Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Nikita Barber

Birmingham,AL

Summary

Analytical professional with technical knowledge and critical thinking skills to thrive in data-driven environments. Tackles challenges with positivity and drive to overcome. Works great alone or with others and consistently exceeds expectations.

Overview

6
6
years of professional experience

Work History

Community Reinvestment Act/Fair Lending Analysts

ServisFirst Bank
Homewood, AL
12.2017 - Current
  • Evaluate existing and proposed products and services to ensure they adequately meet the needs of the community
  • Prepare, filing and submission of CRA LAR & HMDA LAR
  • Assist in the formulation of remediation plans, root cause analysis and issue tracking
  • Validate accuracy of collected CRA/HMDA loan file data in accordance with applicable lending regulation and bank policy, concurrent with the Compliance Department’s monitoring schedule
  • Review lending application data for fair lending risks and report findings to the CRA and Compliance Officers
  • Review home mortgage loans for compliance with HMDA and Fair Lending regulations
  • Monitor the Bank’s identification and data collection of community development loan, investment, and service activities
  • Research and compile census and peer institution data for the CRA Lending Test
  • Assist in the preparation of annual CRA Performance and Fair Lending Risk Assessments
  • Maintain in-depth knowledge of compliance and CRA regulations, including but not limited to Regulation B – Equal Credit Opportunity, Regulation C – Home Mortgage Disclosure Act and Regulation AA – Unfair, Deceptive, Abusive Acts and Practices (UDAAP)
  • Provide informational assistance to the regional CRA Liaison and other bank personnel
  • Serve as backup in assigned compliance areas and perform other duties as assigned by management
  • Assist in evaluating loans for CRA Community Development Loan qualification
  • Assist in evaluating various investments, donations, and service hours for CRA qualification
  • Created maps for assessment area and help to focus on upcoming assessment areas; to see where we as a bank can better service the community and assure, we are lending in our AA by opening new offices/branches.

Flood Insurance Analysts

ServisFirst Bank
Homewood, AL
  • Review/upload flood insurance policies received daily
  • Review vendor reports weekly for potential accts with impaired flood insurance policy and policies approaching expiration
  • Create and upload monthly loan files data reports for vendor
  • Determine how forced policies will be paid and add to loan if applicable
  • Work any cancellations of force placed policy, providing refund to borrower if applicable
  • Pull and review LOL flood map change certifications from vendor and work with lender on changes
  • Review flood vendor billing reports, sort and submit for payment as needed, but not less than monthly
  • Submit payment to vendor for servicing fee
  • Set up officers/AA with login info to be able to pull flood certificates from ServiceLink
  • Assist with special projects as needed.

Insurance Tracking Specialist

Regions Bank
Birmingham, AL
01.2016
  • Researched and provided insurance premium payments to third parties vendors; and issued refunds to borrowers who provided proof of insurance coverage
  • Liaison between internal business units and customers on Insurance Tracking questions and concerns regarding tracking and force placement insurance on flood, hazard, and wind
  • Research/analyze/document the Customer Central Complaint (CCC) Database and take necessary measures to protect the integrity of Regions in the event a loan becomes a serious credit risk and Regions must take legal action against the borrower
  • Responsible for various of weekly and monthly reports
  • Responsible for special projects requiring analytical research as identified by department manager
  • Attend flood training as required by FEMA to maintain and update the procedures manual with updated regulations as related to flood and hazard lender placement and tracking
  • Provide training.

Paid in Full Processor

Regions Bank
Birmingham, AL
01.2012
  • Created notifications to send to the loan officer for approval to release collateral through the Regions iWAVE system
  • Responsible for numerous queues: notification, collateral release pending approval queue, collateral release decline and no approval response queue
  • Prepare releases for collateral that were paid in full
  • Send Production number to supervisor and manager daily and month end
  • Process monthly reports for Level III system.

Education

English -

Miles College
01.2003

Business Management

University of Phoenix
Tempe, AZ

Skills

  • Test Planning And Documentation
  • Report Preparation
  • Root Cause Analysis
  • Policy Improvements
  • Process Improvements
  • Strategic Planning
  • Compliance Analysis
  • Corrective Action Planning
  • Ms Excel
  • Continuous Improvement
  • Team Collaboration And Leadership
  • Issue Identification
  • Evidence-Based Decision Making
  • Complex Problem-Solving
  • Presentation Building
  • Information Gathering
  • Regulatory Compliance
  • Validation Protocols
  • Standard Operating Procedures
  • Records Management
  • Data Analytics
  • Deadline Adherence
  • Analytical Thinking
  • Performance Optimization
  • Data Research And Validation
  • Support Documentation
  • System Performance
  • Documentation And Reporting
  • Multiple Priorities Management
  • Data Quality Controls

References

References available upon request.

Timeline

Community Reinvestment Act/Fair Lending Analysts

ServisFirst Bank
12.2017 - Current

Insurance Tracking Specialist

Regions Bank
01.2016

Paid in Full Processor

Regions Bank
01.2012

Flood Insurance Analysts

ServisFirst Bank

English -

Miles College

Business Management

University of Phoenix

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Nikita Barber