Quality Control Financial Services
Resume:
KRISTI WALKER
Desoto, Texas 75115
*********@*****.***
PROFESSIONAL SUMMARY
Performance oriented, focused individual who delivers consistent and professional work for every assignment. I offer over 14 years of experience in the banking/financial services industry and top-notch abilities in credit analysis, underwriting/auditing, decisioning recommendations for approval or denial; operational risks, and quality control. Excellent communication and writing skills, team player, analytical and problem-solving skills with the ability to work independently.
EMPLOYMENT HISTORY
SGS CONSULTING-American Airlines Federal Credit Union – Fort Worth, Texas
Member Services Representative – Operations Risk Team /SRU - March 14, 2024 – present (contract)
• Process incoming mail/ transactions on all types of share certificates (6-60 months and IRAs)
• Transfer certificates of maturity to checking/savings accounts per customer request
• Verify all share certificates are opened in accordance with departmental procedures
• Review daily maturity disbursement report; verify current share certificate rates are correct
• Assist Payment Collections Recovery Team in recovering charged off shares and loans;
• Remove $5.00 minimum balances, close dividend on accounts per spreadsheet report
• Transfer share balance to charge off account
• Close revoked accounts; recover charged off shares and loans
• Un-revoke revoked accounts back to General Membership, notate spreadsheet report.
CITY NATIONAL BANK - Los Angeles, CA
Credit Analyst II PPP (Underwriter/Auditor) - July 2021 to October 16, 2023 (Remote)
• Reviewed, audited and verified SBA PPP forgiveness loan application requests from $150K to over $2 million for multiple LOBs: Commercial Banking, Entertainment, Real Estate, Personal Business Banking, Specialty Banking, Credit Admin.
• Analyzed, verified and audited for completeness and or fraud risk, SBA loan applications and financial statements, with review of profit & loss statements; IRS tax documents, payroll reports, non-payroll expenses (utilities, rents, employer-paid health insurance and retirement costs)
• Completed Max Loan Calculation and determined if max loan amount supported actual PPP forgiveness loan amount.
• Interacted with Relationship Managers via Microsoft teams call and/or emails with professional content and verbiage to obtain missing documentation for the forgiveness credit analysis and loan recommendation; addressed client issues and concerns regarding the financial documents requested; referenced SBA guidelines, IFRs and FAQs for clarity.
• Contacted supervisor with escalating issues regarding loan term negotiations.
• Rendered final decision, forwarded forgiveness recommendation memorandum to Relationship Manager indicating approved, partial approval, or denied.
• Uploaded and submitted completed reviews to the SBA portal via Salesforce.
• Reviewed SBA portal for disbursed loans, additional financial documents, and entered payment corrections.
HIGHLIGHT TECHNOLOGIES - Washington, DC
(Small Business Administration-SBA)
Loan Processing Specialist (PPP) - May 2020 to July 2021 (Contract-Texas Remote)
• Reviewed commercial loans for SBA PPP forgiveness loans from $150,000 to over $2 million.
• Cleared hold flags and risks identified during review; verified business entity NAICS code.
• Verified borrower information via CAFS/CLS and ETRAN systems.
• Analyzed and verified forgiveness loan applications, financial statements (P&L), IRS business tax documents, and business payroll reports.
• Interacted with lenders by phone, emails and the SBA platform to obtain missing documentation for credit analysis review.
• Calculated PPP max loan amount and determined forgiveness amount.
• Recommended approval or denial of loan applications and entered decision into the SBA portal according to SBA guidelines and regulations.
TEXAS CAPITAL BANK - Richardson, Texas
Collateral Specialist - February 11, 2020 - March 20, 2020 (contract)
Monitor US Mail and Emails for Insurance Certificate renewals for Liability and Commercial Property Insurance documents and locate in Fields Tickler loan system;
Verify certificate renewals received have all required information indicated on the Acord certificates and verify they match Tickler system, i.e.; type of insurance (property, liability, Workman’s Comp, Business Personal Property-Vehicle, Equipment, Boat), Named Insured, collateral and address, policy limit, expiration date;
Verify Texas Capital Bank is listed as Mortgagee, Additional Insured or Loss Payee, and authorized signature is noted.
Enter certificate information, insurance agency name, expiration date and policy number into Fields Tickler loan system
Scan certificate to email and import into Nautilus.
Complete daily report for first and second attempts to request renewal certificates from insurance agents via email.
JP MORGAN CHASE – Lewisville, Texas
May 4, 2009 – August 30, 2019
Operations Sr. Specialist 1 (Customer Assist) - January 2012 – August 30, 2019
Second look quality review- analyze and monitor mortgage default loan applications and review customer financial documents for a complete package to push file to underwriting (USDA, VA, FHA)
Review and prioritize workflow for completeness, accuracy and compliance; document file for inconsistencies and list additional documents needed.
Calculate customer financial responsibility by verifying assets to determine account disposition
Escalate issues to manager.
Initiate appropriate missing items letters sent to customer and request required documents via Outlook.
Research and respond to internal inquiries from internal business partners via chat, email or system notification to resolve issues and missing documents; order third party services, and perform root cause analysis to ensure quality and accuracy.
Achieve work goals for productivity, quality and turn time.
Ensure all documents received are compliant according to investor guidelines
JP MORGAN CHASE - Fort Worth, Texas
Junior Underwriter I - July 2011- Dec 2011 (Department transition)
Calculate customer financial responsibility by collateral review and credit review to determine account disposition (FHA)
Review and analyze financial income documents; i.e; paystubs, self-employment Profit & Loss statements; benefits- SSDI, SNAP, VA /VA Education assistance; assets (retirement, rental income) perform income-to-debt ratios; document system of record.
Analyze red flag/ fraud issues; identify potential solutions; document deficiencies within the review
Review and analyze credit reports, verify assets to ensure compliance, completeness and accuracy according to guidelines
Display customer service excellence
Processor - January 2011-July 2011 (Department transition)
Review accurate customer identification and financial ability with attention to detail
Resolve document issues; communicate with customer and third parties regarding file status
Approve and close customer file according to policies & procedures.
Solicitor 1 - Loss Mitigation– (May 2009-June 2010-Irving, Texas)
Communicate with customers, attorneys, and third parties to evaluate customer financial ability for loan modification approval in a call center environment
Recommend and negotiate payment options
Collect accurate customer financial information in order to approve payment plans.
COMPUTER SKILLS
Microsoft Office: Teams, Outlook, Excel and Word
Salesforce, Symitar/Episys, FileNet, CAFS/ ETRAN
MSP, LenderLive, Default Workflow, Agent Desktop, Data Verify
InfoSource, I-Vault, Kroll, CMS, Nautilus, Fields Tickler, e-Oscar
e-Mail, chat, Webextender
OTHER SKILLS
Exceptional communication skills
Maintain confidentiality
Demonstrate and promote a positive team-oriented environment
Listen effectively and use time efficiently
CERTIFICATES/AWARDS
Leonard Hawes School of Real Estate, Real Estate: 2009 (License #0485436)
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