LOAN SPECIALIST:

Presently serving as a Business Control Specialist,ensuring compliance with established internal control procedures and regulations by examining records, operating practices, and documentation. Served as a Loan Officer for the U.S. Small Business Administration, processing and underwriting home and business loans for diverse social and economic levels. Provide quality customer service and detailed product knowledge to applicants while planning, organizing and completing tasks efficiently, with extreme versatility. Tactful and diplomatic in high-pressure, multi-task situations: handling customer issues with positive results. Able to adapt to rapidly changing conditions, priorities and deadlines.

PERSONAL ACHIEVEMENTS:

• Recognized as the second top-producing Loan Officer in the Department for 2009.
• Personal production for originals and loan modifications was 324 files for 2010, which includes 13 loan modifications and 311 original loans with an approval rate of 67% compared to the department average of 41%.
• Acknowledged as the top-producing Auditor in my unit for 2011.

TECHNICAL SKILLS:

• LPS/MSP, SharePoint, AS400, LAMP, Home Saver, Home Base, IPORTAL, Disaster Credit Management System, National Emergency Management System, 10-key by touch, 45 wpm, Microsoft Office and Windows OS 95/98/00/NT, Word, Excel, PowerPoint, and other proprietary programs

Professional Experience:

Confidential, 2/2012 Present
In Line Quality Assurance / Business Control Specialist
Dallas, TX 75202

• Ensure compliance with FHA policies and procedures in an internal control environment.
• Collect and analyze data to detect income discrepancies, duplicated effort, fraud, and non-compliance with laws and bank regulations.
• Assist team with meeting 24 hour Service Level Agreement (SLA) audit deadline as set forth by Production Leads.
• Communicate complex findings to senior management and draft comprehensive and complete reports of audit results.
• Voluntarily take on special projects as needed by Team Leads/Management.

Confidential,11/2011 2/2012
OCC Consent Order Researcher
Dallas, TX 75234

• Examine foreclosed loans during the File Review and/or Claim Review process, to determine if all required loss mitigation activities were handled and documented in accordance with the requirements of HAMP, proprietary modification or other programs\' requirements (in effect at the time of the Foreclosure process), prior to making the final foreclosure determination.
• Ensure that all required processes and procedures were followed; system of record notated, documentation available/imaged and appropriate borrower communication (verbal and written) was performed accordance to Internal Operating Procedures.
• Complete Claim Review and perform Harm Evaluation according to Promontory/OCC definitions: Determine if Borrower / Customer has a valid claim. Determine if there was financial injury to the borrower or the mortgagee.

Confidential, 10/2005 10/2011
Loan Specialist, Disaster Reservist
Fort Worth, TX

• Recruited as part of a work force of finance professionals to process and underwrite Federal disaster loans to businesses, renters, and homeowners physically or economically affected by natural disasters, approving millions in disaster loans.
• Rated top 10% of staff in loan processing production, while processing and underwriting home, rental, business and economic injury loan applications at the original, reconsideration, and appeal level.
• Occasionally selected by management to train new hires.
• Responsible for managing a large pipeline of loans under tight deadlines including performing credit analysis on both business and residential loans of up to $2 million for businesses and $240,000 for residential loans.
• Verified occupancy, eligibility for different loan programs, and all sources of income to determine debt to income ratios.
• Reviewed consumer and business credit reports and investigated various credit issues such as Federal and State tax liens, judgments, Chapter 7/11/13 bankruptcies, and derogatory credit accounts which resulted in sound underwriting decisions.
• Drafted loan authorization agreements establishing terms and conditions, including collateral, use of proceeds, insurance requirements, and other conditions of the loan.
• Reviewed files for completeness, eligibility, accuracy, and compliance of standard operations and procedures.
• Securing loans with recorded deeds of trust/mortgages against real estate.
• Modify approved loans for possible refinancing, increases, relocation requests, and adverse changes.
• Often transitioned from processing originals to Reconsiderations and Appeals to loan modifications to assist with the workload due to my flexibility.

Independent Loan Officer 06/2004 10/2005
Houston, TX

• Promoted business by developing relationships with new and existing realtors, borrowers and builders.
• Pre-qualified and interviewed potential borrowers.
• Provide information to borrowers and related parties about loan options, documents, market conditions and other requirements necessary to close the loan.
• Analyzed and reviewed new loan guidelines, updates, programs and changes.

EDUCATION: Confidential