Morenika Davis
Results-oriented professional with 15+ years of experience in credit analysis, risk mitigation, and operational excellence. Expert at performing in-depth credit reviews, managing high-volume portfolios, and navigating complex regulatory environments (RESPA, TILA, HMDA). Proven track record of leading workstreams to optimize credit decisioning accuracy and identifying risk trends to protect portfolio integrity.
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About
Results-oriented professional with 15+ years of experience in credit analysis, risk mitigation, and operational excellence. Expert at performing in-depth credit reviews, managing high-volume portfolios, and navigating complex regulatory environments (RESPA, TILA, HMDA). Proven track record of leading work-streams to optimize credit decisioning accuracy and identifying risk trends to protect portfolio integrity.
Experience
Loan Processing Manager at REGIONS BANK (2019-11 – Present)
- Credit Decisioning: Complete in-depth credit, income, and asset reviews for a diverse portfolio, ensuring 100% accuracy before underwriting submission.
- Process Excellence: Own end-to-end operational processes, verifying loan approval summaries (Forms 1008/1003) and maintaining rigorous documentation standards.
- Cross-Functional Collaboration: Maintain regular communication with Loan Originators, underwriters, and external stakeholders to triage documentation gaps and resolve escalations.
- Regulatory Compliance: Ensure full adherence to federal regulations (Reg. B, HMDA, etc.) and lead team workstreams to improve disclosure accuracy.
Flood/Hazard Risk Analyst at BANK OF AMERICA (2016-03 – 2019-11)
- Risk Operations: Managed a high-volume pipeline of complex residential loans, utilizing analytics to reduce turnaround times by 5%.
- Trend Identification: Proactively identified property risk factors and underwriting issues, reducing closing delays by 10% through trend reporting.
- Stakeholder Management: Coordinated with third-party vendors and internal departments to procure essential risk documentation and ensure accurate data logging.
DSCR/ESCALATIONS MORTGAGE UNDERWRITER at Mortgage Underwriting Company (2010-10 – 2016-03)
- Escalation Management: Investigated and actioned urgent risk-related escalations, resolving documentation discrepancies to improve processing efficiency by 10%.
- Financial Analysis: Evaluated complex borrower financials and market conditions to optimize credit strategies and enhance decision-making accuracy.
Quality Assurance Underwriter at JP MORGAN CHASE (2008-02 – 2010-10)
- Workflow Optimization: Identified gaps in existing systems and implemented a "Conversation Log" system to enhance transparency for secondary marketing.
- Team Leadership: Led training for processing personnel, reducing team error rates by 25% through enhanced workflows and process improvements.
EQUITY ANALYSIS TEAM LEAD at JP MORGAN CHASE (2006-01 – 2008-01)
- Strategy Enhancement: Formulated and executed portfolio strategies that increased performance by 20% over 12 months.
- Business Reviews: Provided data-driven updates to senior management to shape pivotal investment decisions and strategic alignment.
Education
HighSchool Diploma – Arlington High School
