Dorina Dizdarevic

• Analyzed credit reports for fraud activity, reviewed income, tax returns, financial statements, derogatory credit, and total liabilities
• Documented underwriting decisions and provided evidence of compliance with applicable regulations. Made approval and denial recommendations by determining accurate risk levels
• Determined maximum advance and loan to value based on the value of vehicle, front and end products and back end products. Cross trained in Direct UW and Funding Kicks
• Ensured compliance with regulatory requirements through diligent monitoring of industry changes and updating internal policies accordingly. Determined and documented loan conditions and communicated requirements and decisions

• Individually drove business revenue totaling 32 MM in sales
• Consistently Exceeded new sales growth quotas for both Retail and Small Business Lending quarterly
• Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
• Successfully closed on average 100+ loans per month
• Addressed emergency situations encountered following policies, procedures and strategies.

• Conducted comprehensive analysis of client financial/credit data to determine risk level and matching borrowers needs with appropriate loan program(s)
• Cultivated productive relationship with borrowers, realtors and title agencies to increase profits and expand customer base
• Utilized extensive understanding of real estate appraisals, title reports, and real estate transactions in educating borrowers of mortgage process and loan procedure

• Analyzing investors and credit risk guidelines to ensure compliance requirements are met for loan qualification
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Evaluated approvals against established bank and government lending standards.
• Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.

• Verified conditions of approval which includes customer income/assets documents, resolved title issues including vesting, child support liens, judgment liens, processed subordinations, resolved appraisal reviews
• Complete Flood Review on applicable files to ensure adequate documentation and coverage per National Flood Insurance Reform requirements
• Completed denial and cancellation procedures on applicable files.

• Review and process FHA, VA, and Conventional Loans
• Conforming and non-conforming mortgages and HELOC's
• Review title commitments for liens/judgments
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

• Responsible for clearing conditions of approved files which may include customer income/assets, resolved routine title issues including vesting, child support liens, judgement liens, mechanic liens and undisclosed liens
• Communicated with account executives and production staff to secure all required information and documents including mortgage note, settlement, statements, income and appraisal
• Completed denial and cancellation procedures on applicable files

Client Relationship Manager/Government Accounting/Loan Support Specialist -Bank of America 03/2004 to 02/2013