Experience

HyperionBank

• United States
• Banking
• 1 - 100 Employee

• VP, Credit Department Manager

  • Sep 2017 - Present

  Greater Philadelphia Area Responsible for performing and documenting financial analyses on current and prospective customers, guarantors, and principals as requested by loan officers or dictated by loan agreements. Responsible for the preparation of Credit Memorandums, financial analyses and direct global cash flows.



Bank of America

• United States
• Banking
• 700 & Above Employee

• Small Business Approval Officer

  • Jan 2016 - Jun 2017

  Newark, DE Application review of secured business loans for medical doctors, dentists & veterinarians. Products included practice purchases, buy-in, relocation, remodel, equipment, debt consolidation and real estate loans. Assessed credit worthiness of personal and corporate guarantors via cash flow analysis and financial statement review including business and personal tax returns, P&L and balance sheet. Prepares Commented Risk Rating and credit component of Credit Approval… Show more Application review of secured business loans for medical doctors, dentists & veterinarians. Products included practice purchases, buy-in, relocation, remodel, equipment, debt consolidation and real estate loans. Assessed credit worthiness of personal and corporate guarantors via cash flow analysis and financial statement review including business and personal tax returns, P&L and balance sheet. Prepares Commented Risk Rating and credit component of Credit Approval Memorandum Identification and mitigation of credit risks. Work closely with sales and fulfillment for loan structuring, clearing conditions and closing.

• Small Business Credit Analyst III

  • Apr 2014 - Dec 2016

  Newark, DE Application review of unsecured small business credit lines. Assessed credit worthiness of personal guarantor and business characteristics. Personal, business credit and asset analysis. Worked closely with personal bankers, client manager & guarantors to develop personal & business profile.

• Mortgage Underwriter III

  • Aug 2013 - Apr 2014

  Newark, DE Lending authority for Conforming and Non-Conforming residential home loans. Utilized automated underwriting engine and manual underwriting for purchase and refinance transactions. Credit, income, asset and collateral review of applications to issue appropriate conditions.



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Mortgage Underwriter

  • Aug 2012 - Aug 2013

  Chester, PA Assessed credit worthiness while adhering to regulatory and compliance requirements. In-depth review of income & asset documents, including Sales Contracts, Title & Appraisals. Developed a strong working relationship with sales and processing to structure loans, resolve issues, assisted with re-negotiations of loans based on lending guidelines, contacting customers and partners to gather information to make appropriate decisions or explain rationale behind credit decisions. Implemented… Show more Assessed credit worthiness while adhering to regulatory and compliance requirements. In-depth review of income & asset documents, including Sales Contracts, Title & Appraisals. Developed a strong working relationship with sales and processing to structure loans, resolve issues, assisted with re-negotiations of loans based on lending guidelines, contacting customers and partners to gather information to make appropriate decisions or explain rationale behind credit decisions. Implemented fraud detection techniques. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Business Control Analyst (Loss Mitigation)

  • May 2011 - Aug 2012

  Newark, DE Quality & Compliance review of Deed in Lieu/Short Sale file submissions. Insure each file has the correct investor specific documentation and meet minimum qualifying standards. Review of financial hardship (tax returns, paystubs & bank statements). Title and appraisal examination, insure all approvals, contracts, deeds, assignments, satisfactions have been properly executed. Assist a Deed in Lieu team thru their introduction into the quality workflow process, conduct weekly huddles,… Show more Quality & Compliance review of Deed in Lieu/Short Sale file submissions. Insure each file has the correct investor specific documentation and meet minimum qualifying standards. Review of financial hardship (tax returns, paystubs & bank statements). Title and appraisal examination, insure all approvals, contracts, deeds, assignments, satisfactions have been properly executed. Assist a Deed in Lieu team thru their introduction into the quality workflow process, conduct weekly huddles, side by side assistance & training. Above average metrics in production decisions, reviews per hour & post quality audits.

• Short Sale & Deed in Lieu Negotiator

  • Jun 2010 - May 2011

  Wilmington, DE Mitigated loss on behalf of Bank of America & their investors. Determined approval eligibility based on financial, credit & collateral analysis Collection and review of investor specific required documents for delegated and non delegated (Conventional, Fannie Mae, Freddie Mac & multiple MI companies) Negotiated positive outcomes with realtors, attorneys and homeowners Strong focus on port management, compliance and aging Met or exceeded production goals in Other Follow ups… Show more Mitigated loss on behalf of Bank of America & their investors. Determined approval eligibility based on financial, credit & collateral analysis Collection and review of investor specific required documents for delegated and non delegated (Conventional, Fannie Mae, Freddie Mac & multiple MI companies) Negotiated positive outcomes with realtors, attorneys and homeowners Strong focus on port management, compliance and aging Met or exceeded production goals in Other Follow ups, Approvals, Aging & Quality



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Mortgage Underwriter

  • Jan 2009 - Jul 2009

  Assessed credit risk. Assured program guidelines & compliance criteria were maintained. Income analysis, title & appraisal review. Port management.



First NLC

• Financial Services
• 1 - 100 Employee

• Correspondent Area Sales Manager

  • May 2005 - Jun 2007

  Set up Correspondent clients, reviewed financials, MARI / Lexus Nexus reports. Issued Pre-approvals (review credit, income analysis, appraisal & title). Scrubbed mortgage pool spreadsheets for bids & pricing. Negotiated premium recapture and repurchase issues.



GB Home Equity

• Regional Sales Manager

  • 2000 - 2004



Bank One

• Banking
• 200 - 300 Employee

• Correspondent Underwriter

  • 1994 - 2000

  Managed underwriting team responsible for completing off site due diligence for Eastern Region. Insured underwriting guidelines and compliance criteria were maintained. Hired & trained underwriters. Served as point of contact for correspondent questions, loan structuring.