Merchandise Assistant Resume Profile, NC - Hire IT People

Summary of Qualifications

Experienced professional with a successful career in mortgage banking, business development, and customer service.
Combined technical and analytical expert qualifications along with a broad knowledge and background of underwriting, risk management, and due diligence. Underwriting, Auditing, Compliance Team Leadership/Motivation Risk Management
Possess excellent interpersonal, analytical, and organizational skills. Highly qualified and accomplished financial professional offering 11 years of experience in leadership and direction in the financial products and services, and retail industries.

Core Business Competencies
Financial Planning Analysis	Budget Counseling	Quality Control
Financial Reporting	Strategic Planning	Contract Negotiation
Process Improvement	Underwriting	Auditing Compliance
Team Leadership/Motivation	Risk Management	Training/Development

Professional Experience

Confidential

Merchandise Assistant- Contract

Create and input orders into Purchase Order Management system. Change and update purchase orders as needed with pricing, units, store and online allocations. Process Return To Vendor RTV's / damaged merchandise/ returns. Maintain shipping log for orders. Track shipping and receipts. Prepare specification sheets for advertising. Administer sample programs for advertising. Knowledge of IMS 2 in order to pull results of circulars, tests, and special events. Copying, faxing, and filing for Buyer and Assistant Buyer. Prepare Excel spreadsheets for report formats as required. Prepare PowerPoint presentations as needed.

Confidential

Underwriter

Led sophisticated reviews and analyses while performing appropriate high-cost, APR, amount financed, and state predatory test, adhering to a stringent compliance review system.
Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
Recommended loan approvals and denials based on customer loan application reviews
Reviewed and audited loan agreements to ensure accuracy
Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act
Maintained strict confidentiality of bank records and client information.
Maintained friendly and professional customer interactions.
Highlights:
Applied sharp organizational, analytical and multitasking abilities while executing approvals for denial cancellation, second signature and counteroffers.
Maintained a dynamic dialogue with senior management and an active role in evaluating and structuring transactions, using Fannie Mae and Freddie Mac lender guidelines with signing authority up to 1M, averaging 8 to 12 files per day.

Confidential

Underwriter

Provided pre and post purchase underwriting of mortgage loans for 1-4 residential properties under Fannie Mae and Freddie Mac guidelines.
Carefully reviewed and closed loans to file to ensure thoroughness and compliance to applicable regulations and company policies.
Analyzed financial statements and pertinent information to determine creditworthiness of prospective customers.
Made a credit decision on each loan reviewed.
Reviewed the AUS findings to status the application accordingly.
Attained organizational goals pertaining to loan development, productivity and quality.

Confidential

Senior Consumer Loan Coordinator

Processed and Audited post-closing warehouse wholesale loans for residential, conventional, FHA and VA first mortgages.
Served as a liaison between AE's and RPC/Ops.
Received loan files from brokers while preparing compliance re-disclosures.
Originated, reviewed, processed, closed and administered customer loan proposals.
Submitted loan applications to the underwriter for verification and recommendations.
Maintained strict confidentiality of bank records and client information.
Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.

Confidential

Mortgage Loan Collection Specialist I

Resolved payment disputes by researching and analyzing complete loan history.
Advised clients of loan status: current, delinquent, foreclosure, and bankruptcy.
Counseled delinquent clients on how to avoid foreclosure.
Implemented repayment plans for clients to facilitate compensation of past due payments.
Explained to clients the procedures for accepting and posting of payments and waiving misc. fees.
Received cash and check receipts, maintained a ledger book and computer record of bank deposits.
Posted billing and processed various invoices for member and non-member agencies.
Organized materials for various training sessions on mortgage assistance for registered participants.

Delivered Results:

Analyzed loans to determine best course of action to protect company's interest and resolve delinquency issues.
Analyzed credit information and restructured complex problem loans for clients.

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Merchandise Assistant Resume Profile

NC

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