Experience

TMC Financing
• United States
• Financial Services
• 1 - 100 Employee
• System Administrator

  • Feb 2022 - Present


Bank of the West

• Banking
• 1 - 100 Employee

• Senior Lead Business Intelligence Analyst

  • Dec 2019 - Mar 2022

  Data Analytics and Business Intelligence Small Medium Enterprise Commercial/Business Lending

• Senior Business Analyst

  • Nov 2015 - Dec 2019

• Senior Lead Business Analyst

  • Nov 2018 - Jul 2019

  •Be responsible for relaying information to the Technology team in easily understood terms for both technology and business.•Liaise with the business, development team and technology on an ongoing basis. Responsible for effective communication to all business partners and users to ensure that critical strategic decisions are vetted and well thought out prior to implementation.•Evaluate data gathered from multiple servicing and other source systems reconcile differences, decompose high-level information into details, abstract up from low-level information to understand and distinguish optional user requests from what is required.•Conduct user acceptance testing as it relates to the technology solutions.•Work independently with users to define concepts and under direction of project managers.•Advises and leads in the planning and implementation of projects and strategic initiatives for the business unit/department.•Drives business team members to define business needs through utilization of effective elicitation techniques.•Evaluates data gathered from multiple sources, reconciles differences, and ensures consistent approaches, data interpretation, and results measurements are employed.CRM platform product owner; AGILE product development and implementation; project manager planning and scheduling.Develop training resources, facilitate virtual ans in person training; conducting follow up analysis of training gaps and performance etc. Show less

• SME- Credit Analyst III - SBA Lending

  • Apr 2015 - Dec 2015


Sacramento County
• United States
• Research Services
• Senior Business Analyst/IT Project Manager

  • Jul 2019 - Dec 2019


California Bank & Trust

• United States
• Banking
• 700 & Above Employee

• Commercial Loan Portfolio Analyst, II

  • Jun 2014 - Apr 2015

  •Advanced knowledge with a variety of loan portfolios; and ability to manage a mixed portfolio of 400+ loan credits which include; Real Estate Investor, Real Estate Owner Occupied, SBA 504, SBA 7A, SBA Express, Lines of Credit, etc. •Subordinations, Collateral Releases/Substitution and Rate Modifications •Responsible for risk grading of loans. Understanding the portfolios and associated risks. •Monitors and analyzes required financial information. •Global Cash Flow Analysis. •Prepares the financial analysis and performs property profile reviews on real estate credits as required. •Recommends risk rating adjustments and refers loans to special assets department as appropriate. •Responsible for holding monthly planning meetings with branches and developing plans for notices, letters, appraisals and financial information. •Sets up site inspections as needed and reviews inspection reports. •Prepares Credit Presentations or Credit Amendment Modification Forms for servicing related needs. •Provide work direction and technical guidance to other staff. •Complete and interpret financial spreads. Show less



Wells Fargo Home Mortgage

• United States
• Banking

• Sr. Residential Loan Processor

  • Mar 2013 - May 2014

  •Perform high volume, time sensitive tasks which include researching and problem solving to ensure compliance with customer loyalty, quality and timeliness standards •Maintain working knowledge of Wells Fargo Bank , Agency and Government guidelines •Interpreting policies while analyzing applications property specs and documentation •Ordering all required verifications and conducting follow up with the customer or internal contacts as needed •Also required is the ability to analyze complex loan transactions, including collateral review and collateral insurance requirements •This role requires solid proficiency for processing government, conforming and/or non-conforming loans •Developing and maintaining relationships with all involved parties Track progress of loan throughout lending process utilizing reports, data bases and Excel Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Mortgage Specialist III

  • Jul 2012 - Feb 2013

  •Lead conference call based training to remote team members and management •Monitored multiple databases to keep track of up to 2,500 team exclusions / rule conditions daily •Utilized Microsoft Excel and SQL to generate daily reports and pivot table to effectively deliver tracking of team exclusions/ rule conditions •Created and implemented procedures for process flow improvement to ensure deadlines were met •Support off-site Officers with daily operational exclusions / condition inventory •Conducted analysis to address permanent modification effective dates to prevent delayed conversion status •Provided on-site training of production inventory, and reporting •Generating production reports and delegating workload to ensure daily production is satisfied Show less



Resource Capital

• India
• Human Resources Services

• Senior Recovery Analyst

  • Oct 2009 - Jul 2012

  •Lead the Servicing Recovery Team and guided them to maximum efficiency and consistent results •Created and implemented multiple process improvement procedures to benefit the department •As a senior team member, received escalated issues for analysis and resolution •Originate and facilitate training for new and existing team members •Maintain working knowledge of SBA’s SOPs (Standard Operating Procedures) in order to update procedures and provide training of any changes or updates •Managed projects regarding recovery findings and presented information to team members, CEO, CFO and third party vendors •Track and maintain servicing portfolio of 3000+ loans utilizing a self-created Excel workbook and other system generated reports •Process complex modification and compromise applications including conditioning file for additional documentation •Reviewed and analyzed business and personal financial documents to determine credit worthiness of borrower •Prepared narrative reports with credit recommendations •Worked side by side with Chief Portfolio officer on multiple recovery projects requiring data retrieval, analysis and reporting Show less



DDS Quality of Life Study at CSUS

• Data Analyst

  • Mar 2008 - Apr 2009

  Reviewed and analyzed hundreds of surverys and recorded the numeric values for each answer in a MS Excel database. Compiled annual reports and summaries of data obtained from surveys. Organzied and planned annual conference/meeting with survey takers. Worked directly with the Study Director on project and compelted adminstrative tasks as needed or required. Reviewed and analyzed hundreds of surverys and recorded the numeric values for each answer in a MS Excel database. Compiled annual reports and summaries of data obtained from surveys. Organzied and planned annual conference/meeting with survey takers. Worked directly with the Study Director on project and compelted adminstrative tasks as needed or required.



MortgageIT a subsidiary of Deutsche Bank

• UAT Analyst II

  • Mar 2007 - Mar 2008

  Perform screen-based testing: verify that individual application screens are performing correctly; ensure that the flow of information and data entry is logical and correct based on the application 's business requirements; verify that new functionality added to an existing screen has not adversely affected the existing functionality on that screen. Create test cases, report and log defects as well as escalate to the CATS manager for review, test fixed defects to confirm fixed results. Perform screen-based testing: verify that individual application screens are performing correctly; ensure that the flow of information and data entry is logical and correct based on the application 's business requirements; verify that new functionality added to an existing screen has not adversely affected the existing functionality on that screen. Create test cases, report and log defects as well as escalate to the CATS manager for review, test fixed defects to confirm fixed results.



Financial Freedom

• United States
• Financial Services

• Insuring Speacialist III

  • Dec 2006 - Mar 2007

  Job function was to review funded reverse mortgage loans, determine errors and take the proper steps to resolve and cure the issues, present clean loans to HUD for insuring, submit electronic application to HUD through FHA connection, receiving “Notice of Rejections” from HUD and correct all remaining issues, and to contact/follow up with third party vendors to retain corrected documents. Job function was to review funded reverse mortgage loans, determine errors and take the proper steps to resolve and cure the issues, present clean loans to HUD for insuring, submit electronic application to HUD through FHA connection, receiving “Notice of Rejections” from HUD and correct all remaining issues, and to contact/follow up with third party vendors to retain corrected documents.



MortgageIT

• Banking
• 100 - 200 Employee

• Suspense Coordinator II

  • Oct 2004 - May 2006

  Daily functions included organizing and working a pipeline of one hundred loans or more, managing incoming as well as outgoing calls/e-mails to investors, brokers, branch support and other third party vendors to obtain documentation, clearing low to high risk suspense issues within the established deadline, utilizing DataTrac and LSSI to satisfy all remaining pre-purchase conditions. Daily functions included organizing and working a pipeline of one hundred loans or more, managing incoming as well as outgoing calls/e-mails to investors, brokers, branch support and other third party vendors to obtain documentation, clearing low to high risk suspense issues within the established deadline, utilizing DataTrac and LSSI to satisfy all remaining pre-purchase conditions.



Washington Mutual

• United States
• Insurance

• Loan Coordinator/ Loan Processor

  • Mar 2003 - Sep 2004

  Daily functions include receiving and distributing incoming electronic applications and hard copy loan documentation, manually entering non-electronic applications into the automated system, forwarding loans run through the automated underwriting system to the appropriate Underwriter or Sr. Loan Coordinator, ordering appraisal and utilizing industry specific mortgage software to track and maintain mortgage applications. Daily functions include receiving and distributing incoming electronic applications and hard copy loan documentation, manually entering non-electronic applications into the automated system, forwarding loans run through the automated underwriting system to the appropriate Underwriter or Sr. Loan Coordinator, ordering appraisal and utilizing industry specific mortgage software to track and maintain mortgage applications.