Senior Financial Services Professional with Mortgage Expertise

CHERRONDA NICHOLE BALDWIN

DeSoto, TX • 404-***-**** • ****************@*****.***

PROFESSIONAL SUMMARY

Results-driven financial services professional with over 15 years of experience across mortgage operations, underwriting, credit analysis, banking operations, and business analysis. Proven ability to manage complex loan transactions, support system implementations, and drive operational efficiency through process improvement and cross-functional collaboration. Recognized for strong analytical skills, regulatory expertise, and a customer-focused approach in fast-paced environments. Committed to continuous professional development within financial services and technology-enabled operations. CORE COMPETENCIES

• Mortgage Processing & Underwriting

• Credit Analysis & Risk Assessment

• FHA, VA, FNMA, FHLMC Guidelines

• LOS & Mortgage Fulfillment Systems

• TRID, RESPA, TILA Compliance

• Business & Technical Analysis

• Process Improvement & Implementation

• Quality Assurance & UAT Testing

• Banking & Treasury Operations

• Stakeholder & Vendor Collaboration

TECHNICAL SKILLS

• Encompass, Loan IQ, Vesta

• AUS / GUS / LP

• JIRA, UAT, Beta Testing

• Linux

• Google Workspace

• Document Imaging & Records Management

PROFESSIONAL EXPERIENCE

Imaging Specialist

Iron Mountain – Dallas, TX

September 2025 – Present

• Prepare and process hard-copy records for digital imaging in accordance with company standards.

• Scan and validate electronic images to ensure quality, accuracy, and compliance.

• Maintain detailed production documentation and tracking logs.

• Adhere to imaging center policies, security protocols, and clean workspace standards. Business Support Analyst

PennyMac – Dallas, TX

September 2025 – December 2025

• Provided operational support for mortgage fulfillment systems, including LOS and third-party applications for compliance, imaging, closing, and funding.

• Monitored system performance and resolved production issues impacting loan timelines.

• Analyzed system defects and data discrepancies, coordinating resolution with IT teams and vendors.

• Supported system releases through testing, validation, and post-implementation activities.

• Partnered with Processing, Underwriting, Closing, and Funding teams to identify workflow improvements.

• Ensured system configurations aligned with regulatory requirements and investor guidelines. Business Analyst

Truist Bank – Remote

July 2022 – August 2024

• Served as primary liaison between clients and internal teams during implementation initiatives.

• Managed risks, issues, and milestones while ensuring compliance with Treasury Management agreements.

• Delivered tailored solutions supporting client onboarding and merger and acquisition strategies.

• Improved operational workflows through process analysis and stakeholder collaboration. Credit Analyst

Fifth Third Bank – Remote

July 2020 – June 2022

• Coordinated between underwriting and processing teams to manage loan pipelines efficiently.

• Reviewed and cleared loan conditions prior to closing to ensure compliance and accuracy.

• Contributed to process improvement initiatives and team training efforts. Underwriter

American Mortgage Consultants – Remote

November 2019 – March 2021

• Reviewed loan files for creditworthiness and compliance with TRID and regulatory standards.

• Evaluated income, assets, and credit documentation to assess portfolio risk.

• Documented underwriting decisions and loan conditions clearly and accurately. Technical Business Analyst

Fiserv – Hybrid

January 2018 – March 2019

• Acted as liaison between business stakeholders and technical teams to define requirements.

• Configured LOS tables and web tools in accordance with customer documentation and best practices.

• Identified, documented, and escalated risks related to system configurations.

• Developed and executed functional test cases to ensure system accuracy and performance.

• Supported system integrations and resolved production issues through root cause analysis. Operations Specialist III

Bank of America Merrill Lynch – Atlanta, GA

June 2017 – January 2018

• Managed syndicated loan lifecycles using Loan IQ, including servicing, payments, and reporting.

• Ensured accurate booking of commercial loan terms and compliance with regulatory standards.

• Generated portfolio performance and risk reports for senior leadership. Underwriter

Infinity Data – Remote

November 2016 – June 2017

• Conducted due diligence reviews of mortgage loan files for compliance and risk assessment.

• Evaluated borrower financial documentation and identified discrepancies or fraud indicators.

• Ensured adherence to RESPA, TILA, and Dodd-Frank regulations. Due Diligence Underwriter

Clayton Holdings LLC – Remote

April 2016 – November 2016

• Reviewed conventional and government-backed loans for quality control and compliance.

• Collaborated with loan officers to resolve documentation issues and improve processing timelines.

Partial Release Processor

Bank of America – Plano, TX

September 2012 – November 2015

• Managed complex loan documentation and partial release requests.

• Ensured compliance with federal lending regulations and internal policies.

• Maintained consistent communication with borrowers and internal stakeholders. EDUCATION

University of Phoenix

Bachelor of Arts – Business Management (In Progress) Lake Highlands High School

Diploma

REFERENCES

Available upon request

Contact this candidate