Credit Analyst, Underwriter, Mortgage Processor, Operations Manager

PROCESSOR | OPERATIONS MANAGER | BOOKING COORDINATOR |CREDIT ANALYST

INDUSTRY PREFERENCE: MORTGAGE LENDING

Forward thinking, versatile, and multi-skilled professional offering in depth understanding of equity and fixed income investment management, processes, methodologies, and concepts. Background includes conventional and FHA lending experience, as well as analysis of financial/ economic data and supporting capital market and investment selection decision-making. Adept at developing and implementing operational risk management frameworks, recommending effective strategies that could minimize loan defaults exposure and increase insurance cost, and proposing plans in securing mortgage company. Combined financial leadership with sound business practices to ensure bottom-line revenues and total customer satisfaction. Known as a change agent in providing solutions to complex problems with combined leadership, communication, and interpersonal skills. Proficient in various software applications (Microsoft Excel, Word, and Outlook) and expertise in Desktop Decision Engine Underwriting.

AREAS OF EXPERTISE

REGULATORY COMPLIANCE - RELATIONSHIP NETWORKING - STAFF TRAINING AND DEVELOPMENT

VENDOR MANAGEMENT - STRATEGIC PLANNING

CERTIFICATIONS

- Analyzing Assets, Collateral, Credit and Risk, and Income for Underwriting

- Solution Selling

- Foundations of Leadership and Management

- Windows Fundamentals

- Fraud Awareness and Detection, HMDA Policy and Procedures

- Compliance Essentials

- Leading People

- Customer Identification Program

- MAGIC of Customer Relations

- Effectively Selling Over the Phone

- Evaluating Appraisals

- Fair Credit Reporting Act

- Title and Property Reports, and Verifications

- Fair Lending

- AUS (Automated Underwriting System)

- Processing 101

PROFESSIONAL EXPERIENCE

CITICORP TRUST BANK, FSB - NEW YORK, NY: 2000-PRESENT

OPERATIONS SUPPORT UNIT SUPERVISOR 2006-2009

Provided supervision to small operations support team of 7-10 clerical/support employees; held accountable for directing, training, and developing processing team consisting of seven processors and one service representative to ensure conformity with all company initiatives and to meet all applicable business goals. Identified and resolved any issues that arise associated with uncommon variations that create great impact to broader organization. Reviewed and assessed subordinates performances to be recommended for salary increases, promotions, and terminations. Prospected new staff to fill staffing issues and to ensure sufficient staffing according to operational needs. Devised and implemented new workflow procedures. Administered file reviews and work list management on a daily basis, including monitoring employees in terms of call quality and accuracy. Conducted performance evaluations and salary promotions on a monthly and yearly basis. Utilized learned coaching techniques to further expand employee’s performance and development. Evaluated the file, approved all documentation, and transferred the file to another processor in order to close loan when a processor was out of the office.

- Answered escalation calls with outside clients, and resolved any issues that might arise in a professional manner.

- Established and maintained positive relationships with key vendors and brokers.

- Created and pioneered new product initiatives, and retained high levels of efficiencies and production while supporting the pilot programs.

- Successfully improved customer acceptance to close efficiencies average, from 36 days down to 16 days in 2008.

- Acquired the best processing team output for the year 2008 for closing a total of 2800 loans, positioning the company as #1 nationwide.

LOAN PROCESSOR III | SENIOR MORTGAGE PROCESSOR 2002-2006

Accomplished multiple specialized assignments with limited complexity. Provided training to lower level and new processors; conveyed complicated information with customers and internal staff. Managed the gathering and maintenance of all completed titles, appraisals, and income documents; cleared titles by contacting previous lien holders as needed; called tax offices to clear tax sales and delinquent quarterly taxes; as well as verified correct vesting. Studied and evaluated appraisal reports to guarantee consistency and accuracy in compliance with CTB and Fannie Mae guidelines. Coordinated and contacted appraisal company when changes were needed. Computed monthly income and ensured that all pay stubs and w2s were legitimate. Answered phone calls to address and direct all questions posed by fellow co-workers to upper management. Reviewed all facets of loan commitment to client and answered all questions to organize loan closings. Finalized loan approval through the use of AUS function.

- Built and upheld good rapport with Primerica Representatives/ Brokers.

- Effectively trained new employees regarding rules and regulations required to become processor for CTB.

- Commended as Top Processor of the Month in five consecutive months from 2002 to 2006.

- Successfully originated processing record of loans over one month at 78 units, and maintained 15-day turnaround time over 23 days to close a loan.

BOOKING COORDINATOR 2001-2002

Negotiated and booked contracts in numerous receivables and throughout multiple branches and facilities. Resolved the most complex issues when performing job functions, and escalated them to higher levels as required. Rendered assistance to dealers and account officers to meet customer’s needs. Received loan files to be appraised and booked through maestro and DE systems. Wrote loan paperwork for accuracy and sent them through email, UPS, or FedEx in accordance to state requirements. Received, signed, and reviewed loan documents to ensure that all documents were properly signed and notarized. Checked and ordered office supplies and cut checks for all company expenses. Completed daily report logs for all departments to be distributed through email. Completed outgoing phone calls to client to make sure checks were received and all questions were answered.

KELLY SERVICES -Troy, MI

OPERATIONS SUPPORT UNIT SUPERVISOR 1998-2000

Performed job duties utilizing 10-key skills and different office equipment. Endowed basic level of support under direct supervision to execute data entry responsibilities.

EDUCATION

ASSOCIATE’S DEGREE IN BUSINESS ADMINISTRATION, 2009

BUSINESS MANAGEMENT MAJOR (92 credits attended)

BUCKS COUNTY COMMUNITY COLLEGE, NEWTOWN PA

HARVARD BUSINESS MANAGEMENT

Assessing Performance, Giving and Receiving Feedback, Leading and Motivating, and Coaching

PROFESSIONAL TRAININGS

Business Management-Assessing Performance

Giving and Receiving Feedback

Leading, Motivating, and Coaching People

Citicorp Trust Bank Seminars on Solution Selling and Leading People

AWARDS AND HONORS

Chairman Forum Award, 2003-2005

Employee of the Month Recognition, 2000-2005

Top Processor of the Month, 2002-2006

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