Financial Analyst Customer Service

OBJECTIVE

To join a prestigious financial company that will allow me to utilize my years of experience in the mortgage industry and continue to challenge me. I would like to grow more in my career and assist the respective companies in growing and increasing profitability. I possess strong interpersonal and analytical skills, which have allowed me to work well with others and meet daily deadlines.

Linked In: https://www.linkedin.com/in/david-clarke-12b10539/

EXPERIENCE

Licensed Medicare Sales Agent Complete Health https://www.completehealthadvisors.com/ August 2023 to April 2024 & June 2024 to current

* Licensed Health insurance Agent in over 20 states who markets and sells company related products to potential clients.

* Perform customer service, administrative and account maintenance for current members who need assistance and guidance with their Health, dental and vision plans.

* Have a current 2025 FFM and all the necessary equipment for remote work

*Brokered transactions with various top health Insurance carriers on numerous programs from ACA to Medicaid to ensure the ideal fit for clients on hand.

Mortgage Underwrite / Financial Analyst Bank of America https://www.bankofamerica.com/ June 2016 to March 2023

*Underwrite various conventional residential loans from conforming to non-conforming jumbo loans with an authority level up to $2 million dollars.

*Analyze W-2’s, Bonus and Overtime income, Schedule C, 1120S, 1120, 1065 and passive retirement benefits to determine qualified income. Analyze IRA, 401k and equity derived holding accounts to determine qualified assets.

*Perform mitigation of risk for lender’s portfolio loans by examining and scrutinizing the overall profile of each applicant via credit, collateral, income, assets and other various important conditions.

*Work with a diverse risk management team on various occasions on test projects to determine the most conducive and beneficial way of streamlining the overall loan process from application to closing.

* Utilized the lending software I-fulfill through the origination process

Senior Mortgage Underwriter/SME Digital Risk LLC April 2009 to May 2016

* Reviewing complex income documents ranging from annuities, rental income, interest & dividends, self-employment, partnership & S-Corps. Calculated income using FNMA form 1084 and FHLMC 91

* Responsible for analyzing credit, capacity, and collateral in accordance with established policies and procedures. As well as provide high quality, detailed written findings using clear, concise writing skills.

* Obtained lending authority for loans up to $750,000, as well as withdraw & turndown authority for when loans do not meet the clients’ standards. And displayed a thorough understanding of Fannie Mae and Freddie Mac underwriting guidelines and investor overlays.

* Managed a small group of Underwriters as a SME (Subject Matters Expert) in assisting them to meet their monthly goals by training/coaching and providing direction in answering their questions as well as conducting manual overrides.

* Underwrote loans for NACA which is an affordable housing program that promotes economic justice through homeownership. Applied overlapping BOA guidelines that allowed no down payment, closing cost fees and a below market interest rate.

* Utilized the lending software Encompass through the origination process

REO Sales Associate/Manager Ocwen Loan Servicing March 2008 to March 2009

* Developed & implemented strong Marketing strategies to promote the sale of bank owned homes throughout the country.

* Conducted price negotiation, net budgeting, profit analyst and daily follow ups with realtors, title/ escrow & foreclosure attorneys.

* As a manager I was responsible for directly supervising a team of 8 associates by conducting meetings, ensuring adequate staffing & establishing goals & objectives

Processor & Junior Underwriter First Magnus Financial December 2004 To August 2007

* Assess loan attributes and documentation for soundness and accuracy to meet investor and secondary market standards. Had a loan authority of $417,000.

* Review credit applications, credit bureau information, collateral valuation, tax returns, financial statements and other documentation and produce high-volume & quality output.

* Accurately evaluate loan characteristics with respect to exceptions, compliance/ fraud issues and document deficiencies through DU, LP, AUS or manually.

EDUCATION

Bachelor’s Degree, Accounting Florida Atlantic University https://www.fau.edu/ April 1997 to April 2002

Mortgage Loan Originator NMLS #1174630

Member of NAMU (National Association of Mortgage Underwriters)

Received TRID training and is currently updated with Dodd-Frank Reform Act

Tax preparer certification with Jackson Hewitt

Proficient in the use and applications of Microsoft: Word, Excel, PowerPoint, Access, Publisher and QuickBooks

Worked in numerous AUS systems including DU, LP, zippy and ACAPS, as well as conducted several manual underwrites for agency as well as portfolio loans. I have a strong comprehension of FHA, FNMA, FHLMC and other investor guidelines

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