BAI Loan Review I & II Certification BAI Credit Analysis Certification RMA Advanced Real Estate Cash Flow and Valuation Certification Outstanding quantitative and qualitative analytical skills (including valuation); strong knowledge of finance and accounting. Strong written and oral communication skills; excellent interpersonal skills with ability to maintain relationships at all levels of organization. Experienced in analyzing financial statements, assessing quality of loans, compliance with policy and regulation, adequacy of loan loss reserves and commercial loan underwriting.
Excellent time management
Loan Review Manager January 2013 to January 2015ARVEST BANK - Norman, OK
Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research.
Responsible for conducting, managing and authoring loan reviews for banks in Oklahoma, Kansas, Missouri & Arkansas. (8 regions)
Loan reviews included commercial, consumer, mortgage, leasing, dealer, and credit card loans subject to board policies, accounting standards, and regulatory guidelines.
Evaluate credits as to credit quality, repayment ability, proper loan documentation, policy compliance, and regulatory compliance.
Document and summarize important financial information including cash flow and debt service analysis.
Appropriately grade and identify all Problem and Watch credits, summarizing effectively in a written format these credits and clearly identifying deficiencies and any remedial action needed.
Discuss specific credit findings in a verbal loan discussion and exit meeting with the Regional Executive, Bank President and Loan Manager.
Keep abreast of any changes to or new loan-related laws and regulations.
Assist in loan policy updates and make sure policy stays current and provides needed guidance and protection for credit quality.
Prepare written reports to bank management and the Board of Directors, summarizing all pertinent conclusions and discuss areas of improvement.
Administrative Remedies Manager January 2010 to January 2011MICHAELSON, CONNOR & BOUL, INC - Oklahoma City, OK
Oversee the day-to-day functions of the Administrative Remedies Supervisor & Specialists.
Primary contact for HUD personnel on debt collection/re-conveyance matters ensuring time lines and under budget.
Responsible for managing Mortgagees to preserve and protect HUD's assets and enforce appropriate HUD guidelines.
Track and report issues and handle escalated issues.
Instructor January 2007 to January 2013WINDSONG - Oklahoma City, OK
Helped establish an online presence that now includes over 1,000 instructional videos on Youtube.com, over 1.9 million views and more than 7,000 subscribers.
Customer Service Representative January 2001 to January 2008MIDLAND MORTGAGE CO - Oklahoma City, OK
CSR I, II & III; Call Center Support Team (CCST) Associate I & II; Quality Control Analyst (QC), Customer Service Department Handled escalated issues from customers requesting to speak to a supervisor.
Analyze and interpret contracts and mortgage loan documents.
Prepared and analyzed escrow and bankruptcy escrow reconciliation reports.
Wrote original letters to customers regarding topics concerning their mortgage, audited letters of CSR's prior to them being mailed or faxed.
Responsible for quality control of CSR's in department to ensure optimal productivity, efficiency and quality of calls, provided training and feedback as necessary.
Trained new hires for the Customer Service Department.
Monitored call duration for the Customer Service Department, prepared hourly reports for upper management, answered questions from CSR's and employees in the Delinquency Assistance Center as needed to resolve their call successfully.
Successfully led team of 10 CSR's against 4 other teams of CSR's to first place in departmental competition focusing on productivity, efficiency and quality.
Winner of Character Award for Dependability and Character Award for Flexibility.
Master of Business Administration : Business & MarketingUniversity Of Oklahoma - Norman, OKBusiness & Marketing Member of a 5 person graduate team from OU chosen to be Supply Chain Consultants for Goodwill Industries of Oklahoma.
*Successfully completed Disney Institute Quality Service and Brand Loyalty programs.