J. Wayne Rial
Mt. Juliet,TN
Summary
Results-driven Loan Specialist known for high productivity and efficient task completion. Excel in risk assessment, financial analysis, and regulatory compliance. Strong communication, problem-solving, and negotiation skills enable successful interactions with financial institutions. Committed to maintaining confidentiality and integrity in all dealings.
Overview
26
26
years of professional experience
Work History
Loan Specialist/Auditor - VA Home Loan Program
VA, Nashville Monitoring Unit
Nashville, TN
10.2001 - Current
- Conduct yearly, travel and in-house audits of randomly selected lending institutions throughout the US Plan and coordinate Team Leader duties on travel as assigned such as travel arrangements, pre-audit coordination with the lender, preparing audit folders for team members with all pertinent information for conducting the audit, meeting with lender liaison throughout the audit visit to field questions or concerns that may arise, audit loan files, perform exit interview with the lender on last audit day, performing post-audit functions including post audit reviews, gathering audit summaries from team members, preparing preliminary report from audit findings and submitting them for review to the Senior Loan ReviewerThe Team Leader also prepares a final report upon receipt of the lender response of the preliminary reportAs a Team Member of a travel audit I review the loans on-site submit findings upon return to the team leader in the form of a summary and do post-audit reviews when applicableI also perform at least four In-house audits a year in which the duties are the same as a Team Leader on a travel audit minus the travel arrangements, no team members are involved with in-house auditsOn numerous occasions I have been called upon to carry out the duties as Team Leader when assigned Team Leader was unable to perform these duties
Loan Specialist - VA Home Loan Program
VA, Roanoke Regional Loan Center
Roanoke, VA
03.1998 - 09.2001
- Audit loans in early default to determine lender VA Policy compliance Research marginally qualifying loans to determine Veteran eligibility Plan and conduct out-based lender training in target locations Assist in planning and conducting DC based satellite broadcast training
Underwriter - VA Home Loan Program
VA, Winston-Salem Regional Office
Winston-Salem, North Carolina
1997 - 02.1998
- Review and underwrite loans for VA Home Loan Program Assisted in transition of closing of department at this location
Eligibility Specialist - VA Home Loan Program
VA, Winston-Salem Regional Office
Winston-Salem, North Carolina
1995 - 1997
- Issued all Eligibility Certificates for NC
- Only Eligibility Clerk in this state
- Developed systems to reduce issuances from 1,100+ pending to 0 Trained other personnel in eligibility procedures and requirements
Construction Evaluation Asst. - VA Home Loan Prog.
VA, Winston-Salem Regional Office
Winston-Salem, North Carolina
1992 - 1995
- Assisted Analysts in all areas of Construction Evaluation Assisted Veterans in gaining information on Specially Adaptive Housing Promoted from Clerk position
Education
B.S. - Radio and Television Production
Western Carolina University
Cullowhee, NC01.1989
Skills
- Real Estate Loans
- Credit analysis
- Telephone and email etiquette
- Payment Scheduling
- Data security practices
- Customer Assistance
- Financial Assessment
- Loan Underwriting
- Documentation Review
- Loan Processing
- Loan approvals
- Effective Communication
- Issue Resolution
- Credit option explanation
Continuing Education/Awards
- NCO School, USMC
- Patriotic Service Award 5/93
- Spec Cont Award 8/98
- Spec Cont Award 6/99
- Spec Cont Award 8/99
- Spec Cont Award 8/00
- Spec Cont Award 4/01
- Spec Cont Award 6/01
- Team Leader Training 10/94
- Instructors Development Course 5/00
- Satellite Broadcast Course 2/01
- Civic Comm Member 1999/00/01
- EEO Comm Apointee 2000/2001
- Nat'l Satellite Broadcast Planning/Training Team 2001/02
Military Service
10/01/1981, 05/01/1985, United States Marine Corp, Sea Service Deployment, Good Conduct, Expeditionary, Marine of the Month 12/82, Marine of the Month 01/83, Marine of the Month 02/83, Honorably Discharged (with disability) at rank of Corporal
Timeline
Loan Specialist/Auditor - VA Home Loan Program
VA, Nashville Monitoring Unit
10.2001 - Current
Loan Specialist - VA Home Loan Program
VA, Roanoke Regional Loan Center
03.1998 - 09.2001
Underwriter - VA Home Loan Program
VA, Winston-Salem Regional Office
1997 - 02.1998
Eligibility Specialist - VA Home Loan Program
VA, Winston-Salem Regional Office
1995 - 1997
Construction Evaluation Asst. - VA Home Loan Prog.
VA, Winston-Salem Regional Office
1992 - 1995
B.S. - Radio and Television Production
Western Carolina University
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