Maria Maliouk
Marblehead,MA
Summary
Highly motivated individual with 10+ experience in the financial and banking industries - detail oriented, ambitious analyst with superior problem-solving skills, exceptional communication skills, and mathematical acumen. Has extensive experience in process improvements, audit, financial analysis using Excel, and data analysis; looking to expand skills to investment and wealth management opportunities.
Overview
14
14
years of professional experience
Work History
System and Process Control Specialist
Salem Five Bank
06.2019 - Current
- Support commercial lending in boarding and processing of 1,318 SBA loans, totaling over $300 million to assure timely and accurate processing
- Ensure department-wide regulatory including CFPB, Dodd Frank, Reg Z, RESPA, GLBA, and Investor guidelines
- Manage team members access to customer’s PII account data and validate proper system controls placement
- Audit and automate existing operational processes and propose improvements to raise operational efficiency
- Provide first level of audit and accounting reconciliation on loan operations transactions and processes
- Provide feedback for Annual Business Continuity Plan review
- Draft daily/monthly loan operations reports by collecting, analyzing, and summarizing information
- Supervise designated personnel to ensure accuracy and timely assignments completion
- Train new team members on the business processes and system applications usage.
Default Management, Sr. Servicing Specialist, II
Eastern Bank
02.2016 - 06.2019
- Performed Recovery audit on 1000+ Eastern Bank auto loans, resulting in $600,000 in recovered funds
- Maintained delinquency of a $1.5B portfolio including mortgages, equity lines and loans, indirect auto loans, manufactured homes, secured and unsecured loans, and overdraft accounts
- Assisted customers in identifying alternative methods to minimize default incidents for foreclosure and or repossession for long- and short-term hardships
- The method includes but is not limited to loan modifications, short sales, forbearance plans, repayment plans, and Deed in Lieu workouts
- Mitigated potential losses on delinquent loans by evaluating the financial position of mortgagors to determine the appropriate workout alternatives and options best suited for a resolution
- Liaison with attorneys regarding litigation.
Product Pricing Analyst
Granite Telecommunications
04.2010 - 01.2011
- Led project aimed at implementing better pricing for new services offered
- Led financial analysis of current pricing for all services and forecasted effectiveness if any changes may occur
- Reconciled service rates and tariffs to ensure data integrity with vendors
- Assisted other departments in resolving discrepancies to increase pricing accuracy.
Education
Master of Science in Business Ethics and Compliance -
Cambridge College, Boston
Bachelor of Arts in Economics -
University of Massachusetts, Boston
Paralegal Certificate Program -
North Shore Community College, Danvers
Skills
- Research
- Statistical
- Financial
- Legal
- Pricing
- Operational efficiency
- MS Dynamics
- Optima
- Metavante
- Encompass
- FISERV
- MS Office suite
Languages
Russian
Professional
Ukrainian
Professional
Affiliations
- Yoga
- Dancing
Timeline
System and Process Control Specialist
Salem Five Bank
06.2019 - Current
Default Management, Sr. Servicing Specialist, II
Eastern Bank
02.2016 - 06.2019
Product Pricing Analyst
Granite Telecommunications
04.2010 - 01.2011
Master of Science in Business Ethics and Compliance -
Cambridge College, Boston
Bachelor of Arts in Economics -
University of Massachusetts, Boston
Paralegal Certificate Program -
North Shore Community College, Danvers
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