**** *********** ****

Louisville, KY. *****

Phone 502-***-****

E-mail:

adyhmr@r.postjobfree.com

Heather Parrott

Objective

An opportunity to utilize my education, analytical skills and strong desire to succeed as a contributing member of a professional team.

Education 1995 - 2001 University of Louisville Louisville, KY B.A., Accounting, School of Business

Work Experience

February 2016 – Present Thorntons Inc. Louisville, KY Fleet Sales Coordinator

Educate the Fleet Program to store operations team, assist and support with growth of Fleet team and gallon growth.

Provide 24/7 customer support and service for all Fleet guests. Continuous monitoring of Fleet guest fueling; capture lost or negative trending gallons. Monitor and reach out to older clients that have started to decrease activity or stopped fueling completely. Compile production reports for Senior Management.

Prepare weekly senior management reports and summaries. 2012-2015 Republic Bank and Trust Company Louisville, KY Collateral Review/Credit Analyst

In July 2012, I started in the Mortgage Warehouse Lending Department. My main role in this position includes providing timely and accurate funding advance approval requests without subjecting the bank to any risk. My underwriting background and product knowledge is used to make decisions that minimize our risk. I approve 90% of the advance approvals for the department.

I am the lead analyst in the investor approval, monitoring process and quarterly financial tracking. I analyze the investor balance sheet, income statements and exposure limits.

Analyze non-public investors and state bond agencies. Credit Analyst for 3 clients – Provide detailed financial summaries of both monthly and quarterly financial reporting.

Lead analyst for weekly hedge reporting and weekly summaries 2007-2012 Republic Bank and Trust Company Louisvile, KY HMDA/QC Assistant/Mortgage Processor

In 2007, I started in the loan processing department. I worked as a liaison between the sales staff, third party vendors, the underwriting staff and the document preparation staff to facilitate loan closings June 2009 I transferred to a compliance oriented position. Quality control of the loan operations departments and key knowledge of hmda regulations are my main focus.

Perform daily QC audits of all loans coming through to closing. The HMDA audit is the most vital audit. Perform various quarterly audits. Train new associates and temporary employees.

2006-2007 First Omni Mortgage Lending Louisville, KY Senior Underwriter

Make mortgage lending decisions based on applicants’ credit history, appraisal analysis, title and property history, and overall credit risk Communicate with and advise loan sales staff on various mortgage program guidelines, mortgage lending options specific to individual borrower needs.

Communicate with management and sales staff to facilitate loan closings in a timely manner. I also worked with the document preparation department in preparing closing documents when necessary. 2003-2006 Century Lending Company Louisville, KY

Production Coordinator/ Senior Underwriter

Make mortgage lending decisions based on applicants’ credit history, appraisal analysis, title and property history, and overall credit risk Communicate with and educate third party clients on various mortgage program guidelines, mortgage-lending options specific to individual borrower needs.

Facilitate in the training and education of production assistants and new employees

2001- 2003 Regency First Mortgage, Inc. Louisville, KY Mortgage Loan Processor

Conventional and sub-prime loan processing, audit closed loan files, design and implement compliance procedures

Pre-underwrite loans, clear loan conditions, communicate with loan underwriters

Trouble-shoot loans and loan approvals, limited loan origination 2000 - 2001 River City Bank Louisville, KY

Bank Representative

Loan Processing

Open and process new accounts

Customer service and teller functions

2000 – 2000 Caesars Hotel and Casino Elizabeth, IN Operations Accounting Associate

Conduct daily audit of food and beverage revenue centers and operations Communicate with and report to management regarding compliance regulations

Balance food and beverage revenue center reports

1999 – 2000 ARM Financial Group Louisville, KY

Corporate Tax Internship

Complete various state and local tax returns, estimate quarterly taxes due Create work papers and spreadsheet documents to support Federal Tax Returns

Communicate with various state and municipal agencies regarding compliance issues

Special Skills Wide range of computer skills including, but not limited to Microsoft Office, Excel, Access, Fiserve, Docuview, Calyx, DU/LP underwriting systems, Datatrac, Docutec, excellent organizational and communication skills, problem solving, ability to multitask, excellent work ethics and strong desire to succeed. I am a very detail oriented person with strong analytical skills. I work well under pressure and within a team environment. Excellent customer service skills.

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