SHAMOUS SWIFT
Spring Valley,CA
Summary
Highly trained Credit Analyst offering excellent skills in managing issues, updating files, and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought.
Overview
8
8
years of professional experience
Work History
Merchandise and Stocking Associate
Target
08.2023 - Current
- Rotated stock correctly to prevent out-of-date products and removed aging items from main shelving to build special promotional displays.
- Maintained effective team member communication.
- Performed inventory control, such as counting, and stocking merchandise.
- Placed products in correct storage locations to keep stock areas organized and inventory counts accurate
Procurement Specialist
The UPS Store Inc.
05.2023 - Current
- Negotiate vendor pricing and terms, consistently securing cost-effective procurement and maximizing savings for UPS
- Coordinate and review competitive bid quotations, meticulously evaluating pricing for inclusion in cost proposals, and proactively contacting suppliers in accordance with industry and corporate guidelines
- Skillfully handled legal issues by requesting cease and desist notices, managing disputes, and safeguarding UPS's interests
- Act as a mediator in disputes between vendors and franchisees of The UPS
- Identify systemic issues and collaborate with vendors and stakeholders to develop action plans, resulting in improved overall efficiency and performance
- Monitor and manage vendor performance through customer feedback, vendor reports, and scheduled business reviews, ensuring delivery of high-quality service and adherence to contractual obligations
Credit Analyst
National Funding
San Diego, CA
12.2022 - 05.2023
- Conducted comprehensive credit analysis by utilizing a combination of customer- provided information, third-party sources, ratings reports, news articles, press releases, SEC filings, and industry data
- Evaluated commercial and consumer credit reports, tax returns, and financial statements to assess customers' credit capacity and determine creditworthiness
- Utilized economic trend analysis to predict the potential success of new and existing customers within their respective industries
- Processed credit approvals and declines, ensuring accurate and timely decision- making
- Ensured accuracy and professionalism in all credit-related documentation and materials through diligent proofreading and error correction
Customer Service Representative
Lendmark Financial
10.2022 - 12.2022
- Processed payments, distributions, and made recommendations regarding loan approvals, ensuring timely and accurate completion of financial transactions
- Achieved a 100% approval rate for loans up to established limits by adhering to company policies and procedures
- Handled account activities related to collection accounts, communicating with customers through phone calls or face-to-face interactions to resolve outstanding issues
Quality Control Analyst
Landed
San Francisco, CA
02.2022 - 08.2022
- Conducted comprehensive pre-funding and post-closing quality control audits for all types of mortgage loans, ensuring adherence to industry standards and regulatory requirements
- Played a key role in the development and implementation of policies and procedures for audit/quality control processes, resulting in improved efficiency and accuracy
- Managed the ordering and tracking of post-closing credit reports, appraisal reports, and tax transcripts, ensuring timely completion and compliance with internal guidelines
- Reviewed title insurance policies in accordance with a detailed checklist, identifying any discrepancies or issues and taking appropriate actions to resolve them
- Ensured consistency and accuracy in all audit-related activities, following established guidelines and best practices
Home Loan Closer
American Pacific Mortgage
San Diego, CA
03.2021 - 02.2022
- Prepared accurate and compliant disclosures and Pre-RESPA packages, ensuring adherence to established practices and regulatory requirements
- Collaborated with Settlement Agents and brokers to gather necessary information for the closing process, facilitating timely and efficient loan closings
- Reviewed and verified documents, accurately calculating and inputting fees to generate Closing Disclosures in accordance with regulatory compliance
- Coordinated disbursement of funds upon fulfillment of all closing conditions, ensuring a seamless and error-free transaction process
- Demonstrated proficiency in ordering Fannie Mae and Freddie Mac CDS, maintaining a high level of accuracy and data integrity
- Registered loans with MERS, meticulously ensuring the accuracy and integrity of loan data
- Utilized Encompass 360 software to streamline loan closing processes, maximizing efficiency and productivity
Home Loan Closer
Freedom Mortgage
08.2020 - 01.2021
- Prepared final figures for closing and wire instructions, ensuring accuracy and compliance with mortgage-related regulations
- Setup wires for final funding, facilitating smooth and timely transactions
- Reviewed loan documents to ensure complete compliance with mortgage-related regulations, minimizing risks and ensuring legal compliance
- Acted as a point of contact between all parties involved in funding and closing transactions, ensuring effective communication and coordination
- Demonstrated a basic understanding of various loan types, including
- Conventional, USDA, VA, FHA, enabling efficient handling of different loan scenarios
- Accurately inputted information into Lakewood, maintaining data integrity and ensuring accurate record-keeping
- Maintained clear and concise documentation, facilitating ease of understanding and seamless knowledge transfer between team members www.enhancv.com Powered by
Disclosure Specialist
Computershare
San Diego, CA
01.2020 - 08.2020
- Managed the accurate and timely uploading of 4506 T transcripts, ensuring compliance with regulatory requirements and minimizing delays in loan processing
- Coordinated the ordering of flood certifications, FHA case number assignments, and verifications of income, streamlining the loan origination process and reducing turnaround time
- Identified and addressed compliance violations, reviewing CD's, LE's, and disclosure history to ensure adherence to legal and industry standards
- Collaborated closely with Private Mortgage Bankers PMB to resolve disclosure concerns promptly, maintaining open lines of communication and ensuring a seamless borrower experience
- Maintained a high level of attention to detail, consistently producing error-free and compliant loan disclosures
- Communicated with team members and stakeholders, using clear and concise language to convey complex information accurately
- Ensured consistency in formatting and style throughout all disclosure documents, presenting a professional and polished image
Loan Closer
Union Bank Of California
San Diego, CA
02.2016 - 12.2019
- Ensured regulatory compliance, maintained high degree of accuracy, and cross- checked all documents in order to prepare appropriate closing disclosures
- Reconciled processing fees and other financial figures allocated to each loan, ensuring financial integrity and accuracy in loan transactions
- Reviewed property and liability insurance, coordinating necessary corrections to ensure compliance with loan requirements
- Conducted monthly audits of funded and non-funded loans, identifying discrepancies and implementing corrective measures to maintain data integrity and accuracy www.enhancv.com Powered by
- Managed high volume of loans while maintaining strict attention to detail and consistently meeting deadlines
- Developed strong relationships with title companies, real estate agents, and attorneys to facilitate seamless loan closings
- Ensured accuracy of closing documents by thoroughly reviewing all relevant information prior to client signing appointments
Education
High School Diploma -
Helix High School
La Mesa, CA06.1997
Skills
- Credit analysis Data integrity
- Strategic Planning
- Customer Relations
- Microsoft Excel proficiency
- Risk Assessment
Timeline
Merchandise and Stocking Associate
Target
08.2023 - Current
Procurement Specialist
The UPS Store Inc.
05.2023 - Current
Credit Analyst
National Funding
12.2022 - 05.2023
Customer Service Representative
Lendmark Financial
10.2022 - 12.2022
Quality Control Analyst
Landed
02.2022 - 08.2022
Home Loan Closer
American Pacific Mortgage
03.2021 - 02.2022
Home Loan Closer
Freedom Mortgage
08.2020 - 01.2021
Disclosure Specialist
Computershare
01.2020 - 08.2020
Loan Closer
Union Bank Of California
02.2016 - 12.2019
High School Diploma -
Helix High School
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