Eldia Decimus
Hainesport
Summary
Strategic leader in real estate finance with expertise in risk assessment and financial analysis. Delivers precise insights for investment decisions, enhancing profitability and regulatory compliance. Recognized for developing policies that improve operational efficiency and establishing key performance metrics to drive organizational success.
Overview
19
19
years of professional experience
Work History
Financial Analyst
Holman
Mt Laurel
04.2024 - Current
- Analyze client profitability by evaluating revenue streams, cost structures, and resource allocations, identifying opportunities to increase margins and reduce costs.
- Serve as a trusted financial resource for business units, resolving inquiries and providing guidance to enhance operational effectiveness
- Perform in-depth financial and operational analyses to support business decisions, driving improvements in efficiency and profitability.
- Execute diverse analytical tasks and special projects, delivering insights and recommendations that contribute to measurable performance gains.
- Serve as a trusted financial resource to business units, resolving inquiries and providing guidance that enhances operational effectiveness.
- Prepare detailed reports and executive presentations on profitability metrics and trends, enabling leadership to make informed financial decisions.
Appraisal Auditor/Analyst
Lakeview Loan Servicing
Horsham
11.2019 - 06.2023
- Maintain Advanced knowledge of banking regulations governing appraisals and Real Estate lending activities and appraisal valuation methodology and techniques.
- Analyzed reconsiderations of value requests from lenders or borrowers, evaluating supporting documentation like comparable sales, market trends, and property condition evidence to ensure accurate valuations.
- Produce detailed reports on complex or atypical property appraisals by applying advanced valuation analytics, researching market data, and delivering well-supported recommendations for warranted adjustments to appraised values.
- Led quality assurance initiatives for appraisal practices, identifying deficiencies and implementing corrective measures to uphold appraisal integrity and compliance with regulations.
- Developed and implemented valuation policies and procedures, enhancing operational efficiency and accuracy in residential property assessments.
- Served as a resource for less experienced team members through training and informal guidance.
Appraisal Analyst
TD Bank
Mount Laurel
02.2014 - 07.2019
- Conducted high-quality appraisals review, determining highest and best use, analyzing property and market characteristics, identifying environmental risks, applying accepted valuation methods, and supporting conclusions with well-documented appraisal/valuation reports.
- Reviewed diverse valuation products, including single-family, multi-family, manufactured homes, condominiums, and cooperative properties, utilizing advanced assessment tools such as Loan Underwriter and Loan Collateral Advisor to ensure accuracy and compliance.
- Analyze market trends, comparable sales, adjustment factors, depreciation impacts, and capitalization rates to evaluate collateral accuracy, identify valuation deficiencies, and support risk-based decisions aligned with GSE guidelines and quality standards.
- Led enterprise-level quality assurance programs for appraisal operations, identifying systemic deficiencies, strengthening collateral governance, and implementing corrective strategies that elevated appraisal integrity, enhanced risk controls, and ensured sustained compliance with GSE and regulatory standards.
Appraisal Underwriter
Stars Mortgage
Mount Laurel
09.2012 - 01.2014
- Conduct reviews of appraisal reports, property conditions, and functional designs to accurately determine the fair market value for collateral on all conventional and federal loans, enhancing loan security and compliance.
- Apply advanced valuation analytics and professional judgment to assess property characteristics, interpret market and comparable-sale indicators, and produce well-supported conclusions that enhance collateral valuation accuracy and decision quality.
- Achieve company targets by efficiently processing mortgage transactions daily, maintaining 100% quality assurance, demonstrating exceptional productivity and attention to detail.
- Assessed mortgage loan values and terms to optimize organizational profit while minimizing risk or loss, showcasing strategic thinking and risk management capabilities.
Foreclosure File Reviewer
Bank of America through a Temp Agency Adecco Staffing
Newark
11.2011 - 09.2012
- Responsible for loan servicing on loss mitigation and bankruptcy files.
- Facilitated effective communication with prospective purchasers, borrowers, and lenders, providing updates on file status and discussing remediation options, thereby improving customer service and stakeholder relations.
- Validated the appropriateness of fees and penalties in accordance with state and federal laws, documenting any deviations to ensure compliance and protect consumer rights.
- Maintained up-to-date and accurate loan records in the servicing system, ensuring all pertinent information was recorded, contributing to the efficiency and reliability of loan servicing operations.
- Prepared and meticulously reviewed foreclosure-related documents, ensuring documentation was complete and accurate, facilitating the foreclosure process while adhering to legal and regulatory standards.
Financial Representative/Underwriter
Springleaf Financial Services
Brooklyn
06.2007 - 11.2011
- Evaluated credit applications to determine eligibility for mortgages or personal loans, applying rigorous credit analysis and risk assessment principles to ensure financial prudence.
- Established and maintained strong customer relationships, demonstrating exceptional interpersonal skills and customer service during the loan processing phase.
- Facilitated seamless loan transactions, including processing requests, escrow reviews, payoffs/payments, and advances, through effective communication with customers.
- Ensured timely and accurate completion of loan documentation, maintaining high standards of operational efficiency and customer satisfaction.
- Conducted thorough reviews of credit reports and income tax documents for loan decisioning, ensuring comprehensive risk assessment and compliance with lending criteria.
- Conduct on-site property inspections to evaluate land suitability, marketability, and overall collateral condition, providing field-based insights that strengthen valuation accuracy and support GSE-aligned risk assessments.
Education
New Jersey Real Estate License -
Weichert Real Estate School
NJ01-2019
Bachelor of Science - Business Management and Finance
City University of New York Brooklyn College
Brooklyn, NY01-2006
Associate of Applied Science - Business Finance
College of Staten Island
Staten Island, NY01-2003
Skills
- Risk Assessment
- Financial Analysis
- Real Estate Appraisal
- Regulatory Compliance
- Quality Assurance
- Construction Project Oversight
- Policy Development
- Loan Processing
- Client Relationship Management
- Fraud Detection
- Strategic Planning
- Training & Development
- Communication
- Record Keeping
- Uniform Standards of Professional Appraisal Practice
- Valuation Techniques
- Process Improvement
- Team Leadership
- Decision Making
- Data Reconciliation
- Stakeholder Engagement
Timeline
Financial Analyst
Holman
04.2024 - Current
Appraisal Auditor/Analyst
Lakeview Loan Servicing
11.2019 - 06.2023
Appraisal Analyst
TD Bank
02.2014 - 07.2019
Appraisal Underwriter
Stars Mortgage
09.2012 - 01.2014
Foreclosure File Reviewer
Bank of America through a Temp Agency Adecco Staffing
11.2011 - 09.2012
Financial Representative/Underwriter
Springleaf Financial Services
06.2007 - 11.2011
New Jersey Real Estate License -
Weichert Real Estate School
Bachelor of Science - Business Management and Finance
City University of New York Brooklyn College
Associate of Applied Science - Business Finance
College of Staten Island