DeWitt C. Nkumba
DeSoto
Summary
Accomplished Loan Officer with a proven track record at U.S. Small Business Loan Administration, demonstrating strong analytical skills and exceptional communication abilities. Excelled in credit analysis and underwriting expertise, achieving an 85% loan approval rate. Known for goal-oriented focus and adept negotiation, ensuring optimal financial solutions.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Loan Officer
U.S. Small Business Loan Administration
Fort Worth
01.2024 - 01.2025
- Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans
- Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions
- Conversations with applicants and written recommendations or justifications for conclusions
- Process loan applications on web-based computer systems
- Process home and/or business loans and recommend the collateral needed to secure loans
- Reviewed and Completed Credit and Risk Analysis
Funding Analyst
Exeter Finance
Irving
01.2020 - 01.2024
- Process and complete contractual agreements; examine motor vehicle contract documentation to ensure accuracy and compliance with corporate policy, program guidelines, credit stipulations, and state/federal laws
- Use analytical skills to assess accuracy of employment, address and identity verifications, title work and calculations on all income spectrums
- Maintains and promotes the highest level of integrity, security and confidentiality of pertinent information and records
- Builds Dealership relationships that support company goals and educate dealers on the company's funding requirements to ensure optimal funding turn-time
- Reviewed and Completed Credit and Risk Analysis
- Reviewed credit report and conducted evaluation to determine business and/or personal credit worthiness
- Reviewed financial and to determine whether to proceed or deny the loan based on the findings
- Contacted Applicant in writing to update on process, possible time frame to complete approval and to get missing documents
Funding Specialist
GM Financial
Arlington
01.2015 - 01.2020
- Conducted phone interviews with Applicants
- Reviewed and Analyzed financial documents to determine if Applicants(s) have enough income to meet the loan obligations
- Maintains and promotes the highest level of integrity, security, and confidentiality of pertinent information and records
- Collected required and missing documents from Applicant
- Addressed and resolved escalations in a timely fashion manner
- Maintained correspondence with Applicants to get missing documents and addressed follow-up questions
- Met Company goal of reaching 85 % of loan approvals in a given Month
Loss Mitigation Analyst
Bank of America
Plano
01.2008 - 01.2014
- Reviewed and made credit decisions within credit policy requirements
- Mitigated losses by examining financial documents, and business income statements, completed income calculations, and conducted verification of employment
- Processed loan applications using Fannie Mae's desktop underwriting systems to underwrite loans
- Handled the fulfillment piece of closing, short-sale, and deed in lieu
- Monitored and Processed Foreclosure on all FHA, FNMA, and FHLMC
- Reviewed and evaluated credit and risk analysis
- Reviewed property information to see if there are possible liens that are likely to put the loan at risk
Business Implementations Specialist
LandSafe Credit
Plano
01.2004 - 01.2008
- Prioritized and escalated issues when needed and kept customers informed of progress
- Coached and prepared customers for successful rollouts of the applications
- Developed and maintained implementations best practices, document procedures, standards, best practices, configuration settings and sequences
- Supported sales team during selling and discovery process
- Ordered and reviewed appraisal to make completed appraisal report meets the required regulations and evaluation
Education
B.B.S - Finance
Dallas Baptist University
Dallas, Texas01.2021
B.S. - Business Management
Southwestern Adventist University
Keene, Texas01.1998
Skills
- Strong analytical skills
- Presentation skills
- Problem-solving skills
- Excellent communication skills
- Ability to work with little and no supervision
- Excellent time management
- Goal oriented
- Microsoft Word
- Microsoft Excel
- Microsoft Outlook
- SQL Certified
- Strong negotiation skills
- Sales skills
- Financial planning expert
- Credit assessment
- Underwriting expertise
- Mortgage lending
- Credit analysis
Certification
- Structured Query Language(SQL)
Timeline
Loan Officer
U.S. Small Business Loan Administration
01.2024 - 01.2025
Funding Analyst
Exeter Finance
01.2020 - 01.2024
Funding Specialist
GM Financial
01.2015 - 01.2020
Loss Mitigation Analyst
Bank of America
01.2008 - 01.2014
Business Implementations Specialist
LandSafe Credit
01.2004 - 01.2008
B.B.S - Finance
Dallas Baptist University
B.S. - Business Management
Southwestern Adventist University
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