential customers, and colleagues
SENIOR RESIDENTIAL MORTGAGE LOAN OFFICER – Fairway Independent Mortgage Corp. (Pensacola, FL)
DECEMBER 2016 – OCTOBER 2022
Originated & funded residential mortgage loans
Licensed in Alabama & Florida – NMLS #1759569
Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans
Build and maintain positive relationships with business referral sources, customers, potential customers, and colleagues
CREDIT ANALYST – HOMETOWN BANK (FON DU LAC, WI) OCTOBER 2015 – MARCH 2016
Evaluated borrower’s loan application to determine if the entity generated enough cash flows to settle its debt obligations
Collected asset & income documentation from borrower, analyzed information provided, and determined whether to approve loan request
Determined borrower’s creditworthiness and level of credit risk associated with extending credit to them
Proficient in techniques such as ratio analysis, trend analysis, cash flow analysis, and projections to determine creditworthiness of borrower
CREDIT ANALYST – U.S. BANK (CHICAGO, IL) MARCH 2013 – APRIL 2014
Evaluated borrower’s loan application to determine if the entity generated enough cash flows to settle its debt obligations
Collected asset & income documentation from borrower, analyzed information provided, and determined whether to approve loan request
Determined borrower’s creditworthiness and level of credit risk associated with extending credit to them
Proficient in techniques such as ratio analysis, trend analysis, cash flow analysis, and projections to determine creditworthiness of borrower
MESSENGER (MONEY TRANSPORT) – BRINK’S, INC (Pensacola, FL & brooklyn, ny)
JULY 2007 – AUGUST 2010
Deliver, pick up, and reconcile valuables at customer's location
Provide a secure environment and maintain control of shipment
Maintain radio communication with vehicle crew and dispatch personnel during transactions
Reconcile deposits and receipts of valuables handled at customer's location
MACHINEGUNNER – UNITED STATES MARINE CORPS
MAY 2005 – JUNE 2007
Responsible for the tactical employment of the 7.62 mm 240 G & 240 B Machine Gun, the 50 Caliber Heavy Machine Gun, and the 40mm MK-19 Automatic Grenade Launcher
Provide direct fire in support of the Infantry Rifle squads/platoons/companies
Deployed January 2006 to August 2006 in support of Operation Iraqi Freedom (OIF) with 1/1 Weapons Company – Mobile Assault Platoon (MAP) 2
Education
Bachelors in Finance, 2009 to 2011
Hofstra University, Hempstead, Long Island, NY 11549
Associates in General Studies
Pensacola Junior College, 2000 to 2002
References
LCDR Eric Lewis Robert Echols
United States Navy Escambia County Sheriff’s Office
Hospital Administrator Director of IT
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