ELANA THOMAS ALDAY
Due Diligence QC Analyst
Columbus,GA
Overview
21
21
years of professional experience
Work History
Property Senior QC Due Diligence Analyst
RTC Turnkey
Remote, Georgia
01.2017 - 02.2025
- Contributed to the development and execution of the LOB Compliance Risk team's strategic plan aimed at achieving Annual Compliance Risk objectives.
- Demonstrated extensive knowledge of financial services regulations, including OCC, FRB, CFPB, State Law, GSE guidelines, and associated operations ensuring adherence to regulatory requirements.
- Applied practical expertise in internal controls, risk assessments, and compliance process implement effective regulatory and legal requirements while identifying process improvements.
- Produced detailed reports highlighting findings, trends, and actionable recommendations for mitigating risks and improving compliance performance.
- Identified inconsistencies or variances in regulatory implementation or interpretation, provided guidance to management on resolutions, and ensured timely adoption of corrective measures.
- Partnered in revising loan policies and procedures while tracking policy exceptions; maintained comprehensive mortgage lending knowledge covering legal, compliance, transactional, and operational aspects.
Sr. Mortgage Analyst
JCIII & Associates
Tampa, FL
02.2015 - 12.2015
- Conducted comprehensive pre-underwriting reviews to ensure compliance with USPAP, Fannie Mae, Freddie Mac, and client-specific guidelines.
- Effectively communicated with appraisers and clients to clarify questions regarding reports and ensure accuracy.
- Achieved performance metrics and goals established by management, contributing to team success.
- Ensured adherence to policies and procedures for specific clients and processes to maintain compliance.
- Rectified loan documentation errors and enhanced auditing procedures, slashing loan processing errors by 22%; improved compliance rates through rigorous verification and discrepancy detection.
- Verified the accuracy of information on conditional approval worksheets against loan documentation.
- Analyzed loans for potential fraud or misrepresentation, ensuring integrity in the underwriting process.
Assistant General Manager (AGM)
Applebee American Group
Columbus, Georgia
02.2009 - 01.2015
- Responsible for consistent development of managers in regards to restaurant procedures and operations.
- Educate new managers on policies and procedures to allow for development of individual and team effectiveness and efficiency.
- Instruct area 'expert' employees on the procedures of coaching new team members throughout the process of training.
- Troubleshoot liquor and food inventories.
- In charge of achieving budget percentages according to profit and loss statement.
- Control scheduling and waste to achieve budget.
- Resolve guest issues.
- Assist the general manager in decision making regarding restaurant operations.
- Accountable for preventive maintenance of vital restaurant equipment.
Due Diligence Lead
JCIII & Associates
Tampa, FL
02.2008 - 02.2009
- Conducted comprehensive due diligence analyses for potential acquisitions, assessing financial, operational, and legal risks.
- Reviewed and interpreted complex contracts, ensuring compliance with regulatory standards and company policies.
- Performed detailed financial modeling to evaluate investment opportunities and forecast potential returns.
- Collaborated with cross-functional teams to gather data and insights, enhancing the quality of due diligence reports.
- Developed and maintained a database of due diligence findings, improving accessibility and reporting efficiency.
- Presented findings to senior management, facilitating informed decision-making on strategic investments.
- Trained junior analysts on due diligence processes and best practices, fostering a culture of continuous improvement.
QC Underwriter
Clayton Services
Tampa, FL
08.2005 - 02.2008
- Evaluates borrower creditworthiness and risk based on comprehensive credit profiles.
- Communicate underwriting decisions that effectively mitigate credit risks while ensuring data integrity.
- Applies extensive knowledge of established guidelines and regulatory requirements during loan evaluations.
- Conducts thorough analysis of submitted loan files for repayment capacity, collateral, and overall risk assessment.
- Operates under moderate supervision, demonstrating a growing understanding of mortgage products and processes.
- Utilizes established procedures to resolve moderately complex underwriting issues efficiently.
- Employs lending authority to underwrite complex loan files while ensuring adherence to agency.
Underwriter
JCIII & Associates
Tampa, FL
09.2003 - 07.2005
- Progressively develop in several areas resulting in multiple promotions. Responsible for all due diligence and audit reviews for Freddie Mac, Federal Housing Administration, Veteran Affairs, Fannie Mae, as well as nonconforming products.
- Resolve discrepancies of all loans to be bought by head clients.
- Exceed purchaser expectations continuously by meeting all stipulations and deadlines set forth by the client.
- Build extensive queries for products based upon the credentials specified.
- Protect consumers from acquiring loans that contain fraudulent processes that which creates unsellable loans.
- Supervise and develop thirty underwriters in litigation processes of loan pulls.
- Primary Underwriter Manager and Quality Control for all offsite client relationships.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Summary
Thorough Due Diligence Analyst offering [Number]-year background detecting and monitoring suspicious transactions in [Industry]. Skillful in assessing day-to-day financial activities and preparing and reviewing audit materials. Decisive and ethical professional possessing outstanding research and communication capabilities. In-depth knowledge of accounting principles, taxation policies and government regulations. Tech-savvy innovator with hands-on experience in emerging technologies and passion for continuous improvement. Skilled in identifying opportunities for technological enhancements and implementing effective solutions. Adept at leveraging new tools and methods to solve problems and enhance productivity. Excels in adapting to fast-paced environments and driving technological advancements.
Timeline
Property Senior QC Due Diligence Analyst
RTC Turnkey
01.2017 - 02.2025
Sr. Mortgage Analyst
JCIII & Associates
02.2015 - 12.2015
Assistant General Manager (AGM)
Applebee American Group
02.2009 - 01.2015
Due Diligence Lead
JCIII & Associates
02.2008 - 02.2009
QC Underwriter
Clayton Services
08.2005 - 02.2008
Underwriter
JCIII & Associates
09.2003 - 07.2005