Kapria Griggs
Frisco
Summary
Dedicated professional prepared to bring extensive expertise and results-oriented approach to Specialist role. Known for effectively managing tasks and supporting organizational goals through collaborative efforts and adaptive strategies. Recognized for excellent communication and analytical skills, ensuring seamless operations and consistent outcomes.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Sr. Business Controls Specialist QA/QC Sr. Testin
Bank of America
10.2023 - Current
- Oversees the design and effectiveness of the risk and control environment to support Client Operational Services and ensure adherence to enterprise-wide standards
- Supports the monitoring and testing of controls by evaluating data to identify issues and control improvements for remediation
- Implements optimized controls and enhanced Quality Assurance (QA) practices to support business continuity efforts
- Conducts and coordinates quality inspection reviews to enhance employee performance and control effectiveness
- Performs QA activities including executing on controls, managing cases, and reporting results
- Executes initiatives by identifying areas of potential testing automation, procedural updates, thematic trends, test script updates, and coaching opportunities to enhance QA program success
- Supports the overall management of and research required for regulatory exams, internal audits, and other monitoring and inspection reviews and evaluates data and information relevant to inspection metrics to support governance activities for dashboard reporting
- Followed all company policies and procedures to deliver quality work.
- Collaborated with cross-functional teams to achieve project goals on time and within budget.
- Implemented new training programs for staff, leading to higher employee retention rates and better overall performance.
- Championed the adoption of new software tools that streamlined workflows across multiple departments.
- Increased efficiency by automating routine tasks with software solutions.
- Assisted in developing strategic plan that aligned with long-term company goals.
- Led quality assurance efforts, maintaining high standards for all products and services.
Project Manager/Credit Risk Analyst
Solera Auto Finance
06.2022 - 10.2022
- Implemented project plans within preset budgets and deadlines; performed on-site and off-site tasks within a project, including product design, specification, and creation of deliverables
- Increasing the Bank's profitability by cultivating and increasing new business relationships
- Maintain and develop customer relationships, new business, and periodic review of existing loan arrangements
- Negotiate proper loan structures, promoting the Bank's credit and non-credit products
- Stayed abreast of corporate banking knowledge, credit and non-credit products, trust, real estate, treasury management, and other bank functions
- Developed risk models for accurate credit scoring and improved decision-making processes.
- Enhanced portfolio performance with diligent monitoring and proactive risk mitigation measures.
- Optimized internal controls within the organization''s credit processes by implementing robust systems checks and balances.
- Built team and developed talent and focus on continuous improvements in people, processes, and technology
- Identified portfolio risks resulting from clients' underlying business practices, underwriting investigations, or fraud exposure
- Used conflict resolution skills to resolve disputes between employees, clients, and staff, typically within minutes of being made aware of the issue
- Learned to identify improvements, and cost-saving initiatives to positively impact the project budget and schedule
- Liaised between project sponsors, stakeholders, program managers, and analysts establishing a strong professional relationship
- Ensured projects were being documented appropriately to mitigate risk and to be delivered on time.
- Display a passion for coaching and developing a team of associates through their leadership style
- Prepared detailed reports on portfolio performance, highlighting areas of concern and suggesting possible solutions for improvement.
- Successfully managed multiple projects simultaneously by prioritizing tasks according to urgency, resource availability, and alignment with organizational goals.
- Planned, designed, and scheduled phases for large projects.
Project Manager/Post Closing Manager
Fugo Services
01.2022 - 05.2022
- Overseen the end-to-end project management from initiation, and planning to execution; collaborated with vendors, suppliers, and internal/external project teams; to ensure the on-time delivery of the projects
- Developed detailed project plans with timelines and milestones that align with overall business objectives and priorities
- Articulated the product roadmap with stakeholders in a way that enables understanding and positive engagement whilst maintaining a focus on the outcomes of the projects
- Strategically ensured all deliverables are met within established time frames through effective resource planning and prioritization as well as appropriate escalation when required
- Spearheaded RAID Management: monitored and tracked risks and issues regularly, facilitating meetings and ensuring that appropriate contingencies and mitigation are in place
- Ensured 100% of development teams practice core agile principles of collaboration, prioritization, team accountability, and visibility
- Prepared cost estimates, scheduled project tasks, allocate resources to team members, and monitor projects to ensure they are completed on time and under budget
- Consulted with outside vendors to identify and resolve loan closing issues
- Produced and submitted completed loan packages to title and escrow professionals
- Completed paperwork, recognizing discrepancies and promptly addressing them for resolution
Underwriter
Keller Mortgage
01.2019 - 08.2021
- Successfully closed an average of 60 loans per month while preventing operational and counterpart risk
- Evaluate debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwriting.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
Post Closing Underwriter
Supreme Lending
06.2017 - 01.2019
- Provided all missing documents and requirements to process loan purchase
- Monitored files for Investor suspensions
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
- Determined and documented loan conditions and communicated requirements and decisions.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
Credit Risk Analyst
Nissan Motor Acceptance
04.2014 - 05.2017
- Made decisions along with recommendations about extending lines of credit
- Controlled credit exposure by providing financial order management support to minimize risk by obtaining timely payment
- Provide accountability for decisions using credit covering approval authority in tandem with Independent Risk
- Directly manage the analysis and workflow of underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and, extensions, perform annual reviews and other credit requests, including the related diligence
- Conduct weekly client calls on all portfolio clients and select new to bank opportunities in partnership with the Relationship Manager
Mortgage Underwriter
Wingspan Mortgage
10.2010 - 01.2014
- Trained junior team members in underwriting procedures and loan quality grading standards
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status
Education
BBA - Finance
Colorado Technical University
Colorado Springs, CO01.2022
High School Diploma -
Central High School
Keller, TX01.2007
Skills
- Project planning and development
- Project management
- Project scheduling
- Team collaboration
- Work flow planning
- Advanced problem solving
- Compliance assessments
- Contract negotiation expertise
- Customer relations
- Scrum
- MS Office (Word, Excel, PowerPoint, Outlook)
- Conflict Resolution
- Waterfall Methodology
- Decision Making
- Customer Relationship Management
- Problem Solving
- Ability to Work Under Pressure
- Collaboration & Teamwork
- Communication Skills
- Facilitation
- Scaled Agile
- Quality Assurance
- Complex Problem Solving
- Negotiation / Influencing
- Project Monitoring & Evaluation
- Stakeholder Management RACI
- Project tracking
- Relationship building
- Strategic planning
- Schedule management
- Client relations
- Stakeholder communications
Accomplishments
- Enforced Agile mindset that resulted in a reduction of Cycle time by 25% thus increasing the team's throughput in less than 10 weeks.
- I was nominated for the company-wide 'Shine Bright' award that's given to the person considered most friendly and easy-going.
- Independently collaborated with cross-functional teams to raise client ROI by 27% within a defined deadline and delivery targets.
Certification
- Project Management Professional (PMP) - Project Management Institute.
Timeline
Sr. Business Controls Specialist QA/QC Sr. Testin
Bank of America
10.2023 - Current
Project Manager/Credit Risk Analyst
Solera Auto Finance
06.2022 - 10.2022
Project Manager/Post Closing Manager
Fugo Services
01.2022 - 05.2022
Underwriter
Keller Mortgage
01.2019 - 08.2021
Post Closing Underwriter
Supreme Lending
06.2017 - 01.2019
Credit Risk Analyst
Nissan Motor Acceptance
04.2014 - 05.2017
Mortgage Underwriter
Wingspan Mortgage
10.2010 - 01.2014
High School Diploma -
Central High School
BBA - Finance
Colorado Technical University
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