Grant Management, Mortgage Underwriting
Resume:
Emanuel Dearborne
Houston, TX.
Email: **********@*****.***
Mobile: 281-***-****
Work Experience
Grant Management Specialist
Small Business Administration/ODA
***** ******** **** **., *** Floor
Herdon, VA. 20171
August 6, 2020 – Present
Working hours: 7-3:30 pm. Normal workweek: 40-50 hrs.
Supervisor: Michelle Outlaw phone: 202-***-****
Administer agreements during the pre-award, active, closeout and auditing stages and ensures compliance with applicable laws, regulations, and policies. Work closely with Project Directors throughout the award process to ensure the ultimate transaction will accomplish the intended programmatic mission and continues such effort throughout closeout.
Underwrite financial conditions, business integrity, ability, and capacity of financial assistance applicant to manage Federal funds. Perform cost/price analysis of applications, modifies/amends, and closeout awards as necessary. Working knowledge of LexisNexis and Salesforce.
Provides administration of the portfolio including setting appropriate work priorities, applying knowledge of organizational needs and deadlines, and consistent follow-up to assure receipt of required documentation. Issues award notices and performs relevant tasks. Ensures that the awardee is in compliance with established administrative and financial policies, procedures and sound business practices.
Reviews grant applications for clarity and completeness. Provides advice and assistance in the development of criteria for evaluation of the grants. Negotiates, prepares and administers grants, interprets the impact of new laws and regulations, and carries out or assists with special assignments. Analyzing grants applications including making assessments of a prospective awardee's eligibility and financial viability.
Performs the administrative analysis and appraisal of applications for a full range of grants.
Checks reports of expenditures to ensure compliance with Federal government fiscal and
Administrative policies and regulations. Evaluates the reasonableness, adequacy, and the
Reliability of costs specified in the grant agreement’s financial documents.
Evaluates budget justifications and financial arrangements, including cost analysis, review of
accounting systems, adequacy of resources, acceptability of milestones, and techniques proposed to ensure responsible stewardship of funds. Participates in the negotiation of the budget, award period, and terms and conditions for grant awards. Advises applicants and grantees on financial and business management issues relevant to their applications. Participates in the evaluation of the appropriateness of budgetary requests, provides technical assistance, and assists in the resolution of administrative issues related to the application or award.
Mortgage Project Analyst
Cadence Bank
2002 Timberloch, Suite 600
The Woodlands, Texas 77389
December 2017 to August 2020
Working hours: 8-5 pm. Normal workweek: 40-50 hrs.
Supervisor: Sharon Geib phone: 281-***-****
● Monitor assigned operational projects including, recording of various tasks, recording assignment of resources and monitoring progress in order to effectively complete assigned projects, Wholesale Lending, SBA Loans, CRE and CRA.
● Maintain knowledge of products and services offered in the mortgage banking industry.
● Monitor assigned compliance projects including, recording of various tasks, recording assignment of resources and monitoring progress in order to effectively complete assigned projects.
● Develop and implement recommendations for specific policies and procedures for an effective Quality Control (QC) process. SME in fair lending and fair housing laws for financial institution.
● Create and implement procedures for financial audits concerning CRE and Consumer Portfolio.
Mortgage Compliance Analyst
Professional Alternatives - Cadence Bank
2002 Timberloch, Suite 600
The Woodlands, Texas 77389
May 2017 to December 2017
Working Hours: 8-5 pm Normal workweek: 40-50 hrs.
Supervisor: Ariana Morris phone: 713-***-****
● Performed quality compliance soundness review of loans samplings in process prior to funding.
● Analysis of Note, Mortgage and Assignment with emphasis on accuracy on a sample of loan files.
● Responsible for reviewing all closing documents and disclosures on a sample of loan files.
● Perform other duties and projects as assigned
Mobile Notary Signing Agent
BTM Solutions - Houston, TX Area
19326 Diamond Park Circle
Spring, Texas 77373
May 2013 to December 2017
Work hours vary Normal workweek: 50-60 hrs.
Supervisor: Emanuel Dearborne phone: 281-***-****
● Over 20 years in financial services industry, originating, servicing, underwriting residential mortgage loans (purchase, refinance, reverse, second liens - Helocs)
Mortgage Banker
Bridgeview Bank Mortgage - Houston, TX
7670 Woodway, Suite 162
Houston, Texas 77063
January 2016 to September 2016
Working Hours: 8-5 pm Normal workweek: 40-50 hrs.
Supervisor: Owen Ruan phone: 713-***-****
● Processed borrower credit, income, and asset information through using proprietary loan origination system
● Maintain in-depth knowledge of FHA, VA, HARP, and conventional loan programs
Partner
Allecon LLC - Houston, TX
908 Chestnut
Bastrop, Texas 78602
February 2009 to May 2016
Work hours vary Normal workweek: 50-60 hrs.
Supervisor: Emanuel Dearborne phone: 281-***-****
● Assist with the development and implementation of acquired mortgage division systems and software. Analyzing and resolving complex problems and interpreting complex financial statements.
● Maintain assigned projects according to project plans established by the Board of Managers and presenting notes to Board.
● Conducted face to face lender visits with individual lending institutions and Correspondent Lenders.
● Performed comprehensive research of state lending guidelines. Researched, compiled target database and established meaningful client relationships in a declining economic and housing market.
● Managed the development of targeted, efficient, high quality marketing, advertising and brochure-ware to promote lending channels.
● Analyze a wide variety of complex commercial loan applications characterized by varied and complex organizational and financial structures.
Account Executive
Orange Coast Title – Santa Ana, CA
14090 Southwest Fwy., Suite 308
Sugarland, Texas 77478
June 2011 to November 2011
Work hours vary Normal workweek: 50-60 hrs.
Supervisor: Jim Aurelio phone: 909-***-****
● Responsible for generating a new client base as well as maintaining current client base.
● Worked remotely from Home Office, marketing real estate agents, mortgage lenders, principals, etc. in order to bring new title orders.
Financial Advisor
Edward Jones
12555 Manchester Road
Saint Louis, Mo. 63131
November 2008 to February 2009
Work hours vary Normal workweek: 50-60 hrs.
Supervisor: Corporate phone: 800-***-****
● Acquired and deepen relationships with clients through comprehensive needs based selling of investment products within branch environment.
Vice President, Correspondent Lending
Franklin Bank - Houston, TX
9800 Richmond, Suite 600
Houston, Texas 77042
October 2003 to May 2008
Work hours: 8-5 pm Normal workweek: 50-60 hrs.
Supervisor: Daniel Cooper phone: 713-***-****
● Review servicing files and foreclosed loans to determine if all loss mitigation activities were handled and documented in accordance with HAMP (Home Affordable Modification Program).
● Responsible for underwriting mortgage credit lines for Mortgage Banker Finance Division and underwrite Correspondent applications. Making presentation to Board of Directors for Correspondent lenders and warehouse lenders for lines of credit.
● Responsible for TPO Marketing Initiatives, key milestones and budgets, and provided updates to leadership regarding project status and implementation of key initiatives.
● Monitored and reviewed corporate financials for approved assigned accounts.
● Responsible for developing loan policies and procedures, and performance monitoring systems for the agency’s loan programs.
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