Creative and focused professional who produces results. Skilled in the areas of compliance, audit, testing, analysis, investigation and management.
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Received two Service Star awards for work performed in preparation for a bank's Community Reinvestment Act (CRA) Performance Exam which resulted in the bank receiving an Outstanding rating.
Increased a $3 million dollar book of mortgage broker business to over $20 million dollars within 6 months due to exceptional customer and client service.
Promoted within 3 months from Member Service Coordinator to Member Service Manager of an HMO due to successfully working with and integrating staff after a company merger.
Effectively review community development grants and loans generated by the banks philanthropic foundation and lending lines of business to determine if the activity meets CRA (Community Reinvestment Act) regulatory requirements in order for the bank to receive CRA Credit. Advise Lending Officers, Risk Officers and Compliance Officers regarding the CRA to help maximize CRA eligible activities. Assist in the analysis and preparation of CRA data for federal examinations and internal audits.
Developed and executed effective testing programs that evaluated methods, processes, procedures and risks associated with regulatory requirements impacting deposit products, deposit systems and business and consumer product marketing. Successfully identified significant compliance and control issues, analyzed compliance review findings, performed root cause analysis and made recommendations when needed. Discussed corrective action plans with the lines of business and validated implementations.
Audited and monitored CRA compliance and quality assurance staff regarding adherence to policies and procedures for CRA small business and small farm federal reporting. Documented and communicated audit findings and developed training modules to decrease and maintain low error rates as needed. Prepared and analyzed CRA data to determine trends and patterns specific to the staff or lines of business as it pertained to discrepancies. Collaborated with the lines of business concerning the importance of collecting reportable CRA data to ensure the bank's compliance with CRA regulations.
Efficiently examined loan applications and financial records to approve home equity loans and lines of credit working with an assigned block of mortgage brokers. Purchased first mortgage loans and refinances for the bank from wholesale dealers and correspondents. Retained, perfected and grew book of business to maximize loan revenue.
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