LAURA Mallek-King

• Company Overview: Consumer & Community Banking
• Supported business functions including Bankruptcy, Executive Office, OCC, and Foreclosure through specialized underwriting services
• Final Doc Fail reviews/reworks, system maintenance issues, court-approved terms, and disaster loans.
• Small Balance and Matured loans, as well as COVID-19 Specialty modifications, in addition to daily inventory reviews.
• UAT Testing / Script writing; ALM, REM AD, AD, MSP, and ER; currently testing ER/AD decisions in ER/User tool workbook.
• Implementing and testing product rollouts, decommissions, and forensic reviews involving DOJ/Treasury, OCC, Audit, and management for various lines of business.
• Handle team intake and workload assignments, review management reporting, report discrepancies to appropriate departments.
• Experience in writing/updating procedures
• Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
• Communicated effectively with lenders, brokers and other external partners involved in transactions.
• Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
• Analyzed financial information including income, assets, liabilities and credit history of applicants.

• Supervised and managed team of over 10 members conducting FDIC claims reviews.
• Oversaw payroll functions and managed team operations of 10+ employees.
• Coordinated with claims representatives and team leads to produce timely reports for FDIC DRR Claims department.
• Our team was involved in over 200 bank closings in two and a half years.
• Analyzed and developed financial reports to identify potential uninsured depositors before closing multi-million-dollar financial institutions.
• Oversight reviewer – review staff reports to correct miscalculations and inaccuracies, and enter correct data into the FDIC Receivership Liability System (RLS).
• Led special project for Indy Mac by creating an alpha/numeric file system organizing 60,000 documents.
• Maintained active FBI security clearance.
• Executed responsibilities successfully under contract agreement.

• Assessed alignment of loan programs with investor specifications.
• Enforced compliance with conditions post loan pool assessment.

Teamed up with lenders, senior bank executives, and partners.

• Resolved curative challenges by collaborating with stakeholders during loan origination.
• Evaluated borrower credit profiles comprehensively for risk assessment.
• Reviewed property appraisals to ensure accurate valuation and compliance with standards.
• Evaluated risk factors and proposed solutions.
• Analyzed risk and adhered to underwriting standards to drive risk selection and profitability.

• Supported applicants in navigating Down Payment Assistance Program requirements.
• Oversaw entire loan application handling from documentation to processing.
• Assigned responsibility for managing Manufactured Home and Sub-Prime programs across the Southeast region.
• Specialized in FHA and subprime loan programs.
• Built and nurtured relationships with prospective clients to drive loan growth.
• Analyzed credit histories, income statements, and financial information of loan applicants.
• Advised clients on strategies for managing debt.