Overview
Work History
Education
Skills
Certification
Timeline
Generic

Caroline Farag

Bayonne,NJ

Overview

4
4
years of professional experience
1
1
Certification

Work History

Business Operation Analyst

NEC Financial Services
10.2022 - 08.2023
  • Delivered analysis of market, sales, and consumer trend impact on long and short-term strategies.
  • Conducted financial analyses to determine the company's performance and overall financial position.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Monitored market trends and economic indicators to mitigate risk exposure.

Underwriter - Underwriting Program

Freedom Mortgage Corporation
06.2021 - 08.2022
  • Completed intensive hands-on credit training program.
  • Examined credit reports, financial statements, and tax returns to determine repayment capability.
  • Maintained compliance with federal agencies such as FHA, FHLMC, and FNMA.
  • Efficiently managed a high-volume daily pipeline of 100 loan applications, maintaining top-tier accuracy and turnaround times.

Relationship Manager

Santander Bank Us
06.2019 - 06.2021
  • Achieved recognition as a district Top Banker.
  • Assisted in credit analysis and underwriting process as needed.
  • Utilized CRM for effective customer interaction tracking and follow-up.
  • Complied with AML, KYC, and OFAC policies and procedures when opening and servicing accounts.
  • Trained new hires on bank policies, procedures, and compliance to ensure effective customer engagement and service.

Education

MBA -

Rutgers, The State University of New Jersey
05-2025

Bachelor of Science - Finance

Rutgers, The State University of New Jersey
Newark, NJ
08.2021

Skills

  • Lean Six Sigma
  • MS Excel
  • Quickbooks
  • Analytical Thinking
  • Risk Mitigation
  • Organizational Skills
  • Communication Skills
  • General ledger entries
  • GAAP
  • Data Analysis

Certification

  • Mortgage Loan Originator License - NMLS# 2169088

Timeline

Business Operation Analyst

NEC Financial Services
10.2022 - 08.2023

Underwriter - Underwriting Program

Freedom Mortgage Corporation
06.2021 - 08.2022

Relationship Manager

Santander Bank Us
06.2019 - 06.2021

MBA -

Rutgers, The State University of New Jersey

Bachelor of Science - Finance

Rutgers, The State University of New Jersey
Caroline Farag