Eldia Decimus
Hainesport,NJ
Summary
Exceptional knowledge of risk management techniques, loan documents, collateral instruments, and banking and financial reports. My experience includes analyzing risk and solving problems within the financial industry by utilizing skills and education in researching, reviewing, analyzing, synthesizing and preparing legal documents. Experienced Professional focused on improving business compliance, workflow and processes through detailed audits and optimization recommendations. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Appraisal Auditor: Ending Salary: $69,000
Lakeview Loan Servicing
11.2019 - 08.2023
- Completed real estate transactions, such as home purchases and home equity line of credits, by conducting risk assessments and Auditing appraisal reports in order to draw logical conclusions in determining valuations techniques utilized
- Interpreted mortgage laws, regulations, methods and policies governing audit-appraisals
- Oversee construction projects to ensure condo projects are complete according to Fannie Mae, Freddie Mac, Veteran Affair, and Housing Urban Development guidelines
- Trained new employees on loan products, underwriting guidelines, internal policies and procedures, and regulatory requirements
- Served as a resource person for less experienced appraisal auditors by responding to their questions and providing feedback and Responsible for coordinating training and reviewing specific elements of their work for accuracy and completeness
- Processed disputes and coordinate with federal mortgage entities to address their concerns on mortgage processing documentation
- Participated in development and implementation of new policies, and procedures, relating to valuation of residential properties.
Collateral Analyst: Ending Salary: $53,000
TD Bank
02.2014 - 07.2019
- While using comprehensive tools and complex methodologies, I evaluated fair market value of real estate collateral for mortgage purposes
- Prepared detailed audit reports and write correspondence based on market research using comparable sales, tax assessments and cost approach
- Complied with bank policies and procedures and ensured that appraisal reports comply with Uniform Standards of Professional Appraisal Practice
- Review valuation documents using quality control processes to detect errors and fraud
- Utilized accounting methods and procedures for determining depreciation, appreciation and replacement costs on real estate property in order conduct sales comparison approach.
Appraisal Underwriter: Ending Salary: $51,000
Stars Mortgage
09.2012 - 01.2014
- Reviewed quality of appraisal reports, overall condition of residential properties, and its functional design in order to evaluate fair market value to serve as collateral for all conventional and federal loans
- Ensured company met annual quota by processing eight mortgage transactions per day with 100% quality assurance
- Evaluated mortgage loans values and terms in order to maximize organizational profit and minimize risk or loss
- Responsible for approving, suspending, and declining loans based on requested loan amount and property value.
Foreclosure File Reviewer: Ending Salary: $58,000
Bank of America
11.2011 - 09.2012
- Reviewed and reconcile reports between loan servicing system to ensure quality
- Communicated with prospective purchasers, borrowers, and lenders regarding file status and remediation options
- Validated that fees and penalties were reasonable, customary and within applicable state and federal laws, and documented any exceptions
- Prepare and review foreclosure related documents
- Record pertinent information in loan servicing system to maintain accurate and current records.
Financial Representative: Ending Salary: $38,000
Springleaf Financial Fka American General Finance
06.2007 - 11.2011
- Reviewed credit applications to determine whether customers qualified for mortgage or personal loan
- Communicated with customer to process loan requests, escrow review, loan payoffs/payments, and loan advances
- Completed loans documents timely and accurate and performed post closing reviews on colleagues files
- Reviewed credit report and income tax documentation for purposes of establishing loan decisions.
Education
Bachelor of Science - Business Management and Finance
BROOKLYN COLLEGE
Brooklyn, NY06.2006
Associate of Applied Science - Business Finance
COLLEGE OF STATEN ISLAND
Staten Island, NY2003
Skills
- Appraisal Methodologies
- Risk Management & Mitigation
- Complex Problem-Solving
- Quantitative and Qualitative Analysis
- Microsoft Office Suite and Outlook
- Encompass
- Collateral Underwriter
- Credit Analysis
- Financial Analysis
- Internal Audit
- Data Analysis
Certification
- CNP - Certified Notary Public of New Jersey
- Real Estate License - (inactive)
- Uniform Standards of Professional Appraisal Practice Certification
Timeline
Appraisal Auditor: Ending Salary: $69,000
Lakeview Loan Servicing
11.2019 - 08.2023
Collateral Analyst: Ending Salary: $53,000
TD Bank
02.2014 - 07.2019
Appraisal Underwriter: Ending Salary: $51,000
Stars Mortgage
09.2012 - 01.2014
Foreclosure File Reviewer: Ending Salary: $58,000
Bank of America
11.2011 - 09.2012
Financial Representative: Ending Salary: $38,000
Springleaf Financial Fka American General Finance
06.2007 - 11.2011
Bachelor of Science - Business Management and Finance
BROOKLYN COLLEGE
Associate of Applied Science - Business Finance
COLLEGE OF STATEN ISLAND
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