Alecia Mauldin
Irving
Summary
Dynamic Credit Underwriter at Fortispay with a proven track record in document validation and compliance adherence. Expert in analyzing financial statements to mitigate risk and enhance decision-making. Recognized for optimizing processes and fostering strong customer relationships, resulting in improved application approval rates. Committed to delivering exceptional financial oversight and management.
Overview
18
18
years of professional experience
Work History
Credit Underwriter
Fortispay
06.2022 - Current
- Conduct due diligence reviews of business applications, ensuring accuracy and completeness.
- Validate documents provided with new applications using online publications and resources provided.
- Review and analyze credit and, financial statements, balance sheets, tax,, etc.
- Prepare a written summary based on the analysis of applicant/customer information by the department procedures.
- Apply appropriate underwriting criteria to applications following published credit policy to ensure financial exposure is appropriately mitigated.
- Utilize skills in problem identification, analysis, and resolution using available resources to accomplish duties.
- Review merchant applications to make sure all the necessary information is present, both on paperwork and website.
- Review applications with Merchant services director and make applicable recommendations for account approval or denial.
- Assist with conducting audits of completed files.
- Collaborated with sales teams to streamline the underwriting process.
- Analyzed financial statements for accurate creditworthiness assessments.
- Evaluated credit applications to determine borrower eligibility and risk levels.
Collateral Loan Reviewer
Franklin American Mortgage- Citizens Bank
12.2018 - 03.2022
- Gather and organize collateral information needed to document mortgage loan files.
- Reviews files to verify that the application data is complete and meets established standards, including type and amount of mortgage, borrowers information, assets and liabilities.
- Review daily, weekly and monthly pipeline reports ensuring all data meets company standards
Underwriting Associate
ANOVIA PAYMENTS
05.2014 - 01.2018
- Company Overview: LAS COLINAS
- Reviewed merchants application to ensure that it was complete and accurate.
- Researched merchants information through Tin check, Experian, and Ofac.
- Analyzed merchants information to determine possibilities of risk and fraud.
- Processed files to determine of approval or denial.
- Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Review loan agreements to ensure that they are complete and accurate according to policy.
- LAS COLINAS
STORE MANAGER
CHECK INTO CASH
08.2012 - 04.2014
- Company Overview: MESQUITE TX
- Responsible for the administration and efficient daily operations of a center.
- Including product sales, collections, and loan approvals.
- Ensure the highest level of customer service and promote sales.
- Coach, train and manage center employees in company policies and procedures.
- Oversee compliance of center with establishing company policies and standards.
- MESQUITE TX
Loan Processor
D MITCHEL MORTGAGE BROKER
02.2008 - 02.2011
- Company Overview: DALLAS TX
- Interviewed clients to determine what mortgage product they qualified for based on lender guidelines.
- Responsible for reviewing purchase contracts to make sure all required repairs where listed on application and 1003.
- Responsible for completing 1003, ordering credit reports, appraisals, etc.
- Primary job was to complete file to lender for approval to close.
- Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
- Submit applications to credit analysts for verification and recommendation.
- Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
- Provide special services such as investment banking for clients with more specialized needs.
- DALLAS TX
Education
High School -
Townview Business Magnet
Dallas, txSkills
- Resource monitoring and analysis
- Document validation
- Compliance adherence
- Customer relationship management
- Pipeline management
- Problem solving
- Audit support
- Process optimization
- Reading skills
- Communication proficiency
- Management of resources
- Time efficiency
- Decision-making ability
- Financial oversight and management
- Operational evaluation
- Equipment upkeep and maintenance
- Quality assessment
Tools And Technology
- Microsoft, Outlook, Excel, Powerpoint, Word, 10
- Customer Service, 8
- Excellent Verbal and Writing Skills, 8
- Tsys, Tin Check, Ofac, Authorize.Net
Timeline
Credit Underwriter
Fortispay
06.2022 - Current
Collateral Loan Reviewer
Franklin American Mortgage- Citizens Bank
12.2018 - 03.2022
Underwriting Associate
ANOVIA PAYMENTS
05.2014 - 01.2018
STORE MANAGER
CHECK INTO CASH
08.2012 - 04.2014
Loan Processor
D MITCHEL MORTGAGE BROKER
02.2008 - 02.2011
High School -
Townview Business Magnet