Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Elizabeth Davis

Humble

Summary

Knowledgeable Mortgage Loan Officer with a solid background in mortgage loan origination and client consultation. Expertise in guiding clients through the mortgage process, ensuring compliance with lending regulations, and closing loans efficiently, accompanied by a proven track record at NACA. Demonstrated proficiency in financial analysis and customer relationship management.

Overview

17
17
years of professional experience
1
1
Certification

Work History

Mortgage Loan Officer

NACA
09.2023 - Current
  • Guide clients (Members) toward achieving homeownership by creating clear, action plans tailored to their financial situations and long-term goals.
  • Utilized NACA-Lynx to perform accurate and efficient data entry, ensuring seamless, paperless processing of NACA Qualification and mortgage documentation.
  • Conducted in-depth financial assessments, including review of income, payment history, liabilities, and assets to determine readiness for homeownership and affordability.
  • Developed realistic monthly budgets and calculated cash flow surpluses to define affordable mortgage payments and help Members address spending issues.
  • Provided ongoing support and counseling to resolve credit and payment history issues, reduce debt, and identify savings strategies for down payments and closing costs.
  • Maintained clear documentation through written narratives and identified specific action items after each counseling session to guide Member progress.
  • Reviewed and processed Members’ applications for NACA Credit Access, ensuring both the Member and property met program criteria.
  • Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
  • Respond to lender conditions within 48 hours to maintain efficient processing timelines.
  • Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
  • Assisted Members throughout the mortgage process—from qualification and application submission to loan closing—ensuring all requirements were met and issues promptly resolved.
  • Provide guidance on mortgage product options to help Members make well-informed and sustainable home purchase decisions.
  • Maintained regular communication with Members during their home search to address any changes affecting qualification or affordability

Fraud Operations Specialist

Woodforest Bank
11.2018 - 08.2023
  • Identify potential fraud and risk items, as well as operational errors, with an emphasis on Regulation CC (Reg CC) compliance and utilization.
  • Monitor and resolve unique Reg CC-related issues that require in-depth research, analysis, and regulatory knowledge.
  • Demonstrate strong knowledge of bank operations, including procedures and controls related to funds availability, check clearing, check kiting detection, and check fraud mitigation.
  • Conduct thorough investigations into suspicious or irregular account activity, applying critical thinking to evaluate patterns and determine appropriate actions.
  • Ensure adherence to federal regulations and internal policies while supporting fraud prevention and operational risk initiatives.
  • Collaborate with internal teams and external institutions to resolve complex fraud cases, ensuring accurate documentation and timely resolution
  • Stayed abreast of emerging fraud trends to continuously refine detection methodologies and approaches.
  • Evaluated customer data to identify and prevent fraudulent activities.

Senior Operations Specialist

Chase Bank
07.2008 - 11.2018

Fraud Analyst

  • Proactively identify potential fraud, risk items, and transactional errors through strategic utilization of fraud detection tools and analytical review of check deposit activity.
  • Assess and investigate suspicious transactions, applying sound judgment to make timely decisions that protect both the customer and the financial institution.
  • Balance fraud mitigation with customer experience, ensuring actions taken are in alignment with bank policies, regulatory guidelines, and overall risk tolerance.
  • Collaborate with internal departments to escalate and resolve complex fraud scenarios efficiently and effectively.
  • Maintain a high level of accuracy, critical thinking, and responsiveness in a fast-paced, high-risk environment.

Customer Due Diligence & AML Compliance

  • Conduct thorough Customer Due Diligence (CDD) reviews in alignment with current KYC (Know Your Customer) and AML (Anti-Money Laundering) policies and regulatory requirements.
  • Leverage extensive experience in detailed investigations to detect and escalate suspicious activity, ensuring timely and accurate reporting of potential financial crimes.
  • Perform comprehensive risk assessments to determine customer risk profiles and recommend appropriate action based on findings.
  • Communicate effectively with branch managers, bankers, and internal teams via phone and email to gather information, provide guidance, and enforce compliance policies.
  • Support ongoing training and development initiatives to promote awareness of AML and fraud prevention practices.
  • Maintain a strong understanding of evolving regulatory landscapes, contributing to process improvements and operational risk mitigation

Chase Private Client – Onboarding & Compliance Support

  • Reviewed and verified KYC/AML documentation for accuracy and completeness in accordance with regulatory standards and internal policies.
  • Facilitated the onboarding process for new Chase Private Client (CPC) customers, ensuring seamless integration into the CPC program.
  • Assigned new clients to appropriate CPC bankers, cost centers, and branches to support personalized service and operational efficiency.
  • Maintained detailed records and ensured compliance with all onboarding and due diligence requirements.
  • Collaborated with internal teams to resolve documentation issues and improve the client onboarding experience.

Account Closure

  • Prepared daily closed account reports to identify remaining balances and determine refund amounts owed to customers.
  • Processed check writer reports and generate refund checks based on the previous day’s account closures.
  • Printed, verified, and mailed refund checks, ensuring accuracy and timely delivery per bank procedures.
  • Maintained detailed records of processed refunds and ensured compliance with internal financial controls and audit requirements.
  • Collaborated with internal departments to resolve discrepancies and support seamless account closure operations.

Compromised Account Recovery & Fraud Support

  • Reviewed reports and communications from bankers regarding compromised accounts to assess and validate potential fraud or security breaches.
  • Efficiently closed affected accounts and associated debit cards to prevent further unauthorized activity.
  • Reopened mirror accounts with identical features to ensure continuity and minimal disruption to the customer experience.
  • Maintained accuracy and speed throughout the process to ensure no negative impact on the customer or their banking relationship.
  • Collaborated with internal teams to ensure secure, compliant, and customer-focused resolutions

Indirect Customer Service Banker

  • Performed document verification for consumer and business banking accounts, ensuring accuracy and compliance for both new and existing customers.
  • Provided administrative support to the Telephone Banking team, assisting with account maintenance requests and customer service tasks.
  • Opened and closed a variety of account types offered by Chase, following established procedures and regulatory guidelines.
  • Handled incoming, returned, and outgoing mail, including sorting, processing, and accurate routing.
  • Executed manual and machine-based letter folding for bulk mailings, supporting operational efficiency and timely communications

Education

Tuloso-Midway High School
Corpus Christi, TX

No Degree - Accounting And Finance

Del Mar College
Corpus Christi, TX

Certificate - Accounting And Finance

Southern Careers Institute
TX
06-2000

Skills

  • Goal oriented
  • Relationship selling
  • Residential mortgage lending regulations
  • Financial analysis
  • Document review
  • Regulatory compliance
  • Licensed mortgage loan originator
  • Document analysis
  • Underwriting
  • Credit checks
  • Loan product promotion
  • Credit evaluation
  • Pipeline management
  • Loan origination

Certification

  • Licensed Mortgage Loan Originator NMLS #2539468
  • Certified HUD Counselor HC ID: 84N6JI

Timeline

Mortgage Loan Officer

NACA
09.2023 - Current

Fraud Operations Specialist

Woodforest Bank
11.2018 - 08.2023

Senior Operations Specialist

Chase Bank
07.2008 - 11.2018

Tuloso-Midway High School

No Degree - Accounting And Finance

Del Mar College

Certificate - Accounting And Finance

Southern Careers Institute