Syed Noorul Jalil

Fresno CA *****

209-***-****

adz421@r.postjobfree.com

Financial Professional-Real Estate Lending/Asset Financing/Working CapitaL Finance and banking professional with portfolio quality assurance and loan package experience. Possess credit assessment skills supporting decision making on wide array of loans for business clients and high net worth individuals. Offer loan process improvement and documentation experience facilitating efficient error free processing. Skill Highlights

Financial Analysis Credit Worthiness Determination Business Analysis RESPA Compliance Collateral Analysis Cash Flow Underwriting Financial Structure Review Personal/Business Financial Statement Loan Servicing Loan Application Processing Loan Agreement Verification Competitive Analysis Experience:

Adecco Staffing 2022-

Underwriter Specialist

• Provided innovative insurance products and financial solutions for Residential and Commercial real estate professionals as well as their residents and tenants.

• Developed innovative solutions that reduce risk and uncertainty in the leasing process when it comes to renting spaces.

• Developed tools to remove obstacles that can identify opportunities involving quality prospects while protecting everyone’s investment.

Platinum Mortgage, Fresno, CA 2019-2021

HELOC and Underwriter Consultant

• Reviewed credit worthiness and collateral of loan applicants and conducted risk assessments.

• Analyzed financial statements, credit reports, appraisals and tax returns.

• Summarized and condensed information in support of credit decision conclusions.

• Identified differences between HELOC and Mortgage underwriting systems allowing concurrent underwriting of both products by underwriters with IT team. Protiviti/Wells Fargo Mortgage, Lombard, IL

Mortgage Compliance 2015-2016

• Reviewed mortgage loans compliance testing with HMDA regulations.

• Reviewed processor and underwriter notes regarding the status of the application and customer interaction.

• Determined the proper disposition for the loan (e.g. approved, not accepted, withdrawn, denied) based on specific scenarios.

Dovenmuehle Mortgage, Lake Zurich, IL 2013-2014

Collateral Analyst/Loss Mitigation Specialist

• Reduced loss to investor and the homeowner and made every attempt to prevent a loan from going into foreclosure.

• Reviewed workout packages and verified if homeowner has a legitimate hardship.

• Evaluated the financial position of the mortgagor to determine the appropriate workout option best suited for the situation.

• Reviewed mortgagor income and expenses, income tax returns, balance sheet income statements for self-employed borrowers and credit reports.

• Completed modification/forbearance agreements or provided required information to attorneys for preparation.

• Evaluated Broker Price Opinions and appraisals to assure adequate collateral of security instrument is maintained, or the maximum value is received for the repayment of the debt in case of a pre-foreclosure sale.

• Monitored the collateral of clients with asset-based loans serviced by the credit department.

• Reviewed title searches for liens, current real estate tax information or encumbrances which could pose a potential problem.

• Negotiated terms of the various workout alternatives with mortgagors, real estate brokers, attorneys, MI companies, Fannie Mae, Freddie Mac, FHA/VA private clients.

• Updated the Loss Mitigation Workstation as required for each individual workout, updated excel pipeline spreadsheet.

• Provided documentation to Investor Accounting department and Customer Service department to reflect modified terms and produced new coupon books, statements. Guaranteed Rate Mortgage, Chicago, IL 2012

Mortgage Underwriter

• Underwrote Conventional, loans by following lender guidelines.

• Reviewed and signed off on credit, income, asset documents, title policy, and appraisals.

• Underwrote loans using multiple lender guidelines and requirements.

• Used Fannie Mae/DU, Freddie Mac/LP guidelines and Automated underwriting Systems.

• Approved and rejected loan applications based on underwriting guidelines.

• Analyzed appraisals, credit reports, income documentation, and mortgage application for compliance with Regulation B and C.

Acted in full compliance with all policies, directives/procedures and external regulations to protect company’s assets.

• Ensured communication of the reason for the decline to customer is accurate, and in compliance with HMDA.

SS&C Technologies, Windsor, CT 2008-2011

Accountant

• Prepared Position, Cash reconciliation statements, reconciled any discrepancies between banks and advisor ware position.

• Prepared Balance Sheet, Profit/Loss statement, Income Statement to summarize current and projected financial information.

• Applied accounting principles to analyze financial information and prepared reports.

• Compiled, analyzed information to prepare journal entries to accounts in general ledger.

• Prepared reconciliation statements using Microsoft Excel. Education:

Master of Business Administration, Finance

University of New Haven, New Haven, CT

Bachelor of Business Administration, Marketing

Associate in Accounting, City College of Chicago

Technical Skills:

Microsoft office (Access, Excel, Word, Power point, Teams), Skype, Slack, Hub Spot, Zoom, and Quick books.

Certifications:

Certified Cisco Network Associate (CCNA)

Certified Cisco Network Professional (CCNP)

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