Experience

• 

  Schuck's auto supply

  Aug 1996 - Jun 2004

  Store manager

  Supervise up to 15 employees. Responsible for employee relations handling personnel issues. Review new applications, onboard new hires, performed training, scheduling and employee evaluations. Provide a high level of customer service while building and maintaining customer relationships.

• 

  Sterling bank

  Jun 2006 - Apr 2014

  Administer self-assessments review on new and existing loan files for Consumer and Mortgage Lending with primary focus on Commercial, Small Business Loans, SBA and Multi-Family. Self-assessment review covers REG B, FCRA, BB (CRA), C (HMDA), OFAC, BSA/CIP and Flood. Analyze data to ensure our business units meet all federal regulations and company policies are met in an effort to lower the bank's risk and protecting all shareholders. Input results in Risk Management System to report findings to Compliance and Risk Management Officers to present to Executive Management and Board of Directors. Provide recommendations based on findings to department managers on a monthly basis in an effort to make any necessary corrections or improvements to bank policies and/or procedures. In addition, participated in roundtables to provide training to lending units.Continuous improvement-oriented, with demonstrated ability to analyze processes and propose cost and/or time-saving results through Kaizen events using Lean philosophies. Show less Originate and close consumer loans as well as for employees while keeping records confidential. Evaluate and analyze customer’s financials to provide recommendations to assist underwriting in making sound credit decisions. Provide high level of customer service with internal and external customers while building and maintaining relationships. Work across department lines cross-selling appropriate bank products. Prepare and proof monthly production reports to management. Participate in Consumer Roundtables to train other lenders. Show less

  • Compliance Specialist - Lending Support

    Aug 2010 - Apr 2014

  • Consumer Lender

    Jun 2006 - Aug 2010
• 

  Plese realty llc

  Aug 2007 - Mar 2011

  Real estate agent

  Providing high level of customer service by assisting clients sell their home by providing a full market analysis on their property, listing property on the MLS with accurate information, as well providing advertising material to potential buyers by way of brochures with quality pictures and full description of the property to purchase their dream home. Perform Open Houses to better market homes to potential buyers. In addition, assisting potential buyers find their dream home by listening to their needs and wants, in order to find the right property. Show less

• 

  Umpqua bank (formerly sterling bank)

  Apr 2014 - Jun 2014

  Business unit compliance specialist - lending support

  Administer self-assessments review on new and existing loan files for Consumer and Mortgage Lending with primary focus on Commercial, Small Business Loans, SBA and Multi-Family. Self-assessment review covers REG B, FCRA, BB (CRA), C (HMDA), OFAC, BSA/CIP and Flood. Analyze data to ensure our business units meet all federal regulations and company policies are met in an effort to lower the bank's risk and protecting all shareholders. Input results in Risk Management System to report findings to Compliance and Risk Management Officers to present to Executive Management and Board of Directors. Provide recommendations based on findings to department managers on a monthly basis in an effort to make any necessary corrections or improvements to bank policies and/or procedures. In addition, participated in roundtables to provide training to lending units.Continuous improvement-oriented, with demonstrated ability to analyze processes and propose cost and/or time-saving results through Kaizen events using Lean philosophies. Show less

• 

  Liberty mutual insurance

  Jun 2014 - Mar 2015

  Licensed agent - commercial gold lines insurance team

  Responsible for Commercial Lines service activities requiring extensive client contact, including answering questions regarding coverage's, endorsements, renewals certificates of insurance. Answers inbound customer phone inquiries in a call center environment. Supports agent and policy holder relationships; maintain each marketing company and agency's brand. Identify and analyze customer needs to ensure high customer satisfaction, growth and retention of business. Provides timely and accurate guidance and solutions to agent and policyholder's questions. Educates agents and policyholders on new and existing products & services and other available resources. Maintains accurate data in appropriate systems in order to reflect account activity. Tracks and captures information and data per department guidelines. Coordinates all service requirements and client inquiries with primary responsibility for resolving client problems as they arise, including endorsements. Understands and explains commercial policy, coverage, and billing and eligibility provisions related to unique circumstances. Responsible for identifying exposure and communicates additional coverage needs to customer. Identifies cross-selling and up-selling opportunities including identifying new revenue opportunities from additional lines of coverage and asking current policyholders for opportunities to quote additional lines. Current cross-selling standards of performance apply. Follows adherence standards according to the service level agreements of our agents. Provide strong customer service and assistance on escalated calls. Mentor and coach CSR's on day-to day workflows and demonstrate consultative selling skills to generate cross-sell opportunities. Participate as subject matter expert on project teams impacting the service center (processes, systems, programs, etc.). Show less

• 

  Keytronicems

  Mar 2015 - Jan 2016

  Associate master scheduler

  Develops, publishes and maintains the world wide Master Production Schedule for assigned accounts. Negotiates corrective actions to product schedules when dictated by change in business. Facilitate the Expediting/De-Expediting of all schedule changes. Enters and maintains all customer order activities in compliance with the established business agreements/contracts of assigned accounts. Responds to customer inquiries on open/closed orders, product availability, lead-times, and pricing. Determines economic order quantities and appropriate inventory levels. Works directly with customer base in support of warehouse management world wide. Ensures accurate planning data and inventory accuracy in support of the MRPII production and inventory control systems as area auditor. Show less

• 

  Banner bank

  Feb 2016 - Oct 2018

  As a Senior Mortgage Investor Compliance Analyst, I reviewed documents created by the Mortgage department to verify accuracy and completeness of the entire credit package. Analyze current practices in relationship to Bank policy, government regulations, and best practices to identify potential compliance weaknesses and ensures requirements for legal, compliance and collateral documentation are met to close and sell a mortgage loan in the secondary market, as a lender and as a broker. In addition, I performed the following as a Senior Mortgage Investor Compliance Analyst:• Audit, review, and verify all closed loan files and cancelled/denied files for proper documentation and completeness. • Audit mortgage loan files for proper disclosures and regulatory timelines to ensure proper execution and compliance with Bank policy, Federal Regulations, and secondary market investor guidelines.• Assist lenders and operations staff with Compliance training as needed. Provide user support, operational support, and problem resolution as needed. • Support the accomplishment of department service level agreements with internal and external customers. • Prepare reports with accurate results to business partners and executive management. • Partner with Compliance Officers to ensure department meets Bank’s compliance objectives. • Stay up-to-date with Federal Regulation Compliance initiatives and recommend action to management when appropriate. • Comply with policies, procedures, security requirements, and government regulations. Show less As the Mortgage Compliance Analyst II for the Bank’s Quality Control program within the Mortgage Banking Department I am responsible for accurate analysis, validation and reporting on the Bank’s QC program reviews performed by a third-party vendor as it relates to HUD/FHA, FNMA, FHLMA, VA and other government sponsored consumer loan programs. Focus on compliance monitoring and due diligence activities in the review of documents created by the Mortgage Banking Department for loans and denied applications covered by the Bank’s QC program. Verify accuracy and completeness of the entire credit package that encompasses all aspects of the applicable mortgage lifecycles governed by FHA policies and procedures along with the following: • Perform reviews on third party vendor’s QC files to validate the accuracy and completeness of the vendor’s work• Prepare monthly reports reflecting the final results of the vendor’s QC reviews which are delivered to Senior Management• Review, analyze, and report deficiencies for loans and denied applications covered by the Bank’s QC program for proper disclosures, documentation, and regulatory timelines to ensure proper execution and compliance with Bank policy, Federal Regulations, and secondary market investor guidelines.• Evaluate data for trends, potential/actual issues, training needs, and potential corrective actions• Develop, implement, document, and maintain procedures and reports in support of the First Line of Defense Show less Reviews documents created by the Mortgage department to verify accuracy and completeness of the entire credit package. Analyzes current practices in relationship to Bank policy, government regulations and best practices to identify potential compliance weakness. Fully understands the legal, compliance and collateral documentation required to close and sell a mortgage loan in the secondary market, as a lender and as a broker.Provides accurate HMDA reporting and sends complete and accurate HMDA information to the Bank’s Compliance Department on a monthly basis. Interacts with Bank’s Compliance Officer to ensure department meets Bank’s compliance objectives. Audits, reviews and verifies all closed loan files and cancelled/denied files for proper documentation and completeness, disclosures and regulatory timelines to ensure proper execution and compliance with Bank policy, Federal Regulations and secondary market investor guidelines. Assists lenders and operations staff with Compliance training as needed. Stays up-to-date with Federal Regulation Compliance initiatives and recommends action to management when appropriate. Provides user support, operational support and problem resolution as needed. Supports the accomplishment of department service level agreements with internal and external customers. Show less Review, analyze and approve/decline all consumer loan requests in one or more of the following areas: HELOC/HELOAN, auto, home improvement, and lines of credit for borrowers. Order credit reports and notify applicant of decision. Providing high level of customer service by establishing and maintaining relationships.Contribute to the Bank's profitability by making consumer loans which meet Bank standards for economic value and safety.Contribute to the Bank's favorable image in the community by carrying out loan activities in a manner promoting customer goodwill. Service existing loan accounts. Develop sound credit judgment of applicants. Comply with policies, procedures, security requirements, and government regulations. Show less

  • AVP, Senior Mortgage Investor Compliance Analyst - Quality Control

    Jun 2018 - Oct 2018

  • Mortgage Compliance Analyst II - Quality Control

    Sept 2017 - Jun 2018

  • Real Estate Compliance Analyst

    Nov 2016 - Sept 2017

  • Consumer Loan Underwriter

    Feb 2016 - Nov 2016
• 

  United states air force

  Oct 2018 - now

  $1MM Warrant as of 08 December 2021.$250,000 SAT (Simplified Acquisition Threshold) Warrant as of 20 July 2021.

  • Contracting Officer (PKB-Construction MATOC) - 92d Contracting Squadron

    Jul 2021 - now

  • Contracting Specialist (PKB-Construction MATOC) - 92d Contracting Squadron

    Jan 2019 - Jul 2021

  • Contracting Specialist (PKB-Construction MATOC) - 92d Contracting Squadron

    Oct 2018 - Jan 2019