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Jessica Claire
  • Montgomery Street, San Francisco, CA 94105
  • H: (555) 432-1000
  • C:
  • resumesample@example.com
  • Date of Birth:
  • India:
  • :
  • single:
Summary
Passionate and energetic financial services professional with over 15 years of experience with government and private sector institutions focusing on loan administration. Knowledgeable in underwriting, quality assurance and issue resolution/management. Effective communicator, customer focused, problem solving and relationship building individual. Other core competencies include: Management/Leadership Project Management Team Building Resource Management Cross-Functional Team Builder
Skills
  • Guest services
  • Inventory control procedures
  • Merchandising expertise
  • Loss prevention
  • Cash register operations
  • Product promotions
Experience
Loan Specialist, 01/2011 - 01/2013
Loan Depot Chandler, AZ,
  • Strong follow through skills in underwriting federal residential and commercial loans.
  • Performed credit analysis functions in reviewing credit bureau reports and PAYDEX reports with Dun and Bradstreet to determine creditworthiness.
  • Delivered personal service and advice through prompt responsiveness in answering inquiries with the ability to explain complexities in clear and concise language to be readily understood by applicants under stressful conditions due to disaster related situations.
  • Provided valid stipulations in recommendation for loan approval or decline.
  • Drafted loan authorization terms such as collateral and insurance requirements.
  • Performed quality assurance review and final sign-off on loan files.
  • Major goal achieved by approving more than $150 million in disaster relief funds during a 12 month period.
  • Collaborated effectively with business teams (operations, legal/compliance), development, subject matter experts and quality assurance teams on standardizing the Disaster Credit Management System (DCMS) to ensure reception of clear objectives and requirements.
  • Improved the relationship with the Legal and Compliance departments by creating a process and procedure template implemented for loan officers that dramatically increased production overall.
Senior Analyst, 01/2011 - 01/2013
Air Line Pilots Association Tysons (Mclean), VA,
  • Excellent quantitative and analytical skills with an aptitude for problem solving.
  • Reviewed loan portfolios to seek out irregularities in the completed file establishing if there was harm to the borrower that suggested remediation for substantial monetary loss.
  • Strong time management skills in assisting with the design and development of compliance testing strategies and methodologies.
  • Generated information and feedback in a logical and professional manner across all levels of management and co-workers via telephone, written reports and in person.
  • Built and maintained effective working relationships with corporate organizations to resolve complex issues where analysis of situations or data required an in depth evaluation of various factors.
  • Possessed the capacity, ability and interest to work on multiple assignments and large portfolios.
  • Mentored and counseled team members that were lacking the skill sets to process their files correctly (e.g., justification as to how they came up with their decision on the loan file).
  • Reviewed customer complaint forms and monitored foreclosure and bankruptcy inadequacies validating if the borrower's home was foreclosed fraudulently by the servicer.
  • Continued.
  • Newbold Consultant Group - on behalf of JPMorgan Chase Underwriter III 2011 Processed Federal Housing Authority and Fannie Mae loan workout options.
  • Attention to applicable ratios (i.e., debt-to-income, loan-to-value) in evaluating transactions to ensure accuracy and completeness, prepared formal reports for review, implemented fraud detection techniques, performed compliance reviews, and assisted with renegotiations of loans.
  • Used multiple desktop applications for loan review including Request for Modification and Affidavit (RMA), Mortgage Servicing Package (MSP), FHA Connection, Loan and Servicing Answers (LISA), Agent Desktop (AD), credit bureau reports, and Lender Live.
  • Proactively counseled team members on preventative steps and best practices with proven results in production reports and quality audits helping to build and maintain customer trust.
Senior Investigations Professional, 01/2010 -
Chewy Mechanicsburg, PA,
  • Thoroughly and methodically evaluated fraud investigations pertaining to failed financial institutions for restitution order from assets and their parties.
  • Reconstructed cases of fraudulent activities.
  • Documented all inquiries of the crime and prepared repudiation letters.
  • Collected and organized bank records, financial and personal information from a variety of sources, confirmed the accuracy and authenticity of information collected, resolved issues of contradictory information, missing or inconclusive data, traced activity, and interviewed individuals in the process of managing investigations.
  • Conducted bank examinations for the purpose of establishing the financial condition of the bank, evaluated its management, and determined its compliance with applicable laws and regulations.
Negotiator II, 01/2008 -
Countrywide Financial Corporation City, STATE,
  • Experienced in mortgage banking with negotiation in mitigating losses to the investor and gaining loan workout option approval for homeowners.
  • Demonstrated excellent consultative, rapport-building and communication skills while delivering quality customer service for loan modifications in a national call-center.
  • Executed the appropriate loan workout plan for the borrower by establishing eligibility, ordered escrow analysis if needed for fees and cost, calculated repayment ability, checked investor guidelines and made recommendation of the loan using all pertinent documentation for the decision.
Senior Operations Manager, 01/1999 - 01/2006
Wells Fargo & Company City, STATE,
  • Consistently demonstrated ability to develop teams while partnering internally and across the enterprise to deliver solutions that bring great value and service.
  • Managed client conversions during merger with Norwest Bank providing leadership through growth and change.
  • Focused on delivering the best customer experience in Payment Services Division processing a daily average volume of over $300 million in banking center customer transactions.
  • Collaborated with upper management in strategically planning the design of the new operations center that provided security for in-house documents and streamlined processing.
Operations Manager Loan Operations Analyst / Unit Leader / Teller / Proof Operator, 01/1979 - 01/1999
Bank One City, STATE,
Education and Training
Bachelor of Science: Aviation, Ongoing, Expected in
-
University of Cincinnati Studies - ,
GPA:
Aviation, Ongoing
Activities and Honors
Skills
AD, analytical skills, banking, call-center, commercial loans, communication skills, concise, Consultant, Credit, credit analysis, client, customer service, documentation, Dun, financial, forms, funds, insurance, leadership, Legal and Compliance, legal/compliance, letters, managing, LISA, negotiation, enterprise, problem solving, quality, quality assurance, rapport, reception, telephone, time management, underwriting, Underwriter III, written

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Resume Overview

School Attended

  • University of Cincinnati Studies

Job Titles Held:

  • Loan Specialist
  • Senior Analyst
  • Senior Investigations Professional
  • Negotiator II
  • Senior Operations Manager
  • Operations Manager Loan Operations Analyst / Unit Leader / Teller / Proof Operator

Degrees

  • Bachelor of Science

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