Business Development Risk Management

Susan L Rall

*****.****@**********.*** / Cell: 408-***-****

LinkedIn: HTTPs://www.linkedin.com/in/suzette-rall-99539729a

Professional Healthcare Recruiter with extensive experience in the Mortgage industry and supportive services. Demonstrates strong skills in risk management, underwriting, and healthcare recruitment, with a proven ability to analyze financial data and maintain client relationships. Committed to leveraging a comprehensive understanding of loan operations and healthcare management to drive recruitment success and organizational growth. Demonstrates strong relationship building, management, and collaboration skills. Proficient in multitasking, time management, and meeting deadlines. Experienced in CFO-level operations for organizations of all sizes. Authorized to work in the United States for any employer.

Skills:

Business Development Management, VP of Operations, Financial Acquisitions, Dispositions, and Asset Management Advisory, Database Management, Medical Diploma.

Core Competencies: Leadership, Communication, Finance, Healthcare Financial Analysis

Experience: Regulatory Compliance: Knowledgeable in federal and state regulations.

Financial Analysis: Expert in assessing financial documents for loans.

Self-Employed Borrower Analysis: Certified in analyzing various income sources.

Integrity: Ethical handling of confidential data and lending decisions.

Knowledge: FNMA, FHLMC, FHA, VA, USDA guidelines, and TRID knowledge.

Experience:

IHSS/Approved Supportive services (Temp) 5/2023- 08/2024

Provided essential care for a parent, enhancing their daily living quality

Facilitated healthcare access, improving support system.

Utilized problem-solving skills to address immediate needs.

Collaborated with healthcare professionals for effective care plans.

Temporary opportunity in supportive services for a parent while looking for employment in the Healthcare and Mortgage field.

Mortgage Loan Ops/Loan NAMU-CMMU / A-Line Staffing Solutions 06/2021 - 04/2023

10+ years mortgage industry experience, Contractor for Aline Staffing with experience in Citizens Bank's mortgage loan operations analysis for PPP loan forgiveness. Responsible for reviewing and analyzing customer portfolios for business loans and startups.

Prepared and analyzed financial data related to new and renewal loan requests, working capital, loans for business startups, and business acquisitions.

Maintained client contact and resolved issues regarding new PPP loan documents required by the SBA.

Prepared operational and risk reports for management and underwrote files.

Collaborated with attorneys, SBA, USDA, and other legal resources to ensure accurate documentation protecting the financial institution's interests.

Commercial Regional Manager/Underwriter / NexusFunding123 10/2019 - 05/2020

Excellent communication and interpersonal skills with the ability to interact with internal and external stakeholders. Ability to communicate effectively and professionally, written and verbally.

Prioritization and Time Management, ability to plan and meet deadlines. Managed relationships with VA SAR/LAPP, USDA, and VHDA.

Worked with Fannie Mae Desktop Underwriter and Freddie Mac Loan Prospector.

Commercial Underwriter / S&D Secured Investments LLC - San Jose, CA 01/2005 - 01/2018

CEO and Chairwoman: International finance and marketing connections with green energy traders.

12 years in underwriting and consulting for commercial projects.

Collaborated with high-net-worth clients to generate an approved $500M Letter of Credit.

Underwriter for financial analysis approved lines of credit for Commercial projects up to $130M, approved $3.3M.

Healthcare Recruiter / Power personnel - San Jose, CA 06/2012 - 09/2012

Conducted comprehensive reference checks and background investigations to ensure the hiring of qualified employees.

Company contracted with Stanford Hospital: Recruited 62 Registered Nurses, 25 Certified Nursing Assistants, 20 Medical Assistants.

Reviewed employee records for complete reference checks, employment history, required licenses, and conducted CORI checks. Maintained personnel files confidentially in accordance with State requirements.

Met with all new employees individually to review the hiring packet, explain benefits, and complete necessary payroll enrollment paperwork.

WHOLESALELENDINGONLINE Burlingame, CA 2005 – 2006

Wholesale Account Executive: Successfully developed and signed contracts with 97% of broker relationships in Silicon Valley.

Extensive knowledge of investor guidelines and underwriting processes.

Achieved a 97% sign-up rate for Santa Clara Valley Mortgage Companies with WLO Wholesale Lending.

Mortgage Loan Officer / Bank of America - Sunnyvale, CA 2003/2004

Establish and cultivate relationships with real estate agents via LinkedIn, Facebook, and Twitter.

Coordinate home buyer classes in collaboration with agents every Thursday.

Create marketing flyers featuring real estate agents' photographs for local advertising campaigns. Assess applicants' financial status and creditworthiness.

Commercial Financial Acquisition Disposition Asset Management/ Los Gatos, CA 2000-2002

The Pinnacle Group

Conducted thorough analysis of client financial data to devise strategies aimed at achieving their financial goals, with expertise in F.H.A., V.A., U.S.D.A., Fannie Mae Plus, and Freddie Mac programs.

Clinical Healthcare Management/ Recruiter Fred & Mary Man Subi, M.D Los Gatos, CA 1990-2000

Successfully recruited new graduates from various institutions, primarily focusing on MA’s, RN’s, LVN, and trained staff in both front and back-office responsibilities.

Oversaw, supervised, and assessed the activities of various personnel, including medical, nursing, technical, clerical, service, and maintenance staff. Proactive problem-solver with adaptability to changing priorities, exhibiting a friendly demeanor and a strong inclination to assist others. Dedicated to delivering high-quality work.

Education and Training: Bachelor of Science in Business Management, Western Governor University-Continued.

Courses in California Real Estate Practice, Principles, and Finance, CA Realty Training, continued.

Certified Credit Repair Specialist. Certified Master Mortgage Underwriter (NAMU®-CMMU)

Certification in Mortgage Regulatory Compliance (NAMU®-CMRC)

Certification in Commercial Underwriting & Processing (NAMU®-CCUP)

Certification in Analyzing Personal Tax Returns, Income for Self-Employed Borrowers.

Additional Certifications: LAPP/SAR Underwriter, VA, FHA DE Underwriter, Dodd-Frank Roll Back

SAFE Mortgage Certificate in Loan Banking (NMLS ID 1060728)

Certification in Salaried Income Analysis and Completing Schedule C

Certification in Rental Income-Schedule E Analysis. Certifications available: Dodd-Frank Rollback, FHA Direct Endorsement, DE Underwriting, and LAPP/SAR Underwriter.

Specialized Certifications: De Anza College for pre-Requisitions in Nursing.

With over 15 years of experience in Facility Recruitment Management, Surgical Technology, Surgery, Scheduling, and Public Administration practices, including organization, budgeting, management analysis, supervision, personnel management, and organizational development, I bring substantial expertise to the field.

Graduated with an A.A. degree and obtained a Medical Diploma.

Certified in Blood Draws, Injections, Phlebotomy; First Aid, and Medical Administration. My experience encompasses management, unit clerk duties, UA urinalysis, CBC, blood pressure and vitals monitoring, and electrocardiogram (EKG). Operating Room Surgery Scheduler at a Plastic Surgery Center.

Graduated in 1992 with HI Set.

Software Proficiency: Microsoft Office 2020 (Word, Excel, Publisher, Access, Sway, PowerPoint), Medical Manager Software, Encompass, Pointe, Outlook 2020, Meditech Software, Epic Systems, Auto Click Profits, Net OX Software, Salesforce, SBA Portal, Okta, Calyx Point, Ellie Mae, DocuSign, LinkedIn Recruiter, Applicant Tracking System, Loan Origination Software, Google Suite, Adobe Acrobat, Microsoft Dynamics CRM, Zoho CRM

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