A Small Business Advisor who develops and improves processes by leveraging data and analytics, assessing root causes and providing insights to help companies drive strong results. Solid verbal, written and presentation skills, particularly in delivering constructive feedback and working through complex issues. Consistently mitigates long-term risks and finds path forward in difficult situations.
Hi, I’m
Daphne O'Neal
Sherman Oaks ,CA
Summary
Overview
14
years of professional experience
Work History
Pacific Community Ventures , Oakland, Remote (Pro Bono)
BUSINESS ADVISOR
2022.08 - Current (2 years & 1 month)
Job overview
- Coach Small Business clients on areas in business growth potential specializing in preparation of financial statements and readiness of business loan financing.
- Recommended initiatives to improve performance and maximize return on sales incentives.
- Capitalized on strategic business partnerships to foster new market penetration.
- Predicted, identified and analyzed industry trends such as emerging technologies and evolving business models.
New Economics For Women , Canoga Park, CA, Remote - (Contract)
BUSINESS CONSULTANT
2021.10 - 2022.09 (11 months)
Job overview
- Work one-on-one with businesses in packaging loan documentation for Small Business Administration.
- Includes but not limited to preparing financial statements, budgets, and financial projections.
- Ensure loan package is complete for submission to various Small Business Development Centers or Community Development Financial Institutions.
- Applied performance data to evaluate and improve operations, target current business conditions and forecast needs.
- Reviewed files, records and other documents to obtain business information and KPI to inform responses to development requests.
Guaranteed Rate, Inc, Ravenswood, IL, Remote
PRE-FUNDING QUALITY CONTROL
2021.11 - 2022.04 (5 months)
Job overview
- Ensure data integrity of the Automated Underwriting Systems (Desktop Underwriter & Loan Prospect Advisor) aligns review of underwriting conditions for income, asset and property documentation provided in loan files.
- Audit loan files to meet requirements of Agency loans Fannie Mae, Freddie Mac, ECOA, Fair Lending, REG Z compliance.
- Evaluated components of data integrity meet quality standards to ensure accurate, timely and within tolerance per TRID/RESPA requirements.
- Communicate, capture data to report findings with production Team Leads of loan quality trends.
Ascentus One, New Jersey, Remote
UNDERWRITER / PERFORMANCE SUPERVISOR
2020.07 - 2021.09 (1 year & 2 months)
Job overview
- Made careful decisions based on skilled analyses of submitted documentation covering credit histories, employment records, asset and property documentation.
- Calculated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Provide training for incoming new hire contract underwriters. Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Evaluated performance of underwriters and helped improve overall work quality by implementing improvement plans.
- Verified integrity of applicants' information to minimize fraud.
- Reviewed new hire work performance and communicated recommendation to Director of Underwriting to confirm alignment with company policies and procedures.
Green Box Loans, Los Angeles, California
TEAM LEADER/SENIOR UNDERWRITER
2020.01 - 2021.06 (1 year & 5 months)
Job overview
- Examined, underwrote, and cleared conditions for Non-QM loan products.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Monitored pipelines to track and log status of loans.
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines for Non QM, Freddie Mac and Fannie Mae agencies.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Complied with all company policies, procedures, and state HMDA, ECOA, Fair Lending, Reg Z, investor specific, and Agency regulations.
Daphne's Desserts, Sherman Oaks, California
PRESIDENT/CHIEF FINANCIAL OFFICER
2015.08 - 2019.08 (4 years)
Job overview
- Managed and promoted baked goods in brick-and-mortar wholesale and retail coffee shop that specialized in organic foods, desserts and coffees.
- Prepared accurate financial statements at end of quarter.
- Led operational team in creation, roll out and management of new product lines.
- Worked closely with audit team to prepare accounts and documentation as well as conduct audits according to all regulatory requirements.
- Directed budget development, creation of budgetary controls and recordkeeping systems and investment management.
- Conducted research on emerging trends within industry and capitalized on finds to develop new products, services and strategies.
- Completed in-depth analyses of risks to control company profile, enhance systems and track legal concerns.
- Increased workflow by analyzing data and maximizing opportunities for improved productivity across several areas.
- Built and deployed strategies to achieve company vision and enhance tactical operations.
Fannie Mae, Pasadena, California
UNDERWRITING STANDARDS SPECIALIST III
2010.06 - 2016.05 (5 years & 11 months)
Job overview
- Assessed closed loan files, analyzed significant loan trends, and presented trend information compliant to Fannie Mae's Underwriter Center (NUC)
- Mitigated losses with major national financial institutions with internal Credit Risk Team (CRT) per repurchase policy & procedures.
- Determined eligibility through risk analysis and measured deficiencies
- Monitored transaction components for fraud; investigated; compiled conclusions
- Communicated, both verbally and in writing, to customers' results of file reviews.
- Maintained current understanding of Fannie Mae's Selling Guide, special Variance guidelines pursuant to meet compliance standards best practices.
Education
University of Phoenix Woodland Hills, California
MBA from Business Administration
06.2013
University Overview
California State University Northridge, California
Bachelor of Arts from Radio, TV, Film with Emphasis, Film Production, Pan African Studies
06.1997
University Overview
Skills
- Financial Statement Review
- Business Administration
- Credit Analysis
- Financial Forecasting
- Data Collection Processes
- Quality Control
- Operational Leadership
- Regulatory Compliance
- Auditing
- Conflict Resolution
- Organizational Systems
- Financial Data Analyzation
- Business planning
- Strategy realignment
- Planning and execution
- Critical Thinking
Timeline
BUSINESS ADVISOR
Pacific Community Ventures
2022.08 - Current (2 years & 1 month)
PRE-FUNDING QUALITY CONTROL
Guaranteed Rate, Inc
2021.11 - 2022.04 (5 months)
BUSINESS CONSULTANT
New Economics For Women
2021.10 - 2022.09 (11 months)
UNDERWRITER / PERFORMANCE SUPERVISOR
Ascentus One
2020.07 - 2021.09 (1 year & 2 months)
TEAM LEADER/SENIOR UNDERWRITER
Green Box Loans
2020.01 - 2021.06 (1 year & 5 months)
PRESIDENT/CHIEF FINANCIAL OFFICER
Daphne's Desserts
2015.08 - 2019.08 (4 years)
UNDERWRITING STANDARDS SPECIALIST III
Fannie Mae
2010.06 - 2016.05 (5 years & 11 months)
University of Phoenix
MBA from Business Administration
California State University
Bachelor of Arts from Radio, TV, Film with Emphasis, Film Production, Pan African Studies
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