|[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
. Able to multitask within fiercely competitive and fast-paced
environments, without compromising the quality and timely completion
. 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
|[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
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
. 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
. 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-
. Manually underwrote and approved 40-60 loans monthly for a three-year
. 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 |
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