Securities Analyst
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I have four years experience with Financial Analysis. I am skilled at data gathering, data and risk analysis, statistical analysis, collaboration and communication. I am working now as a Securities Analyst for Computershare Corporate Trust, and I have previously worked as a Loan Processor.
Computershare Corporate Trust Securities Analyst II
2015 - 2019
Columbia, MD
September 2022 - Present
● Process complex transactions including 617 reconcilements relating to loan and security payments, with varying difficulty, while maintaining 100% accuracy.
● Review servicer processes and strategies related to portfolio delinquency management, including early- and late-stage collections, loss mitigation, foreclosures, and real estate owned loans
● Audit servicer reports to ensure accuracy of data represented and compliance with stated legal documents to mitigate risk.
● Analyze servicer data files and monthly remittances, verifying ARM rate adjustments, and collateral principal and interest
● Manipulate servicer data in Excel using special formulas, VLOOKUPs, and pivot tables to locate reporting errors and identify processing exceptions that are relevant to similar series across individual portfolios.
● Review and verify servicer monthly reports using strong analytical skills to ensure accuracy of data represented and compliance with stated legal documents to mitigate risk.
● Communicate appropriate information to servicers and all levels of the organization to resolve servicer file discrepancies or loading issues when processing collateral tasks.
● Reconcile cash differences for tasks assigned and ensure that accurate remittance funds are received totaling over a billion dollars, communicating any correction information to the servicer related to wiring instructions, over-remittance, etc.
● Assist with fee research after payment date to identify potential errors in fee payouts to bondholders.
MD Underwriting Analyst | Senior Loan Processor
September 2021 - March 2022
● Remained organized and efficient with a pipeline size of 100+ loans, averaged 35+ closed loans per month
● Processed a variety of reverse mortgage loans including first-time HECMs (Home Equity Conversion Mortgages),
proprietary jumbo loan products, HECM to HECM refinances, and proprietary in-house Home4Life loan product.
● Eliminated operational redundancies by designing the company website and loan database to centralize communication,
automate processes, increase visibility, and track data metrics to evaluate employee performance and KPIs.
● Cleared title insurance exceptions such as judgments, federal tax liens, UCC liens, unreleased mortgages, bankruptcy exceptions, etc. and determined when these can be paid off through the loan
● Reviewed different lender-specific and FHA/HUD guidelines to ensure loan requirements were met and underwriter stipulations were accurate.
● Obtained payoff statements, updated homeowner’s insurance, reviewed tax bills, land surveys, and property appraisals
New Day USA Fulton, MD Loan Processor August 2020 - September 2021
● Remained organized with a pipeline of 60-90+ loans, averaged a timeline of appraisal to cleared to close within 15 days
● Processed full documentation VA cash out refinance loans
● Evaluated title and legal documentation, appraisals, loan applications, and income documentation for all types of income to ensure borrower eligibility based on VA guidelines
● Organized and compiled stipulations while working between sales, underwriting, borrowers and third parties to solve complex, high-stakes problems and negotiate loan terms.
● Analyzed borrower credit with financial and income documentation, including credit reports, W-2s, tax returns, paystubs,
bank statements, 1099s and verified borrower employment
● Worked between underwriting and sales teams to communicate, provide support and ensure loans were processed efficiently
● Reviewed and analyzed client title insurance, and verified property financial information with county treasurers and assessors
● Directed the strategic upskilling of incoming colleagues through the delivery of high-value training activities
Fulton, MD
August 2020 - September 2021
● Remained organized with a pipeline of 60-90+ loans, averaged a timeline of appraisal to cleared to close within 15 days
● Processed full documentation VA cash out refinance loans
● Evaluated title and legal documentation, appraisals, loan applications, and income documentation for all types of income to ensure borrower eligibility based on VA guidelines
● Organized and compiled stipulations while working between sales, underwriting, borrowers and third parties to solve complex, high-stakes problems and negotiate loan terms.
● Analyzed borrower credit with financial and income documentation, including credit reports, W-2s, tax returns, paystubs,
bank statements, 1099s and verified borrower employment
● Worked between underwriting and sales teams to communicate, provide support and ensure loans were processed efficiently
● Reviewed and analyzed client title insurance, and verified property financial information with county treasurers and assessors
● Directed the strategic upskilling of incoming colleagues through the delivery of high-value training activities
I have a B.A. in International Affairs, and a Minor in Spanish from George Washington University
