CATHERINE GRAF
BILOXI,MS
Summary
Analytical information gathering, report preparation and data compilation capabilities. Customizes risk management policies to reduce uncertainty and liability. Dedicated to team success while solving problems with minimal oversight.
Overview
21
21
years of professional experience
Work History
Risk Management Specialist
Hancock Whitney Bank
Gulfport, MS
10.2018 - 07.2023
- Provided guidance on appropriate corrective action when risks were identified in the loan portfolio.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Performed quality assurance reviews of loans in the portfolio to identify areas of risk or non-compliance.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Assisted with training sessions for new employees on the basics of loan review process.
- Participated in special projects such as developing standards for evaluating complex loans.
- Provided support during external audits by providing necessary documents and responding promptly.
Asst Branch Manager
Bank Of Virginia
Richmond, VA
10.2007 - 01.2012
- Responded to customer inquiries regarding products, services, and account information.
- Identified cross-selling opportunities for bank products and services.
- Assisted customers with opening new accounts, updating existing accounts, and closing accounts as needed.
- Developed excellent rapport with custom builders to expand opportunities for growth.
- Resolved customer complaints quickly and effectively according to established procedures.
- Maintained up-to-date knowledge of bank policies and procedures.
- Communicated regularly with other branches or departments regarding ongoing projects or initiatives.
- Ensured compliance with all applicable regulations related to banking operations.
- Analyzed credit applications from prospective borrowers and made lending decisions accordingly.
Mortgage Loan Officer
The Cecilian Bank
Elizabethtown, KY
09.2002 - 06.2007
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Collaborated with company teams to expedite loan approval processes.
- Educated customers on various aspects of mortgage financing options available.
- Stayed abreast of lending regulations, industry trends and market rates.
- Processed new loan applications in accordance with established guidelines.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Reviewed appraisals to ensure accuracy and completeness prior to submission to underwriting department.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Approved or denied loan applications and explained reasoning behind decisions.
Education
High School Diploma -
Eastern Randolph High School
Ramseur, NCSkills
- Compliance Monitoring
- Risk Mitigation
- Internal Audits
- Internal Controls
- Shift Scheduling
- Customer Service
- Branch Operations Management
- Performance Reviews
- Document Review
- Document Analysis
- Credit Evaluation
- Regulatory Compliance
- Desktop Underwriter Expert
- Licensed Mortgage Loan Originator
- Financial Analysis
Timeline
Risk Management Specialist
Hancock Whitney Bank
10.2018 - 07.2023
Asst Branch Manager
Bank Of Virginia
10.2007 - 01.2012
Mortgage Loan Officer
The Cecilian Bank
09.2002 - 06.2007
High School Diploma -
Eastern Randolph High School
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