Donovan Garrison
Wilmington,DE
Summary
Seasoned Business Risk Analyst with robust experience in identifying, assessing and mitigating risks. Strengths lie in strategic planning, risk management, and regulatory compliance. Demonstrated ability to develop systematic risk analyses and provide comprehensive recommendations. Known for leveraging business acumen to drive successful outcomes while maintaining organizational integrity.
Overview
15
15
years of professional experience
Work History
Business Risk Analyst
TEKsystems / TD Bank
04.2025 - Current
- Analyzed mortgage origination files for FCRA and ECOA compliance, specifically verifying the accuracy of credit inquiries and the validity of adverse action notifications.
- Validated TRID "Know Before You Owe" requirements by auditing Loan Estimates (LE) and Closing Disclosures (CD) for fee tolerance and timing accuracy.
- Utilized Encompass software to extract data samples, run compliance reports, and investigate system-triggered regulatory alerts.
- Identified and flagged potential UDAAP risks within mortgage and consumer lending workflows during standardized file reviews.
- Maintained a deep technical understanding of Reg B, Reg Z, and TILAto ensure all testing checklists remained aligned with current federal mandates.
- Conducted thorough analysis of test results to ensure quality assurance standards.
- Ensured compliance with industry standards by rigorously following established testing methodologies and best practices.
- Reduced time to market, meticulously planning test schedules to align with development timelines.
Account Manager
Canteen Vending
01.2024 - 03.2025
- Developed strong client relationships to enhance customer satisfaction and retention.
- Managed a diverse portfolio of accounts, ensuring timely communication and effective problem resolution.
- Collaborated with sales team to identify potential upsell opportunities and expand client base.
- Implemented strategies to increase revenue from existing accounts through upselling and cross-selling initiatives.
- Conducted regular client reviews, ensuring alignment with evolving business objectives.
Senior Mortgage Underwriter
Citizens Bank
01.2020 - 12.2023
- Review analyze and make final determination on loan submissions using manual underwriting guidelines as well as validating Automated Underwriting recommendations.
- Underwritten conventional loans, jumbo loans, special programs as determined by lending underwriting management team.
- Manage existing pipeline and Underwritten new applications daily including residential family, multi-family, mixed use and commercial properties.
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
Production/Staff Underwriter
REMN Wholesale
01.2018 - 01.2020
- Performed risk analysis on loans according to established guidelines.
- Evaluated mortgage loan applications for compliance with underwriting guidelines.
- Collaborated with loan officers to clarify underwriting decisions and requirements.
- Conducted thorough risk assessments on complex loan transactions.
- Issued clear written conditions for approval of mortgage loans.
Mortgage Underwriter
Citizens Bank
01.2017 - 01.2018
- Frontline underwriter for home equity, Jumbo, conventional, non-conforming and conforming residential products.
- Review credit reports to determine credit patterns, current liabilities, outstanding judgments and collections.
- Review residential mortgage appraisal forms 1004, 2055, 2065, 1073 and AVM's.
Senior Consumer Loan Underwriter
Wsfs Bank
01.2017 - 01.2018
- Evaluated and approved consumer loan applications, ensuring compliance with company policies and regulatory requirements.
- Reviewed and analyzed consumer loan applications for completeness, accuracy, and adherence to company standards.
- Analyzed credit reports, financial statements, and borrower profiles to assess risk and determine loan eligibility.
- Collaborated with loan officers and other stakeholders to resolve issues and streamline the underwriting process, achieving a 20% reduction in turnaround time.
- Mentored junior underwriters, providing training on best practices and regulatory changes, which improved team efficiency and accuracy.
Senior Mortgage Underwriter
Capital one
01.2013 - 01.2016
- Analyze individual and business tax returns, asset and financial statements.
- Strong knowledge of FNMA/FHLMC guidelines, standards, and practices.
- Recognized at 2015 Capital One Underwriting Summit for exceptional underwriting and effectively communicating with home loan partners.
Mortgage Underwriter
Bank of America
01.2011 - 01.2013
- Review loan conditions including but not limited to tax returns, title reports, credit reports, appraisals and assets.
- Daily reviewed 6-8 loan files or more utilizing conventional selling guidelines.
Education
Bachelor of Science - Human Resource Management
Goldey-Beacom College
Wilmington, DE05.2009
Skills
- Microsoft Excel
- Operational risk
- Risk mitigation
- Stress testing
- Economic analysis
- Forecasting techniques
- Credit analysis
- Portfolio management
- Data interpretation
- Stop-loss reporting tools
- Teamwork and collaboration
- Excellent communication
- Adaptability and flexibility
- Financial statement analysis
- Analytical skills
- Regulatory compliance
Timeline
Business Risk Analyst
TEKsystems / TD Bank
04.2025 - Current
Account Manager
Canteen Vending
01.2024 - 03.2025
Senior Mortgage Underwriter
Citizens Bank
01.2020 - 12.2023
Production/Staff Underwriter
REMN Wholesale
01.2018 - 01.2020
Mortgage Underwriter
Citizens Bank
01.2017 - 01.2018
Senior Consumer Loan Underwriter
Wsfs Bank
01.2017 - 01.2018
Senior Mortgage Underwriter
Capital one
01.2013 - 01.2016
Mortgage Underwriter
Bank of America
01.2011 - 01.2013
Bachelor of Science - Human Resource Management
Goldey-Beacom College