Jovan Washington

· Maintained and implemented risk assessments regarding client’s financial records to determine potential repay ability.

· Proficient in analyzing large datasets, trends, and risk exposure using Excel, SQL, and data visualization tools.

· Conveyed and interpreted financial statements to identify red flags and make sound risk-based decisions.

· Knowledge of regulatory compliance standards related to lending, credit evaluation, and data privacy.

· Strong understanding of lending principles, including identifying, analyzing, and mitigating financial and operational risks.

· Understanding and performing fraud assessments, and portfolio risk evaluations to assist with keeping a 100% performance metric across each quarter.

· Provided loan underwriting support and established open communication through multiple software channels.

· Executed debt-to-income and loan-to-value calculations for clients on a consistent basis to establish potential risk.

· Maintained all cash in bank branches and conducted daily audit checks to determine branch compliance for the CFPB.

· Facilitated investment banking and financial planning for clients, some subjected to home mortgages, auto loans, personal loans, and credit card lines of credit.

• Interpret and conducted credit scores checks, income verification, DTI ratios, and risk indicators.
• Calculating payments, interest, residual values, and trade‑in equity to establish monthly loan payments.
• Verified employment history, insurance, and validated identity documents.
• Knowledge of fraud, red flags and participated in identity verification procedures.