Justin Regnani
Spring Valley
Summary
Dynamic Quality Assurance Analyst with a proven track record at TD Bank, excelling in audit and compliance. Expert in underwriting and project management, I led a team to enhance process efficiency, achieving recognition for outstanding performance. Adept at implementing SBA SOP adherence, I drive quality initiatives with a focus on continuous improvement.
Overview
18
18
years of professional experience
Work History
Quality Assurance Analyst Commerical Loans
TD Bank
Remote
01.2025 - Current
- Conducted internal audits to assess compliance with established QA standards.
- Monitored production metrics for anomalies indicating potential quality issues.
- Compiled and tracked individual and team performance using quality monitoring system.
- Reported quality issues promptly with detailed descriptions and reproducible steps.
- Developed corrective and preventive action plans to address non-compliance issues.
- Maintained policies, procedures, and work instructions for continuous quality improvement.
- Streamlined processes to enhance efficiency and consistency in quality initiatives.
- Set product quality objectives, ensuring alignment with specifications.
Senior Quality Control Analyst
IBusiness Funding
Remote-Contract
01.2024 - 09.2024
- Conducted thorough reviews of SBA pre- and post-closing loan documentation for compliance with SBA SOP guidelines
- Analyzed third-party reporting and searches
- Collaborated with attorneys and closing departments to resolve incomplete documentation
- Partnered with external vendors to streamline processes and identify future opportunities
- Performed ROI analysis to ensure project viability and identify root causes when necessary
- Supervised a team of 12, overseeing and providing both training and support
- Performed ROI Analysis to make sure result made sense otherwise determined root cause
SBA Loan Quality Assurance
ApplePie Capital
Remote-Contract
06.2023 - 01.2024
- Provided comprehensive support for all assigned areas of SBA servicing
- Ensured financial statements, tax returns, and ticklers were current and accurate
- Monitored loans for potential risk rating changes
- Prepared detailed reports and developed corrective action plans as needed
VP Senior QC Auditor/ Business Analyst Residential Lending
First Republic Bank
Remote
10.2020 - 06.2023
- Achieved Colleague of the Quarter recognition for Q2, Q3, and Q4 in 2021.
- Managed a team of 22 coordinators, providing training and development support.
- Ensured compliance with federal, state, and local laws through consistent training adherence.
- Supported business unit leaders in implementing process improvements and change requests.
- Collaborated with external vendors to enhance operational efficiency through strategic initiatives.
- Championed technology projects, aligning them with organizational objectives.
- Conducted ROI analysis to evaluate project outcomes and identify underlying issues.
- Partnered with internal teams to address and resolve transaction concerns.
SBA Credit Underwriting / Residential Loan Servicing
Umpqua Bank
Remote
07.2019 - 04.2020
- Managed and analyzed financial data, assessing risk ratings for loans
- Conducted cash flow analysis and analyzed credit bureau data for informed decision-making
VP SBA / Residential Credit Underwriter
US Bank
Hybrid
07.2018 - 03.2019
- Managed and analyzed financials for a portfolio of 100+ projection loans
- Conducted ROI analysis to assess project viability and identify root causes as needed
AVP- Mortgage Underwriter/Closing
Mutual of Omaha Bank
Hybrid
06.2016 - 07.2018
- Underwrote mortgage loans to ensure compliance with lending guidelines
- Managed a pipeline of 30+ loans monthly, ensuring timely completions
Business Development
T-Mobile
Remote
09.2015 - 06.2016
- Developed strategic partnerships and initiatives to drive revenue growth
- Collaborated with cross-functional teams to enhance products and services
SBA Specialist
Bank of Internet
12.2014 - 08.2015
- Evaluated loan applications and collaborated with clients to facilitate the loan process
- Drafted commitment letters and managed documentation following loan approval
AVP- SBA Credit Analyst / Business Development
Wells Fargo Bank
08.2013 - 11.2014
- Consistently ranked in the top 3 for business lending and deposits in California
- Sourced leads and crafted tailored proposals to meet client needs
AVP- SBA Credit Analyst / Branch Manager
JP Morgan Chase
10.2011 - 08.2013
- Conducted SBA underwriting and credit analysis to assess loan eligibility
- Collected data from customers to support loan decisions
VP Branch Manager
Bank of America
07.2007 - 07.2011
- Achieved recognition as the highest-performing branch in California for two consecutive years
Education
Bachelor of Arts - Communciations
San Francisco State Univeristy
San Francisco, CA08-2013
Skills
- Underwriting
- Quality assurance
- Audit and compliance
- Credit analysis
- Project management
- SBA SOP adherence
- Process implementation
Timeline
Quality Assurance Analyst Commerical Loans
TD Bank
01.2025 - Current
Senior Quality Control Analyst
IBusiness Funding
01.2024 - 09.2024
SBA Loan Quality Assurance
ApplePie Capital
06.2023 - 01.2024
VP Senior QC Auditor/ Business Analyst Residential Lending
First Republic Bank
10.2020 - 06.2023
SBA Credit Underwriting / Residential Loan Servicing
Umpqua Bank
07.2019 - 04.2020
VP SBA / Residential Credit Underwriter
US Bank
07.2018 - 03.2019
AVP- Mortgage Underwriter/Closing
Mutual of Omaha Bank
06.2016 - 07.2018
Business Development
T-Mobile
09.2015 - 06.2016
SBA Specialist
Bank of Internet
12.2014 - 08.2015
AVP- SBA Credit Analyst / Business Development
Wells Fargo Bank
08.2013 - 11.2014
AVP- SBA Credit Analyst / Branch Manager
JP Morgan Chase
10.2011 - 08.2013
VP Branch Manager
Bank of America
07.2007 - 07.2011
Bachelor of Arts - Communciations
San Francisco State Univeristy