Credit Analyst

|[pic] |Qualifications Profile |[pic] |

Results-oriented professional with over 12 years of distinguished career in

banking and finance industry, and a solid reputation for analyzing

financial statements and income. Exemplify knowledge in maximizing

financial opportunities, conducting audit compliance, maintaining strong

client relations.

. Able to multitask within fiercely competitive and fast-paced

environments, without compromising the quality and timely completion

of projects.

. Demonstrate proficiency in preparing and compiling a wide array of

financial documents, records and files with high degree of

confidentiality, quality and accuracy.

. Highly ethical and trustworthy in handling all work-related projects,

contributing immediately to corporate financial goals and

organizational objectives.

|[pic] |Areas of Expertise |[pic] |

|Accounting and Financial |Investor and Analyst Relations |

|Credit Analysis and Reporting |Financial Compliance and Standards |

|Time Management and Prioritization |Client Relations and Negotiation |

|Risk Management |Strategic Growth Management |

|[pic] |Education |[pic] |

Bachelor of Business Administration in Finance: May 2012

University of Houston Downtown ( Houston, TX

| GPA: 3.6 | The International Honor Society Beta Gamma Sigma

Relevant Coursework: Financial Accounting | Managerial Accounting | Small

Business Finance | Money and Capital Markets | International Finance |

Financial Planning | Investment Analysis | Portfolio Management

|[pic] |Internship Experience |[pic] |

Summer Internship on Business Development | American Checked Inc., Tulsa,

OK | Jun-Aug 2011

. Designed and implemented the customer satisfaction survey.

. Evaluated key financial data and authored reports and graphs with

focus in sales, revenue, and production.

. Ensured accuracy and preciseness of reports and graphs on sales

revenue and production.

|[pic] |Professional Experience |[pic] |

Loss Mitigation underwriter | Franklin Bank, Houston, TX | 2008

. Contributed strategic insights in reducing financial losses of bank

owned loans and loans serviced for investors.

. Worked collaboratively with borrowers in various stages of defaults

regarding negotiation activities.

. Performed credit risk analysis and made decision regarding

deficiencies identified during the review.

. Provided a complete audit of the borrower's account, expertly advising

the borrower of opportunities to avoid default and foreclosure

proceedings.

Loan Processor/ Jr. Underwriter | Self-employed, Houston, TX | 2006-2008

. Extensively ran automated underwriting systems DU/LP to generate

conditional loan approvals.

. Recovered documents from borrower and proficiently reviewed them for

accuracy, authenticity, appropriate signatures, to clear conditions.

. Assessed credit reports, payment history, and income documentation to

calculate applicable debt ratios, and determine creditworthiness.

. Maintained direct involvement with multiple parties, including loan

officers, title companies, and appraisers to ensure closure of the

loan in an accurate and timely manner.

Senior Loan Processor | Elend Mortgage LLC, Houston, TX | 2003-2006

. Solely processed Federal Housing Administration (FHA), Veteran Affairs

(VA), and conventional mortgage loans in adherence with regulatory

requirements.

. Assumed full accountability in boarding and closing 30 to 40 loans per

month on Calyx Point software system.

. Requested the required supporting documents in the completion of key

loan process.

. Rendered administrative support to office staff members, and training

and assistance to all new loan processors.

Loan Underwriter | Ameriquest Mortgage Company (AMC), Houston, TX | 1999-

2003

. Manually underwrote and approved 40-60 loans monthly for a three-year

period.

. Analyzed financial statements, tax returns, cash flows and bank

statements to render sound credit decision.

. Performed credit risk analysis and appraisal review on conventional

loan files submitted within the time frame established.

. Provided exemplary customer service to both internal staff and

external customer by explaining credit decision and offering

alternative options when needed.

| |Earlier Career |[pic] |

Insuring Specialist (Contract Assignment) | Group Millennium, Houston, TX |

1998-1999

Loan Processor (Contract Assignment) | Robertson & Anschutz, P.C., Houston,

TX | 1997-1998

Loan Specialist | Bank One, Houston, TX | 1996-1997

Bank Teller | Bank of America, Houston, TX | 1996

|[pic] |Activity |[pic] |

Volunteer, Boys & Girls Club

|[pic] |Technical Acumen |[pic] |

Microsoft Office Applications (Word, Excel and PowerPoint) Calyx Point

SAP

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