Funding Analyst
Resume:
***** ***** *** ****, ************, GA *****
**********@*****.***
Roeung Tracy Sao
Objective
To gain employment opportunities and to secure a rewarding position within your organization. My goal is to provide strong and positive influences for a company that strives for excellence.
Skills and Qualifications
Microsoft Office Suite, Internet savvy. Calm under pressure: meet deadlines, proven problem-solving skills. 5+ year experience in finance indirect lending company. Strong communication skills. Strong business application skills. Good computation skills. Excellent accounting skills. Good written and verbal communication skills. Willingness to learn. Excellent customer service skills. Energetic, patient and diplomatic. I am also bilingual. Loan processing. Loan underwriting. Good numeracy and literary skills. The ability to make prudent business-focused recommendations. Skilled at credit and financial study. Capable of analyzing of financial statements. Ensuring Company credit policies and procedures are adhered to. Exceptional research, analysis and accounting abilities. Thorough knowledge of banking principles, regulations, procedures and functions. Proficient with concepts and terminologies related to finance and economics.
Experience
Atlanta, GA Credit Union Loan Source 2006-Present
Funding Analyst
• Underwrite products such as personal installment loans for an indirect lending company. Independently performed financial analysis on borrowers. Underwrite loans according to company standards and review submitted files to analyze for ability, stability, willingness and collateral. This includes ensuring that loan requests meet program and product specifications or counteroffer to a different product and/or program when appropriate. Interact daily with automotive dealerships and gather information needed to make appropriate credit decisions with the ability to explain the rationale behind credit decisions made to dealerships • Review, analyze and underwrite complex auto loans within company guidelines. Review and decision up to 50 applications on a daily basis with the goal of same day turnaround time. Review financial statements, credit reports, applicable debt ratios and loan-to-value ratios in order to make credit decisions that mitigate future risk for the company. Effective communication with dealership body to build strong relationships. Reviewed loan documents (i.e. Check stubs, bank statements, mortgage statement, living expenses, and any other paperwork needed to complete the loan.) and evaluated debt to income ratio ensuring the soundness of the loan
• Conversing with auto dealers throughout the country and negotiating terms and conditions of approvals. Also, providing quality customer service to all participating dealerships. Attending monthly meetings with management on the progress of dealers and territory development. Performs credit decisions utilizing credit analysis, credit bureau scoring, and credit policy for indirect lending. Enter the Contract into the system; verify accuracy of all material information on the credit application and all other documents from dealerships. Verify rates and terms on contracts to loan structured to system. Verify signatures on all paperwork and driver’s licenses. Review auto finance loan contract packages against checklist in applicable on-line booking system; use independent analysis and exercise judgment to determine if applicable standards are met; identify contract package irregularities, utilize available resources for resolution; address missing stipulations from dealerships accordingly prepare packages for return to dealer for corrections; communicate relevant issues to Credit Manager and escalate appropriate issues to supervisor; provide application entry and processing support for instant credit applications; conduct 100% quality audits on contracts booked today; balance contracts to database reports; ensure all systems have been updated . Approve contracts in system to fund the loan.
Morrow,GA Southlake Mortgage Company 2005-2006
Office Coordinator
• Performs general administrative responsibilities includes answering phones, coordinating and scheduling appointments and other meetings, interfacing with management and management assistant, preparing correspondence and reports and also coordinating traveling arrangements. Reads and routes all incoming mails. Greets scheduled visitors. Processing and proofreading all application for mortgage loans. Processed loans for Loan Officers and Management. Obtaining and submitting credit reports. Proofreading every applications and documents for accuracy before submitting to Processor or Loan Officers.
• Ordering and maintaining office supplies and equipments. Coordinates equipment maintenance with vendor or support staff. Assist all levels of staff with the most effective use of software applications. Administer and review all new hire, termination and payroll paperwork and forward to Corporate for processing.
• Supervises office activities to achieve maximum expense control and productivity. Developed procedures and policies for office activities, such as filing, records maintenance, faxing and mailing out correspondences. Maintain vendor and customer contacts. Monitor and process accounts payable and forward to Corporate for payment
Education
Atlanta, GA North Clayton High School
• Diploma Received 1997
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