Summary
Overview
Work History
Education
Skills
Activities And Hobbies
Work Availability
Timeline
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Keydra Simmons

Summary


Diligent and experienced banking professional with comprehensive background in global financial crimes investigations, home equity underwriting, and Loss Mitigation/ Foreclosure Prevention with a proven ability to uncover and mitigate financial threats through thorough analysis and strategic planning. Demonstrated expertise in risk assessment and regulatory compliance.

Overview

16
16
years of professional experience

Work History

Global Financial Crimes Investigator

Bank of America
04.2024 - 04.2025
  • Reduced financial crime incidents by meticulously reviewing customer profiles and identifying potential threats.
  • Implemented robust risk assessment methodologies, significantly reducing exposure to financial crimes.
  • Championed a culture of compliance within the organization, fostering awareness about the impact of financial crimes on business operations.
  • Conducted comprehensive investigations into suspicious transactions, leading to successful case resolutions.
  • Analyzed financial statements, bank records, and government databases to identify fraud and other instances of financial crimes.
  • Executed training coursework and attended staff meetings to maintain up-to-date knowledge on methodologies and trends, including tandas, human trafficking, and misuse of gambling proceeds.
  • Regularly attained score of 100% on Quality Control evaluations.


High Net Worth Home Equity Underwriter

Merrill Lynch
01.2022 - 03.2024
  • 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.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
  • Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.

Consumer Loan Underwriter Sr.

Huntington National Bank
04.2014 - 12.2021
  • Lending Authority to underwrite up to $350000 in home equity loan products and $50000 in unsecured loans.
  • Knowledge of all standard mortgage loan documents including, but not limited to: appraisals, title reports, income verification, purchase contracts, lease agreements, trusts, warranty deeds, etc.
  • Ability to accurately interpret, apply and explain policy/procedures to both internal and external customers.
  • Ability to work in a high-volume environment with minimal supervision, while maintaining production service levels.
  • Adhere to bank policies and procedures and comply with legal and regulatory requirements.
  • Strong organizational skills with ability to multi-task, plan and provide consistent follow-up.
  • Review, analyze, underwrite, evaluate, approve and deny Home Equity loan applications in accordance with HNB guidelines, business and credit standards, and applicable laws and regulations.
  • Cross trained on fraud policy and procedures and filled in on the team whenever called upon.

Home Savers Analyst Sr.

Huntington National Bank
04.2009 - 04.2014
  • Primary contact with borrower to determine hardship and future ability to pay.
  • Advised clients as well as internal essential partners throughout the footprint about Huntington programs, as well as options through the Federal and State government such as MHSDA and OFHA.
  • Collaborated across teams to share information and coordinate on new initiatives and strategies and to represent Consumer at the monthly Charge off and Foreclosure Bid Meetings.
  • Consistently exceeded monthly productivity standard.
  • In 2010, was 115% over goal.
  • Promoted from Analyst to Analyst Sr (underwriter).

Education

B.S. - Human Resources Management, International Business

Franklin University
05.2006

Skills

  • Pipeline Management
  • Customer Service Oriented
  • Ability to attain knowledge and share with coworkers
  • Relationship building skills
  • Ability to counsel and educate customers
  • Self-driven to meet standards of quality and productivity
  • Suspicious activity reporting
  • Transaction monitoring
  • Know your customer
  • Bank secrecy act
  • Due diligence
  • Anti-money laundering

Activities And Hobbies

  • Volunteerism
  • International Travel
  • Vegetable Gardening
  • Genealogy

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Global Financial Crimes Investigator

Bank of America
04.2024 - 04.2025

High Net Worth Home Equity Underwriter

Merrill Lynch
01.2022 - 03.2024

Consumer Loan Underwriter Sr.

Huntington National Bank
04.2014 - 12.2021

Home Savers Analyst Sr.

Huntington National Bank
04.2009 - 04.2014

B.S. - Human Resources Management, International Business

Franklin University

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