Senior Portfolio Analyst at NATIONAL COMMUNITY INVESTMENT FUND (2025-01 – 2026-01)
- Performed in depth commercial credit analysis of data and financial statements on existing and potential borrowers
- Calculated and interpreted key financial metrics to assess debt service, cash flow, leverage, liquidity, guarantor support
- Compiled and tracked documentation from borrowers to adhere to financial and reporting loan covenants
- Prepared annual loan reviews and credit approval memos for the New Market Tax Credit Program to ensure repayment ability, early detection of potential problems and credit risk assessment
- Completed market research and reviewed due diligence and third-party reports
- Supported monthly, semiannual and annual internal and government CDFI reporting within US Department of Treasury
Underwriting Analyst at ALLIANT CREDIT UNION (2023-01 – 2025-01)
- Reviewed and evaluated multiple asset class commercial loan transactions up to $50M with strong focus on market research, property operating performance and financial covenants compliance.
- Completed annual reviews of existing loan portfolio including analysis of borrowers' and guarantors' financial data, spread of financial statements and creating operating projections, cash flow analysis, risk analysis, loan risk rating and mitigant assessment
- Presented findings to loan committees based on underwriting compliance with commercial loan policies, standards, and credit risk parameters.
- Collaborated with cross-functional team to analyze troubled assets affected by changing economic and market conditions, including determining risk rating adjustments and workout options.
Underwriting Analyst at THE FEDERAL SAVINGS BANK (2019-01 – 2022-01)
- Prepared loan packages for underwriting based on agency, investor, and company guidelines on purchase and refinance mortgage applications including Conventional, FHA, VA, USDA loans.
- Successfully provided loan restructure recommendations to drive underwriting approvals.
- Worked directly with borrowers, sales, underwriting and closing teams to finalize mortgage transactions within a strict deadline.
- Handled a pipeline of 35+ loans, meeting and exceeding the company average in number of closed loans per month.
Senior Mortgage Loan Processor at CHEMICAL BANK (2015-01 – 2019-01)
- Performed financial analysis on mortgage applications including verification of income, assets, liabilities, funds to close, financial ratios, appraisal, title, insurance, property taxes on Conventional, Government, Jumbo, Physician, Portfolio and DPA (Down Payment Assistance) loan programs.
- Provided world class client service in review of personal and business tax returns and profit and loss statements for self-employed borrowers, including calculating income for mortgage qualification purposes
- Successfully prepared the complete loan package for underwriting depending on the loan program.
- Adhered to all compliance and standards with underwriting guidelines and lending requirements.
Tax Analyst at KAUFMAN FINANCIAL GROUP (2014-01 – 2015-01)
- Gathered and compiled documentation from branch offices, including filing to tax authorities.
- Reconciled tax reports, including monthly, quarterly, semiannually and annually through resolution of tax discrepancies.
- Tracked and maintained tax records, including management of tax payments for seven states.
- Researched individual state rules and regulations relative to surplus line taxes, updated changes, and communicated with tax authorities to resolve conflicts.
- Worked directly with leadership to identify roadblocks and inefficiencies in state workflows.
Mortgage Loan Processor at JP MORGAN CHASE (2010-01 – 2013-01)
- Successfully processed mortgage loan files through verification of documentation regarding compliance and loan eligibility on FHA refinance applications.
- Performed thorough reviews and analysis of borrower's credit, income, assets, employment, etc.
- Minimized number of conditions needed from the borrower, ensuring quality submissions to underwriting
Loss Mitigation Specialist at JP MORGAN CHASE
- Completed initial screening and evaluation of loan eligibility for workout options such as repayment plan, loan modification, short sale and deed in lieu.
- Provided first class service to clients in the loan modification process to facilitate delinquency resolution and avoid foreclosure.
- Directed all oversight for 100+ accounts, 60+days past due, foreclosure, and non-foreclosure.
