SUMMARY

Currently attending Ashford University. Scheduled to complete bachelor’s degree in finance December 2013.
Extensive underwriting, auditing, analytical, and customer service experience with excellent organizational skills.
Strong ability to research problems, communicate effectively with internal and external customers to resolve issues and follow through to ensure quality service.
Known for accuracy, perseverance and a high degree of efficiency. Detail oriented, able to meet deadlines, team player, dependable, and able to multitask.
Excellent interpersonal, communication and relationship-building skills. Listens attentively, communicates persuasively and follows through diligently.
Fully knowledgeable and capable of developing and executing on various complex compliance and control related activities.
Strong project management skills, strong writing, analytical and communication skills.
Self-starter and organized and have the ability to work independently without supervision.
Technically skilled—cross-platform expertise (Win/Mac) and proficiency in Word, Excel, PowerPoint, QuarkXPress and Photoshop.

Education

BA in Finance
High School Diploma- Marketing certificate

Work Experience

Confidential,
Quality Assurance Analyst II March 2010- Present

• Responsible for auditing bankruptcy files and underwriters to ensure senior level compliance.
• Works, leads, and tests special projects and reviews for each group within the company.
• Constructs tests of controls, evaluates outcomes, and analyzes resulting issues.
• Provides guidance and direction to lower level compliance and control analysts.
• Recommends and facilitates the improvement/development of processes and procedures.
• Conducts compliance related monitoring procedures and reviews to ensure all risks are identified, controls are effective and policies complied with.
• Provides guidance to the business units in assessing and interpreting all new or changed laws, regulations and corporate policy, to determine impact on processes, procedures, and training.
• Recommends effective corrective action plans to the business.
• Leads special projects and reviews.
• Responsible for partnering with Control and Emerging Risk Officers.
• Leads the implementation of system solutions for Control and Emerging Risk Officers.

Confidential, Underwriter May 2006- March 2010
Responsible for auditing and underwriting shortsale and Hafa files
Responsible for determining what files may be considered fraud files
Correcting and coaching the negotiators on all files
Underwriting all deed in lieu files and corresponding to make sure all documents are presented accordingly
Insuring all CitiFinancialand CitiMortgageguidelines are met in accordance.
Processing of CitiFinancial, CitiFinancial Mortgage, and CitiMortgage legal documents
Examine, estimate, and suggest sanction of customer applications for loans up to $4,000,000 and prepare the oversized loan package for upper management review.
Serve as a consultant/trainer and answer basic underwriting questions for loan processors.
Help out in the development and growth in training workshops and agents
Identifying potential risks and previous fraud mishaps that were missed prior to loan servicing.
Preparing and ensuring that documents are consistent and are upheld to company and industry guidelines: performing compliance reviews, assisting with re-negotiations of loans based on lending guidelines
Explaining rationale behind credit decisions.
Developed floor plans for auxiliary bars used for large private parties. Outcomes included faster service, improved efficiency and enhanced guest satisfaction.

Confidential, Loss Mitigations Team Lead May 2004- May 2006

• Assessing information obtained and determining if it validates the information used to qualify the borrower at the time of a modification offer.
• Assist in research and resolution for title issues, document recording issues, tax liens/sales and escrow analysis, loan documents, and payoffs.
• Assisted customers with making payment arrangements by utilizing extension and/or modification procedures.
• Corresponded with customers on meeting desired deadlines to bring mortgage accounts currents.
• Developed and implemented new procedures based on departmental needs and requests.
• Interfaced with management to track and resolve customer issues.
• Interviewed and corresponded with departmental hiring needs.
• Monitor accounts for payment posting and review of any payment research items.
• Negotiated and resolved mortgages that were in default to avoid foreclosure.
• Ordered and kept track of new hire supplies
• Probing customers to effectively obtainnecessary financial information to prepare for modification or workout
• Trained, coached, and monitored training staff in better quality assurance.
• Work with internal and external legal counsel to assist in various stages in loan resolution, foreclosures and fraudulent loans.

Confidential,
Team lead over Underwriters/Modifications DepartmentMay 2001-2004

• Scheduled new hires for orientation and training sessions.
• Reviewed and audited work for monthly spot checks.
• Trained, coached, and monitored staff for quality assurance purposes.
• Approved final modifications based on credit and financial means.
• Reviewed financial documents and made recommendations based on documents received.
• Processed final modifications throughout overflow from underwriters.

Confidential, MAY 2001- MARCH 2002

• TEMPORARY EMPLOYEE FOR Confidential, until PERMANENT

Confidential, August 2001- August 2008
Petroleum Supply Specialists

• Assisted with Hurricane Rita/Katrina 2005
• Petroleum Supply Specialist
• Fuel Supplier
• Hasmat licensed.

Confidential, TX July 1998- September 1999
Customer Care Manager/Underwriting

• Responsible for all incoming calls and correcting customer invoices due to incorrect account billing.
• Updated customer information on credit bureaus.
• Submitted payment researches as needed.
• Monitored and tracked approved and declined applications.
• Responsible for giving customers needed information to complete application approval process.
• Follow-up calls to customers with escalation issues and concerns.

Confidential, IRVING TX JUNE 1996-1998
CUSTOMER SERVICE REPRESENTATIVE

• Assisted customers attempting to resolve account problems by answering questions, explaining account activity and research issues.
• Provided customers with information requested through calls or written correspondence.
• Took verbal payments over the phone and completed payment forms.
• Interacted with other departments when needed to resolve customer issues and concerns.

Key Competencies
Compliance underwriting
Referral/Repeat Business Generation
PowerPoint Presentations
Public Speaking
Complaint Handling