DeAndra Pinckney
Jacksonville,FL
Summary
Energetic, goal driven, resourceful, and self-motivated. I am a team player with 17+ years of financial service experience. I am passionate about building strong consumer to merchant relations by building strong brands through research to understand the consumer. I'm outgoing and an articulate communicator with great analytical and organizational skills. I’m a dedicated professional that is ready to aid in the success of an organization that values firm work ethics and career growth.
Overview
18
18
years of professional experience
Work History
OMS Review Underwriting Analyst
SoFi Bank
06.2025 - Current
- Review member's financial position through a thorough investigation of personal financial statements, understanding any liabilities, constructing cash flow analysis, thorough investigation of personal tax returns and credit reporting documentation
- Analyze financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted
- Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures
- May possess loan decision authority up to position authority limits as defined in credit policy
- Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital
- Follow compliance and regulatory guidelines to protect sensitive information and meet the member needs
AVP, Wealth Management Service Officer/Team Lead
Deutsche Bank
05.2022 - 12.2024
- Review approved credit approval memos and loan documentation from Loan Officers to prepare instructions for loan system set up
- Support subscription financing lending product service, as well as others
- Monitor collateral assets to ensure proper collateral maintenance
- Process loan fundings, payments and repricing’s on loan system
- Daily contact with clients on full range of servicing matters
- Follow-up with clients and loan officers for missing documentation, interest payments and collateral deficiencies
- Review daily transaction activity on pledged items, review account assets, approve / reject transactions
- Interact with Bankers, Investment Advisors and Custody officers on collateral issues, loan increases, late payments
- Facilitate loan payments and loan pay-offs
Sr. Quality Assurance Analyst/ Quality Control
Bank of America N.A
11.2016 - 05.2022
- Responsible for performing Quality Assurance (QA) for Wholesale Flood Operations and Commercial Loans
- Quality analysis includes ensuring the bank is in compliance with regulatory flood insurance requirements, such as Flood Disaster Protection Act (FDPA) regulations related to the placement and renewal of flood insurance. Responsible for validating credit, loan agreements, insurance documentation, coverage calculation methodology & syndicated and participation deals
- Conducts routine to complex research and investigations in diversified operations to ensure adherence to regulatory and compliance requirements
- May identify significant issues and control weaknesses, and make recommendations to correct. Acts as a Subject Matter Expert.
- Interfaces with compliance partners, legal counsel, line partners, audit, and EPO. Completes quality reviews of QA associates work to ensure adherence to QA scripts/procedures
Bankruptcy Specialist
Bank of America N.A
07.2014 - 11.2016
- Research misapplied funds and reapply them correctly, code, override and credit fees on debtors deposit accounts to prevent poor managing while in active bankruptcy
- Monitor and review accounts for proper handling, provide coaching and feedback to associates
- Analyze 20-25 accounts daily for Quality Assurance
Insurance, Escrow & Tax Team Lead
Bank of America N.A
06.2011 - 07.2014
- Team Lead for 10-15 Associates
- Handled escalated issues from homeowners, insurance agents, & tax collectors offices
- Assisted homeowners with verifying & updating homeowners insurance, property taxes and setting up escrow accounts
- Reached out to insurance agents to verify proof of coverage and confirm declaration pages
- Verified proper dwelling, content, flood, commercial & lender forced-placed insurance policies
- Reviewed and analyzed accounts for proper handling, provided coaching feedback based upon quality assurance findings
Mortgage Servicing Support Representative
Bank of America N.A
08.2010 - 06.2011
- Assisted homeowners with all aspects of their home loan, including payment processing, loan history and explanation of insurance, tax and escrow accounts
- Coached peers on handling difficult calls, maintaining efficiency, and finding and using proper procedures
- Researched challenging issues with clients, & prepare documentation to reconcile loans
Online Banking & Student Loan Representative
Bank of America N.A
04.2008 - 08.2010
- Provided customers with federal and private student loan options
- Assisted customers with online navigation and sign on issues
- Maintained a broad knowledge of bank products, promotional items & important issues
Education
Associates in Science -
Florida State Community College at Jacksonville
05.2019
High School Diploma - General Education
Jean Ribault Senior High School
05.2004
Skills
- Strong Organizational Skills
- Energetic Work Attitude
- Proficient in Microsoft Office products (Excel, Word, Power-Point, & Outlook)
- Loan IQ, AFS, AS400
- Portfolio Management
- Exceptional Leadership Qualities
- Analytical Thinking
- Financial Analysis
- Financial Forecasting and Modeling
- Research Analysis
- Attention to Detail
- Credit and Risk Assessment
- Underwriting
- Written Communications
- Collaboration
- Critical Thinking
Timeline
OMS Review Underwriting Analyst
SoFi Bank
06.2025 - Current
AVP, Wealth Management Service Officer/Team Lead
Deutsche Bank
05.2022 - 12.2024
Sr. Quality Assurance Analyst/ Quality Control
Bank of America N.A
11.2016 - 05.2022
Bankruptcy Specialist
Bank of America N.A
07.2014 - 11.2016
Insurance, Escrow & Tax Team Lead
Bank of America N.A
06.2011 - 07.2014
Mortgage Servicing Support Representative
Bank of America N.A
08.2010 - 06.2011
Online Banking & Student Loan Representative
Bank of America N.A
04.2008 - 08.2010
High School Diploma - General Education
Jean Ribault Senior High School
Associates in Science -
Florida State Community College at Jacksonville
Similar Profiles
Tessa RolandTessa Roland
Loan Originator at SoFi BankLoan Originator at SoFi Bank
Christina ChristensenChristina Christensen
Senior Collections Specialist at SoFi BankSenior Collections Specialist at SoFi Bank
Marcos HernandezMarcos Hernandez
Mortgage Loan Originator at SoFi BankMortgage Loan Originator at SoFi Bank
Deundra KingDeundra King
Shift Manager at Wendys ResturantShift Manager at Wendys Resturant
Stephanie MullinsStephanie Mullins
Remote Customer Support Representative at Cass Information SystemsRemote Customer Support Representative at Cass Information Systems