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:
Cross-Functional Team Builder
01/2011 to 01/2013
Loan SpecialistUnited States Small Business Administration － Fort Worth, TX
Strong follow through skills in underwriting federal residential and commercial loans.
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.
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.
01/2011 to 01/2013
Senior AnalystSolomon Edwards Group － Dallas Fort Worth, TX
Excellent quantitative and analytical skills with an aptitude for problem solving.
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.
Newbold Consultant Group - on behalf of JPMorgan Chase Underwriter III 2011
Processed Federal Housing Authority and Fannie Mae loan workout options.
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 ProfessionalQuantum Financial Partners - on behalf of the Federal Deposit Insurance Corporation － Dallas, TX
Thoroughly and methodically evaluated fraud investigations pertaining to failed financial
institutions for restitution order from assets and their parties.
Reconstructed cases of fraudulent
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.
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
01/1999 to 01/2006
Senior Operations ManagerWells Fargo & Company － Dallas, TX
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.
01/1979 to 01/1999
Operations Manager Loan Operations Analyst / Unit Leader / Teller / Proof OperatorBank One － Fort Worth, TX
Education and Training
Bachelor of Science: Aviation, OngoingUniversity of Cincinnati StudiesAviation, Ongoing
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