Banking and Mortgage Operations Professional with 20+years of experience. Proactive leader with strengths in communication and collaboration. Adept at managing concurrent objectives to promote efficiency and influence positive outcomes. Helps organizations control and balance risk for maximum profits. Confident in completing assessments, developing recommendations and presenting findings.
Skills
Financial Problem Assessments
Microsoft Office
Debt Restructuring and Refinancing
Analytical Thinking
Quality Evaluation
Goods and Services Valuation
Business Tracking
Spreadsheet Tracking
New Client Acquisition
Risk Assessments
Deals Execution
Word Processing
Verbal and Written Communication
PowerPoint Presentations
Risk Assessment
Verbal and Written Communication
Risk Assessments
Compliance Training
Safety Compliance
Records Management
Risk Mitigation
Compliance Reporting
Problem-Solving
Fire Prevention and Safety
Document Review
Drill Coordination
Fee Calculations
Quality Control
Attentive and Observant
Audit Assistance
Documentation and Reporting
Analytical Thinking
Opening and Closing Procedures
Account Management
Experience
Loss Mitigation Underwriter, 10/2020 - Current Southwest Stage Funding Llc, Cascade Financial Services – Rapid City, SD,
Structured financial packages based on capital needs of clients and current market conditions.
Researched applicant employment and financial histories to confirm document accuracy.
Analyzed loan risk and reviewed loan conditions and requirements.
Maintained compliance with company and regulatory policies.
Reviewed and evaluated loan applications and supporting documents.
Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
Assisted in doc prep, examining borrower documents to attorney documents to confirm for accuracy before submission to court
Assisted in title examination, reviewing titles to determine if clear or cloudy
Conduct highly complex data review, research.
Develop and produce mid-complexity departmental reports and spreadsheets to summit to the State for approval. HAF Project (Homeowners Assistance Fund)
Evaluated financial and operational performance of companies facing financial difficulties to determine possible remedies.
BSA/AML Customer Due Diligence Specialist, 08/2004 - 03/2020 Dierbergs – Des Peres, MO,
Reviewed credit histories from applicants and determined feasibility of granting requested loans.
Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Cultivated partnerships with individuals and firms to better promote products meeting customers' needs.
Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
Demonstrated self-reliance by meeting and exceeding workflow needs.
Created agendas and communication materials for team meetings.
Improved operations by working with team members and customers to find workable solutions.
Maintained updated knowledge through continuing education and advanced training.
Checked records for required signatures by closely reviewing documents.
Identified key issues regarding workflow processes by assisting Customer Due Diligence with quality reviews.
Collaborated with the Team to create analysis techniques, improving overall efficiency.
Discovered flaws in client safety program and provided immediate remediation to keep operations in compliance with federal regulations.
Detecting and reporting unusual or suspicious activity that potentially expose risk.
PPP- SBA Operations:Checked adherence to federal and state regulatory requirements by performing quality control reviews of loan packages.
Received a SPOT Award recognizing exemplary performance.
Accounts Receivables, 04/2000 - 08/2013 American Coradius Inc. – City, STATE,
Managed contract administration, maintained files, validated codes and monitored reporting.
Authored settlement agreement documents containing resolutions and obtained signatures from both parties to finalize agreements.
Negotiated settlements and agreements between parties by providing mutual support and driving resolutions.
Determined extent of liability by reviewing evidence, laws and administrative or judicial precedents.
Assessed conflicts by analyzing all aspects and sides of situations with impartial viewpoint and consideration of applicable laws.
Educated disputants on laws, regulations and procedures applying to cases and potential legal roadblocks for proposed solutions.
Prioritized and organized tasks to efficiently accomplish service goals.
Provided excellent service and attention to customers when face-to-face or through phone conversations.
Resolved interpersonal conflicts by listening, finding common ground and building relationships.
Recognized by management for providing exceptional customer service.
Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
Prioritized accounts based on total amount owed and credit bureau reports.
Reviewed accounts to determine payment plan compliance.
Overcame objections by applying advanced training and persuasion techniques.
Managed AP and AR operations, coordinating staff workflows and reviewing completed work to reduce errors.
Upheld strict quality and accuracy standards through daily process adjustments.
Associate - Contractor Sales, 12/1997 - 04/2000 Home Depot – City, STATE,
Mentored new employees on customer service, money handling and organizing strategies to maximize performance, productivity and team success.
Reset store displays for special events and seasonal merchandise changes.
Provided every customer with comprehensive assistance upon entering store through merchandise selection and completion of purchases.
Maintained well-stocked and organized sales floor with latest merchandise to drive sustained sales revenue.
Engaged casual shoppers to provide information about featured products and recommend merchandise, driving sales.
Advertising Account Executive, 09/1995 - 08/1997 The Metro Group – City, STATE,
Exceeded department expectations for productivity and accuracy levels.
Explained to clients how specific types of advertising helped promote customer products or services.
Participated in incentive programs and contests designed to support achievement of production goals.
Took daily inbound calls and key-entered orders, faxes, backorders and credit memos for assigned accounts and clients.
Negotiated pricing following company procedures to close sales with new advertisers.
Helped customers design and layout spec ads.
Developed tool to track and monitor personal sales opportunities, deals in progress and finished contracts.
Sold print, online, niche publication, newspaper inserts, direct mail and related printed products.
Upsold advertising packages and options to customers by making outbound sales calls.
Used persuasive techniques to overcome objections and close new sales opportunities.
Established numerous new accounts, boosting profits significantly.
Education and Training
Associate of Arts: , Expected in - Erie County Community College - Orchard Park, NY, GPA:
Activities and Honors
Fire Support Specialist (M&T -Larkin)
Employee Engagement Committee (Board of Directors at American Coradius Inc.)
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