Clara Mhlanga
Aubrey
Summary
Accomplished professional with expertise in financial analysis and risk assessment, honed at First Republic Bank. Proven track record in underwriting and regulatory compliance, delivering solution-focused results. Adept at managing complex client inquiries and maintaining documentation accuracy. Recognized for analytical thinking and communication skills, ensuring high-quality standards in fast-paced environments.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Client Service Associate
Synergy
01.2024 - Current
- Support mortgage and financial clients through high-volume phone and email channels
- Maintain accurate documentation and ensure compliance with company service standards
- Provide analytical, solution-focused responses to complex client inquiries
- Uphold professionalism and quality standards in a fast-paced environment
Credit Analyst
First Republic Bank
08.2022 - 04.2023
- Reviewed and processed loan applications while meeting aggressive turnaround times
- Performed credit, income, and cash flow analysis using financial statements and tax returns
- Calculated ratios, assessed debt service coverage, and identified credit trends
- Ordered and reviewed appraisals, UCC searches, and supporting due diligence documentation
- Ensured loan files were complete, accurate, and compliant prior to approval
- Communicated underwriting decisions and conditions to Relationship Managers and stakeholders
- Assisted with portfolio monitoring to mitigate default risk
Mortgage Underwriter / Credit Analyst
Intercontinental Capital Group (ICG)
10.2020 - 04.2022
- Underwrote residential mortgage loans using DU and LP AUS findings
- Reviewed credit reports, appraisals, title, insurance, MI, and flood certifications
- Calculated borrower income from paystubs, W-2s, tax returns, Schedule E, K-1s, and WVOEs
- Underwrote Conventional, ARM, Cash-Out, Manufactured, Condo, and 2–4 family loans
- Performed detailed risk analysis including DTI, LTV, credit history, and collateral valuation
- Issued underwriting decisions and conditions within SLA requirements
- Reviewed purchase contracts, addendums, and disclosures
- Supported processors with title issues, lien releases, subordination requests, and appraisal disputes
Underwriter I (Insurance)
Encompass
05.2019 - 09.2020
- Evaluated risk on new business, renewals, and policy changes
- Ensured compliance with underwriting guidelines and regulatory requirements
- Determined appropriate pricing, limits, and coverage terms
- Calculated renewal rates and mitigated underwriting risk
Education
Bachelor of Science - Bachelor of Arts & Sciences
University of North Texas (UNT)
Texas07-2026
Associate of Science - Health Sciences
Laramie County Community College
Laramie, WY12-2015
Skills
- Financial analysis
- Risk assessment
- Regulatory compliance
- Analytical thinking
- Documentation management
- Communication skills
- Asset appraisal
- FNMA guidelines
- Application analysis
- Residential loans
- Debt-to-income ratios
- Residential mortgage lending regulations
- LTV calculations
- Income verification
- Underwriting guidelines
- Loan origination software
- Complex Problem-solving
- Loan file maintenance
Certification
• Texas All-Lines Adjuster License
• Business Analyst / Data Scientist Learning Path
• Business Analyst / Data Scientist Learning Path
Timeline
Client Service Associate
Synergy
01.2024 - Current
Credit Analyst
First Republic Bank
08.2022 - 04.2023
Mortgage Underwriter / Credit Analyst
Intercontinental Capital Group (ICG)
10.2020 - 04.2022
Underwriter I (Insurance)
Encompass
05.2019 - 09.2020
Bachelor of Science - Bachelor of Arts & Sciences
University of North Texas (UNT)
Associate of Science - Health Sciences
Laramie County Community College