James Mahand
Birmingham,AL
Summary
FINANCIAL SERVICES INDUSTRY SENIOR ANALYST PRIVATE BANKING CONSUMER LENDING
Financial Stewardship | Quality Control | Technical Support Accomplished Financial Services Manager with progressive supervisory roles in the banking industry. Rapidly acquires and applies new knowledge and skills and is able to focus on producing quantifiable results. Broad-based business acumen with rare blend of analytical skills and management/leadership capabilities.
PROFESSIONAL HIGHLIGHTS Desktop Operation Knowledge Fannie Mae/Freddie Mac experienced Lexis Nexis Fraud Prevention Conventional/FHA Loan Due Diligence/Decision Quality Credit Risk Management Data Analysis & Reporting Loan Processing Support Document Processing/Audit Lending/Underwriting Expertise
Overview
18
18
years of professional experience
Work History
Loan Specialist
Small Business Administration
DC, WA
02.2023 - Current
- Reviewed initial PPP loan approvals and worked with lender to gather missing documentation
- Skilled at working independently and collaboratively in a team environment.
- Created loan submission packages for Underwriting team
- Ensured that loan approvals were within established lending guidelines
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
Mortgage Loan Servicing Rep
Synovus Financial Group
Birmingham, AL
04.2022 - 08.2022
- Review’s data and sets up loans moved to servicing via interface with Empower
- Runs escrow analysis to confirm financial data and verifies correct payment amounts, dates, and addresses
- Enters data necessary to register loans in MERS (Mortgage Electronic Registration System)
- Reviewed monthly change reports, ensured accurate adjustments to borrower notices and terms of note sent mailed out correctly
Income Underwriter Team Lead
Nationwide Mortgage Bankers
Melville, NY
02.2021 - 01.2022
- Credit analysis, used lexis nexis fraud prevention, reviewing and responding to general income calculation/documentation questions while maintaining thorough knowledge of investor income guidelines, Collected all required documentation for loan packages
- Assist Loan Officers and Loan Processors in calculating income per investor guidelines and specifications submit files to assigned Underwriter
- Ensured that approval falls within established lending guidelines
- Review, analyze and calculate income using complex income documentation, including personal and business tax returns, bank statements, audited/unaudited profit and loss statements, balance sheets, rental income documentation, etc
- And provide calculations to be used for qualifying purposes.
Team Lead/Loan Processor
Small Business Administration
DC, WA
05.2020 - 10.2020
- Review initial loan approval and work with borrower to gather appropriate documentation
- Collected all documentation for required loan packages
- Created detailed loan submission packages for underwriting department
- Submit files to assigned Underwriter
- Communicate with other professionals, including attorneys, county clerks and title companies
- Coached team members in techniques necessary to complete job tasks
- Worked different stations to provide optimal coverage and meet production goals
- Minimized resource and time losses by addressing employee or production issue directly and implementing timely solutions
- Designed strategic plan for component development practices to support future projects
Mortgage Loan Underwriter
BBVA USA
Birmingham, AL
06.2019 - 04.2020
- Experience independently underwriting residential mortgage loans, expert analytical skills with DU & LP experience
- Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss
- Responsible for ensuring all documentation meets program and AUS requirements
- Reviews and validates income and asset documentation
- Reviews AUS findings
- Issues underwriting decision and notifications of clear to close
- Reviews all credit documentation
- Ensure adherence to any client overlays
- Mortgage Insurance certs
- Issues Denials and 2nd tier manager reviews
- Suspend file if credit decisions are unable to be rendered
- Average monthly pipeline size 50 loans and closed 25 to 35 per month.
- Verified integrity of applicants' information to minimize fraud
Inventory Lead/Programming Technician/Assistant Clerk
AllComm Wireless
Birmingham, AL
09.2018 - 05.2019
- Led Inventory Operations to innovate new processes for increased production
- Professional handling of incoming customer questions about new radio products, software and services
- Inventory monitoring, Programming of Industrial and local mobile/portable radios to meet or exceed quality standards.
Financial/Account Ops Analyst
National Government Services
Birmingham, AL
11.2015 - 08.2018
- Implemented verifications of CPT Coding and modifiers to ensure claims are correct
- Trained new employees on updated operations, including work system processes and training guides
- Ensured information is received, validated using NGS’s Higlas AR system
- Quality review of information into systems.
Billing Analyst
Republic Services
Birmingham, AL
08.2015 - 10.2015
- Implemented operating procedures, preparing monthly billing adjustments
- Documented and obtained required approvals and entered adjustments into billing system
- Increased productivity from providing basic Desktop help, setup/Windows OS on computers
- Increased productivity on accounts Payable and Accounts Receivable transactions.
Mortgage Loan Underwriter
WELLS FARGO
Birmingham, AL
11.2010 - 08.2015
- Review and evaluate Conventional and FHA loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc
- Analyze customer’s loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation
- Used Lexi Nexis to identify potential fraud or misrepresentation
- Average monthly pipeline size 50 loans and closed 25 to 35 per month
- Processed and closed Conventional 50/50
- Review appraisals to ensure that loans meet secondary market, investor, and company standards
- Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages
- Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly
- Provide options and recommendations to borrowers regarding suitable loan programs
- Stay abreast of current regulations and industry trends that affect compliance and decision-making
- Verify that system input is accurate and that company systems match Automated Underwriting System (AUS)
- Use expertise to answer questions and resolve escalated issues from junior-level teammates and perform other duties as assigned.
Finance Analyst
PROTECTIVE LIFE
Birmingham, AL
02.2005 - 11.2010
- Demonstrated excellence in account processing, earning a promotion from Mail Center Clerk to Finance Analyst
- Organized retail and retirement account processing, to include ACH processing, fund transfers, deposits, reconciliations, ACH processing, wires, accounts payables and deposits
- Employed fraud prevention measures to protect customer privacy, while earning formal recognition from team leads.
Education
Associates - Computer Information Science
Lawson State Community College
Birmingham, ALCertificate of Achievement, Business Information Technologies - Business Administration
Lawson State Community College
Birmingham, ALSkills
- Credit History Assessment
- Telephone Etiquette
- Actuarial Science
- Data Security Practices
- Microsoft Office
- Explanation of Loans
- Customer Assistance
- Oracle PeopleSoft
- Judgment and Decision-Making
- Microsoft Outlook
- Analytical and Critical Thinking
- Loan Evaluations
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Timeline
Loan Specialist
Small Business Administration
02.2023 - Current
Mortgage Loan Servicing Rep
Synovus Financial Group
04.2022 - 08.2022
Income Underwriter Team Lead
Nationwide Mortgage Bankers
02.2021 - 01.2022
Team Lead/Loan Processor
Small Business Administration
05.2020 - 10.2020
Mortgage Loan Underwriter
BBVA USA
06.2019 - 04.2020
Inventory Lead/Programming Technician/Assistant Clerk
AllComm Wireless
09.2018 - 05.2019
Financial/Account Ops Analyst
National Government Services
11.2015 - 08.2018
Billing Analyst
Republic Services
08.2015 - 10.2015
Mortgage Loan Underwriter
WELLS FARGO
11.2010 - 08.2015
Finance Analyst
PROTECTIVE LIFE
02.2005 - 11.2010
Associates - Computer Information Science
Lawson State Community College
Certificate of Achievement, Business Information Technologies - Business Administration
Lawson State Community College
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