Alicia Preston

Decision complex mortgage applications according to investor policies and procedures. Analysis of credit and income, including cash flow analysis, calculation of business liquidity ratios, and review of business income statements to calculate income for qualifying. Communicate loan decisions and conditions to business partners. Meet and exceed production goals, and customer loyalty, while meeting timelines, managing risk, and maintaining quality. Manage pipeline of up to 95 loans. Restructure and negotiate non-qualifying transactions. Involved in special assignments, pilot programs and projects.

Managed, negotiated, and coordinated the closing of real estate acquisitions on behalf of BNSF Railroad, for rail extension projects. Due diligence coordination and completion; ensured land acquisitions met the needs of the railroad. Reviewed Title exceptions, business decisions, analyzed/managed risk, reviewed surveys, completed land divisions/lot splits/replats, when required by County. Provided accurate reporting and acquisition projections to higher management, ensuring budgets were met, while meeting timelines set by BNSF for each expansion project.. Worked remotely.

Specialized in Conventional and ALT A mortgage loans. Evaluated credit packages, ensuring accuracy, completeness, and compliance. Analyzed credit, capacity and collateral, according to Bank and Investor guidelines, policy and procedures. Accurately calculated income and assets for qualifying. Utilized traditional and manual underwriting, mitigating risk to the Bank/Investors. Communicated decision to appropriate parties. Documented rationale of credit decision.