Mark Porter
Desoto,US
Summary
Credit Analyst with over 12 years of expertise in financial analysis and risk assessment, excelling in mortgage lending and credit operations. Adept at utilizing Microsoft Excel and Desktop Underwriting to enhance credit decision processes, while maintaining strong communication and organizational skills. Committed to advancing credit risk management strategies and fostering collaborative relationships with stakeholders to drive financial success.
Overview
13
13
years of professional experience
1
1
Certification
Work History
CREDIT ANALYST/CREDIT INVESTIGATION
TOYOTA CORPORATION
Plano, US
06.2022 - Current
- Respond to requests for additional Investigation (Returned via ARW when investigation request is received to the Credit Analyst (CA) advising that it is outside of scope
- Verify phone number, Income and Residence, Extended Fraud Alerts, Initial Fraud Alerts and Active-Duty Military Fraud Alerts
- Reviewed Customer Financial data to ascertain levels of risk involved for extending credit
- Requested financial documents from customers
- Prepared financial ratios and spreads using computer programs to evaluate customer financial status
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation, Assessed customer credit files regularly to review receivables
- Monitoring the lending activities of an organization and ensuring that businesses operate within the right credit risk
- Developing advanced analytics and modeling of credit and retailer risk strategy and policies
LOSS MITIGATION REP/ LOAN OFFICER
CALIBER HOME LOANS
Irving, US
06.2018 - 05.2022
- Responsible for collecting, reviewing, and verifying documents required to successfully close an investment
- Additionally contact homeowners to assist with questions or troubleshoot on documents requested to underwrite and fund the option investment
- Order preliminary title reports, review, and perform curative work to clear title issues
- Work closely with internal stake holders as well as title companies and other vendors and external stakeholders to address and solve challenges associated with applicable
- Handles all Inbound and Outbound calls to resolve delinquencies and offer workout alternatives to foreclosure
- Review accounts, research documents and system notes to determine the best course of action to correct account issues
- Review of system queue progress, based on assignments
- Obtain relevant information and evaluate applicants' financial status, including credit history, debt-to-income ratio, and appraisal reports, to relationships with existing and past clients
CREDIT ANALYST / LOAN PROCESSOR
MR. COOPER MORTGAGE
Irving, US
04.2016 - 05.2018
- Complete Loan Structuring activities to include re-disclosures, resolving compliance issues, prep for Underwriting completion of Closing Disclosures and preparation of the file for loan closing
- Analyze and resolve issues with loan verification documentation (Such as title reports, homeowners' insurance, property taxes, credit/ pay histories, income, employment and appraisal) to ensure compliance with all applicable program guidelines as well as federal and state regulation)
- Provide feedback to management on how to improve flash workflows & processes to deliver improved service to our customers
- Calculating loan payments and recommending appropriate down payment and types of loans to meet borrower's needs
- Operate in compliance with laws an regulations and adhere to lending compliance guidelines
ACCOUNT CONSULTANT
Wage Works, Inc
Irving, US
01.2016 - 03.2016
- Partner with the relationship manager and internal product and marketing teams to drive and track client's product growth and participation
- Serve as the day-to-day client contact to ensure satisfaction by understanding the unique needs of the clients' benefits strategy
- Answers all incoming concerns and needs from all customers; receives inquiries, orders and complaints from customers either via phone or email; investigates various sources for information, responds to issues and provides support for resolution; answers inquiries in writing or by phone, depending on the urgency; contacts other personnel in other departments when follow-up is necessary
- Responsible for outbound calls and / or status inquiries via payer's website validating receipt of medical claims and adjudication status within established timeframes
- Knowledge of FSA, HSA, Commuter or other tax-advantaged benefits, payroll, GL and account consultant
Mortgage Loan Officer/ Sr financial Solutions
BB&T Bank
Arlington, US
03.2012 - 12.2015
- Processes residential mortgage loans (FHA, VA, Conventional, purchase, refinance) under various programs in a quality consistent with all company policies and procedures as well as meeting all regulatory requirements
- Maintains a pipeline of loans and is responsible for the timely and compliant flow of such loans through the process
- Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting; Review file documentation and sure all items needed are requested; Order and coordinate loan documents
- Educate the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available and demonstrating how closing costs and monthly payments could vary under each product
- Meet and Communicate with applicants to explain the risks and benefits, as well as the terms of loan products and government regulations
- Sell loan products and meet loan production targets
Education
Bachelor of Arts - Business Administration
University of Houston
Houston, TXSkills
- Credit Analysis
- Loan Processing
- Mortgage Lending
- Financial Analysis
- Customer Service
- Risk Assessment
- Compliance
- Time Management
- Organizational Skills
- Communication
- Microsoft Word
- Microsoft Excel
- Desktop Underwriting
- Calyx Point
- Problem Solving
- Negotiation
- Attention to Detail
- Flexibility
Languages
English, Native
Phone - Number
214-607-8850
Additionalinformation - Volunteerwork
- Big Brother & Big Sister, 10 years
- Habitat for Humanity, 2 1/2 years
- Children Shelters, 3 years
Affiliations
Big Brother & Big Sister for 10 Years, Habitat for Humanity for 2 1/2 years, Children Shelters for 3 years
Certification
Real Estate Licenses NMLS Number 512829
Timeline
CREDIT ANALYST/CREDIT INVESTIGATION
TOYOTA CORPORATION
06.2022 - Current
LOSS MITIGATION REP/ LOAN OFFICER
CALIBER HOME LOANS
06.2018 - 05.2022
CREDIT ANALYST / LOAN PROCESSOR
MR. COOPER MORTGAGE
04.2016 - 05.2018
ACCOUNT CONSULTANT
Wage Works, Inc
01.2016 - 03.2016
Mortgage Loan Officer/ Sr financial Solutions
BB&T Bank
03.2012 - 12.2015
Bachelor of Arts - Business Administration
University of Houston
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