Diligent and driven Mortgage Financial who has achieved success in a variety of roles with increasing levels of responsibility. An effective communicator and team-builder with strong analytical, management and organizational skills.
Complete analysis of transactional information to identify risks, trends and potential suspicious activity Completely and accurately document steps taken through the investigation process Interface with bankers to obtain information related to their client's transaction activity Work with internal groups to ensure consistent understanding of requirements Prepare Suspicious Activity Reports in compliance with established regulatory guidelines and time frames.
Determine credit worthiness and risk associated with borrower based on credit profile. Communicate decisions that most effectively mitigate credit risks, including data integrity and validity of information submitted. Perform income, credit and property analysis on FHA, VA ,FNMA, FHLMC loan files submitted within the time frame established by departmental management .
Applied excellent judgment skills while reviewing and evaluating debt ratio, loan-to- value ratios, credit score, and property valuation Successfully identified and recommended alternatives regarding loan structuring Verify income and employment information, review credit history and calculate the value of a borrower's collateral and assets Ensure that the property specifications and loan terms meet financial institution requirements and government regulations.
Adhered to all federal and state compliance guidelines relative to retail mortgage lending. Performed daily maintenance of the loan applicant database. Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan. Educated customers on the variety of loan products and available credit options.
Conducted excellent customer communications and relations skills in order to negotiate and close deals in a timely manner.Analyzed and preapproved clients utilizing credit report systems.
Utilized interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, and past clients.Complete loan applications; analyze and prequalify applicant information to determine viability of the client's desired loan programs. Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.Identified and recommended alternatives regarding loan structuring.
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