Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Anesu Sithole

Anesu Sithole

Princeton,TX

Summary

Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Experienced in credit approvals and limits. Offering a successful career in Financing history spanning more than 9 years.

Overview

9
9
years of professional experience
1
1
Certification

Work History

Flex Credit Analyst

Premier Talent Group
01.2022 - 01.2023
  • Conducted thorough analysis of financial statements, assessment of credit requests including new requests, changed requests, refinancing and annual due diligence.
  • Reconciled credit files and identity discrepancies and variances.
  • Performed business financial statement analysis with complex income and tax return analysis.
  • Displayed strong telephone etiquette, effectively handling difficult calls.
  • Approached customers and engaged in conversation through use of effective interpersonal and people skills.

Non – QM Underwriter

Athas Capital Group
12.2020 - 12.2022
  • Accurately evaluated and manually underwrote Purchase and Refinances for Investment Properties submitted by retail and wholesale production channels and those held in entities i.e. LLCs and Trusts and Foreign Nationals.
  • Underwrote Full doc loans, BP DSCR, BP No DSCR, Bridge Non Owner Occupied.
  • Liaised with AE's, gathering information to base and defend underwriting decisions.
  • Identified and implemented opportunities to reduce costs for customers.
  • Analysis of income, assets, credit review via all 3 bureau's, title, and collateral information.
  • Self Employed Income Calculations.
  • Render independent decision based on Company’s guidelines and policies.
  • Complete required checklists and worksheets.
  • Prioritized and organized tasks to efficiently accomplish service goals.
  • Recognized by management for providing exceptional customer service.

Loan Processor- Underwriter

Consolidated Loans
Plano, TX
09.2018 - 06.2020
  • Calculated income, assets and liabilities to meet lender requirements.
  • Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
  • Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
  • Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
  • Reviewed initial client documentation to structure and submit loan package.
  • Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.
  • Managed conditions sent from underwriting departments.
  • Evaluated financial statements and contacted institutions and customers to clarify details.
  • Reviewed client documentation and contracts for discrepancies and mistakes.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.

Partner Support- Field Trainer- Regional, Relationship Manager

Genesis Financial Solutions
02.2014 - 08.2018
  • Maintained knowledge of industry competition and their process, act as brand ambassador and subject matter expert for product.
  • Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
  • Achieved client loyalty through quality, productivity, service and proactive management.
  • Delivered positive experiences to customers at every touch point through clear communication and implementing strategies to improve satisfaction.
  • Established strong client relationships to drive business development.
  • Developed marketing plan based on client data to acquire new relationships and expand existing ones.
  • Addressed inquiries from clients and department team members.
  • Conducted comprehensive relationship reviews to understand and develop solutions for client needs, partnering with specialists to resolve specific issues.
  • Acted with minimal direction in self-directed capacities to resolve issues and implement strategies.
  • Participated and attended meetings or seminars to obtain information for use in training programs or to inform management of training program status.
  • Used role playing, lectures and simulations to present information in variety of instructional techniques and formats.

Education

Some College (No Degree) - Diploma in Tourism And Travel Agency Management

British College of Professional Management
UK

Skills

  • Microsoft Office, Encompass, Lending QB, Salesforce
  • DU and LP
  • Foreign National Loans
  • DTI Ratios
  • FHLMC Guidelines
  • Banking Standards
  • Financial Statement Review
  • Loan Documentation and Credit Analysis Review
  • Critical Thinking
  • Problem Resolution
  • Relationship Building

Certification

  • Avoiding UDAAP Violations
  • Evaluating the Equal Credit Opportunity Act
  • Fulfilling RESPA Requirements
  • Getting to Know the Truth in Lending Act
  • Homeowners Protection Act
  • Implementing the Anti-Money Laundering
  • Rules of the Bank Secrecy Act
  • Introduction to Compliance Management
  • Introduction to the Consumer Financial Protection Bureau
  • Key to Information Security
  • Practical Application of the Home Mortgage Disclosure Act
  • Privacy in Mortgage Lending
  • Recognizing the Impact of the SAFE Act of 2008
  • Regulatory Compliance for Mortgage Lender

Timeline

Flex Credit Analyst

Premier Talent Group
01.2022 - 01.2023

Non – QM Underwriter

Athas Capital Group
12.2020 - 12.2022

Loan Processor- Underwriter

Consolidated Loans
09.2018 - 06.2020

Partner Support- Field Trainer- Regional, Relationship Manager

Genesis Financial Solutions
02.2014 - 08.2018

Some College (No Degree) - Diploma in Tourism And Travel Agency Management

British College of Professional Management

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Anesu Sithole