Carmen Saldana

Aspiring Catastrophe Risk Analyst with 15+ years of experience in risk assessment, quality assurance, regulatory compliance, financial analysis, and portfolio review within banking and mortgage operations. Proven ability to analyze complex data, identify risk exposures, document findings, and support risk-mitigation decisions in highly regulated environments. Currently expanding expertise in catastrophe risk management, insurance and reinsurance, and catastrophe modeling concepts through ABIR-sponsored coursework and industry networking.

Seeking an entry-level Catastrophe Risk Analyst, Exposure Analyst, or Catastrophe Modeling Analyst opportunity.

Customer Service Associate - Sprouts Farmers Market

(2024-11 - 2025-11)

• Provide customer support, handle transactions, and collaborate with team members to maintain efficient operations.

Quality Control / Quality Assurance Mortgage Analyst - Citizens Bank

(2021-11 - 2023-11)

• Conducted detailed audits of mortgage portfolios to identify risk exposures, compliance deficiencies, and operational vulnerabilities.
• Analyzed findings and documented trends, recommending corrective actions and process improvements.
• Evaluated loan files against Fannie Mae, Freddie Mac, FHA, and VA guidelines to ensure adherence to risk-management standards.
• Produced analytical reports supporting management decision-making and quality initiatives.

Research / Remediation Analyst II - Wells Fargo (Randstad)

(2021-05 - 2021-11)

• Investigated complex customer and loan-related issues through data analysis and research.
• Reviewed credit exceptions and assessed compliance with insurer, investor, and governmental requirements.
• Partnered with leadership to identify process gaps and implement remediation strategies.

Senior Underwriter - Intercontinental Capital Group

(2020-09 - 2021-04)

• Performed financial and collateral risk analysis to evaluate borrower creditworthiness.
• Reviewed income, asset, credit, and appraisal documentation to support risk-based lending decisions.
• Provided recommendations to improve underwriting efficiency and risk assessment practices.

Quality Assurance Analyst - Wells Fargo

(2018-07 - 2018-12)

• Conducted program and process reviews to identify operational and compliance risks.
• Documented findings, tracked remediation efforts, and collaborated with business partners on corrective actions.

Mortgage Underwriter - Wells Fargo Home Mortgage

(2007-01 - 2018-07)

• Evaluated large volumes of borrower and property data to support lending decisions.
• Assessed financial, credit, and collateral risk factors while ensuring regulatory compliance.
• Collaborated with loan officers, processors, and underwriters to manage risk and improve turnaround times.

Document Review Paralegal - Carolina Legal Staffing

(2020-02 - 2020-07)

• Reviewed legal documents for relevance, confidentiality, and compliance.

Litigation Assistant - Zwicker & Associates

(2019-07 - 2020-02)

• Managed case files and supported litigation operations.

Operations Legal Specialist - Wells Fargo

(2018-12 - 2019-05)

• Processed subpoenas, levies, and legal documentation with high accuracy and compliance.

Bachelor of Science - Business & Management - Montreat College (2012)

Paralegal Certificate - UNC Charlotte (2019)