SUMMARY:

• Motivated individual with seventeen years of experience in the financial industry, demonstrating a consistent track record of outstanding team compliance, stats and risk management audits.
• Equally strong qualifications in all areas of the mortgage industry including underwriting, loan processing, customer service, management and sales.
• Effective communicator, leader and problem solver with a drive to surpass goals.

CORE COMPETENCIES:

• Accounting Management
• General Ledgers
• A/P Payment Processing
• Management
• Financial Reporting
• Statement Reconciliation
• Accounting Procedures
• Regulatory Compliance
• Payroll / Commission Processing

PROFESSIONAL EXPERIENCE:

Confidential, Charlotte, NC

Underwriter

Responsibilities:

• Analyze risk on insurance proposals, determine policy terms and calculate premiums on the basis of actuarial, statistical and background information.
• As an insurance underwriter I decide if applications for insurance should be accepted and what the terms of acceptance are.
• I also evaluate risks and exposures of potential clients.

Confidential, Charlotte,NC

Office Manager/ Accounting Manager

• I oversee all office operations and procedures.
• I m responsible for preparing financial statements and reconciliation reports. Reviews general ledger and scheduled accounts.
• Quarterly prepares payroll tax returns, and prepares sales tax and use returns monthly.
• Ensure office personnel are using the proper accounting procedures and maintaining accurate records and analyses.
• Effectively manages all cash flow for 5 stores by reviewing daily bank deposits and cash reports.
• Prioritize A/P workload while, oversees the processing of domestic and international invoices in a time manner.
• I make sure we maintain adherence to federal, state and local tax requirements.
• I also manage vendor relationships and ensure department compliance.

Confidential, Charlotte, NC

Sr. Quality Assurance Analyst/Retail Risk Management

• Independently executed audits on assigned branches with Confidential Home Loans & Insurance Division.
• Reviewed and analyzed mortgage loan files to ensure bank policy and guidelines are followed.
• Utilized my knowledge of policies, procedures and standards to ensure files meet regulatory guidelines.
• In my role as Sr. QAA Analyst I am also required to perform complex analyses with little or no direction exercising judgmental and critical thinking to ensure sellable loans.

Confidential

Underwriter

• Responsible for the preparation of the credit approval packages.
• I underwrote large difficult/complex residential loans while ensuring compliance with appropriate company and secondary market investor standards were followed.
• I examined all loan documentation for accuracy and completeness.
• Reviewed and calculated all income documents including complex tax returns and personal financial statements.
• Reviewed the clients overall risk rating, credit bureau reports.
• As an underwriter I maintained a daily pipeline with a 24 hour turnaround time for credit decisions.
• My responsibilities also included adherence to Credit Policy guidelines and applicable regulatory requirements.
• My critical thinking skills and my ability to judgmentally evaluate loan requests was what allow me to excel in this position and be promoted to Sr. Quality Assurance Analyst within the Retail Risk Management Mortgage Division of Confidential .

Confidential

Investment Management Loan Administrator

• Responsible for the processing all loan documents.
• Reviewed loan documents and ensured that all had been completed correctly, reviewed rates, margins, reviewed collateral and made sure it was set up properly.
• As a Loan Administrator I was responsible to making sure that all state guidelines were followed, all fees were properly applied, and finally that the loan was booked.
• The Loan Administrator was responsible for adding all collateral if required. We were responsible for loading stock certificated, BAISI accounts, airplanes, and boats, mortgages, deposit accounts as well as other Investment Accounts.
• As a Loan Administrator I was responsible for all Confidential Investment and Private Wealth Investment Clients.

Confidential, Charlotte, NC

Credit Manager / Underwriter

• Analyzed customer credit worthiness, compiled credit data, interpreted account information, and determined extension of credit.
• Analyze employment, credit strength, property characteristics and all information pertinent to the credit decision process on each mortgage application.
• Served as key leader to insuring all state and government policies are followed under the Fair Lending Guidelines.
• Responsible for all credit decisions on all business and consumer loan applications.
• Responsible for reviewing and approving all documentation required for loan approval.

Confidential, Charlotte, NC

Loan Officer / Account Manager

• Received and set up all new loan applications.
• Responsible for ordering all documents as to complete all verification required from the borrower including disclosures, and any program document not obtained at the time of the original application.
• Maintained working knowledge of all loan programs/products to ensure program requirements throughout loan processing were met.
• Maintained a weekly pipeline report of all loan applications, prepared all closing documents and followed up after the closing to ensure all required documents were received back in the closing package.

Confidential, Charlotte, NC

Team Leader

• Directed the activities of Customer Service Reps to ensure customer satisfaction and company profitability.
• Oversaw policies and procedures to ensure on - time delivery. Responsible for the training and development of a team of 15-20.
• Coached associates on how to offer customers additional products or services that could enhance their business needs.
• Managed day to day planning, operations and problem solving in order to ensure my team meet all required service level components, standards and sales targets.
• Managed my team floor adherence to schedules, call monitoring and also provided coaching and feedback in order to assist in the development of future leaders.