Summary
Overview
Work History
Education
Skills
Websites
Professional Development
2024 Boyd Advocacy Award
Languages
Timeline
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Paulina C. Atamoh

Las Vegas,NV

Summary

High-energy, focused professional with over 8 years of experience in management, processes, and procedures in broad and diverse legal and financial context. In-depth expertise and understanding of consumer finance, secured lending products, compliance, and credit underwriting. Comprehensive understanding of corporate governance, quality control procedures, regulatory compliance, and legal issues. Capable of conducting research, evaluating data, identifying and attracting new customers, and producing goods. A creative thinker who works effectively while providing high-quality results, working tirelessly and consistently to meet or exceed company goals and objectives. Demonstrated valuable people skills, including the ability to communicate with all levels of the company, exert influence across corporate levels, and form and maintain solid professional partnerships with clients and coworkers. Trilingual in English, German, and Bulgarian.

Overview

16
16
years of professional experience

Work History

Corporate Paralegal

BOYD GAMNG CORPORATION
01.2022 - 01.2025
  • Managing the operations of the legal department and paralegals while being the direct report to the Executive VP, General Counsel of Boyd Legal
  • Deep understanding of company’s objectives, by aligning legal strategies with business goals
  • Develop solutions that foster innovation while protecting company assets
  • Cultivating a culture of collaboration within the legal team and across departments
  • Ensuring that legal considerations are integrated into operational processes enhancing efficiency and reducing costs
  • Using information to navigate complexities with agility, resulting in quicker responses and more informed decision-making
  • Leveraging technology and data analytics to enhance legal operations
  • Managing the legal department is not solely about addressing legal issues; it is about becoming a strategic partner in achieving corporate success
  • Extended Knowledge of company stock and earnings matters by reviewing 2024 Earnings Release documents such as Audit & Disclosure Committee Letters, and Earnings Release Tables
  • Also reviewed Form 10-Q, 10-K as it relates to Audit and Disclosure Committees
  • Helped Prepare and file Form 4s for all Section 16 filers during open Earning period
  • Assisted with the preparation of new entity formations, dissolutions, and/or mergers, and maintained corporate minute books for 70+ Boyd entities
  • Helped build electronic Board and Committee meeting materials to be uploaded into Diligent during quarterly Board Committee Meetings that included Corporate Governance, Audit, Compensation, and Compliance
  • Provided support as needed for gaming license renewals and other regulatory filings including Boyd Annual Subsidiary Renewal, Fictitious Name Renewals, Annual State Bar Renewals
  • Provided contract support for standard corporate agreements as needed and assisted maintaining master list of Directors and Officers
  • Worked with other members of the legal team on special projects including creating Pitch/Look books, Binders, Travel itineraries, scheduling partner meetings, creating & maintaining SharePoint folders
  • Provided administrative support to the General Counsel, VP of Legal Counsel, and VP of Development
  • Upheld the Legal Case Tracking reports and provided weekly updates to department as support
  • Maintained monthly corporate credit card invoices, receipts, charges and expenses for four executives
  • Assisted with creating and compiling the annual Director & Officers Questionnaires
  • Provided support with compiling material and documents for Audit reviews to Deloitte as needed
  • Provided support for Internal Audit by ensuring all subsidiary documents and Records of Ownership were present and compliant
  • Reviewed 2023/2024 Proxy statements to establish familiarity and proficiency with the Summary, Analysis, Tables, Proposals, and the Transactions
  • Reviewed final completed Board Orientation Packet to establish familiarity and expertise with History, Overview, Legal/Compliance, Corp Gov, Securities, Board and Committee Admin

Mortgage Operations Manager

MAXWELL LENDER SOLUTIONS, INC.
01.2020 - 01.2022
  • Manage and develop knowledgeable and high-performance direct reports in FinTech environment and assist in building strong, long-term relationships with clients, under a customizable digital platform and fulfillment service
  • Strong business communicator with robust regulatory background and successful project management experience
  • Develop solutions to staffing and workflow challenges while managing administrative functions and corporate governance
  • Directly assisted with contract resolutions, development and amendments
  • Managed highly sensitive documentation and classified credentials
  • Set expectations for performance metrics and manage to those expectations
  • Manage team SLA's and collaborate with executives, directors and officers to drive revenue and ascertain cost per loan for overall profitability
  • Attended weekly utilization governance board meetings with VP of Mortgage Operations
  • Provide subject matter expertise and coaching to staff
  • Assisted with operation of newly developed high-tech LOS system
  • Worked closely with compliance metrics under SCC, state and municipal regulations
  • Manage state licensing approval and manage production to meet required metrics and measure OKR’s
  • Manage multiple direct reports while maintaining and adhering to investor guidelines and overlays
  • Form key performance metrics and indicators based on company-wide KPIs and goals
  • Manage efficiencies by ways of workflow improvements, supplemental training, updated applications, to ensure proper procedures and quality growth of the company; work alongside Customer Success Managers to develop growth and sustainability
  • Provide second-level review for complex and high-level files; assist with challenges to workflow or productivity and offer productive solutions
  • Actively participate in interview and hiring process, including hiring counsel and onboarding
  • Worked closely with product and engineering teams on enhanced and newly developed system operations
  • Communicate with senior management, clients, and staff to resolve issues and concerns while maintaining a positive workplace and strong client relations

Manager, Credit Analysis Mortgage Underwriting

CHARLES SCHWAB BANK
01.2017 - 01.2020
  • Analyzed new and existing financial data under predominant Portfolio loans, to ensure compliance with bank/company policies and procedures and compliance with SCC, state and federal banking regulations
  • Held delegated lending authority and allocation of $2.8M mortgage lending limit
  • Conducted credit examinations, prepared credit approval reports, summarized credit analysis for mortgages and lines of credit, and rendered loan decisions
  • Managed and contributed to significant company revenue of over $18B in annual net profit overall via lending and contributed to an all-time historical company volume amount
  • Endorsed and presented facts, summarized credit examination results, prepared summary and approval reports to document recommendations on credit merit and overall portfolio and ensured targeted 48-hour service-level agreement (SLA) turnaround time
  • Oversaw credit decisions on client loans that fell outside standard credit policies and parameters, adhered to second review processes on declined loans, and managed credit decisions by offering alternative lending products
  • Documented pertinent underwriting data and correspondence into company’s automated lending system
  • Managed team under Conventional Non-QM, Asset-based lending, Portfolio, corporate processes, guidelines and overlays
  • Suggested loan review revisions to credit products, policies, processes, and underwriting and participated in due diligence teams
  • Interfaced with primary vendors on risk-related matters for loan exception underwriting and obtained consistent, 24-hour or less, turnaround times
  • Maintained an affirmative support system that enabled the bank credit team to succeed and thrive in its decisions, mitigated any favorable client experiences, and ensured appropriate review and assessment time was given to support each loan’s ultimate outcome
  • Contributed to the acquisition of Community Reinvestment Act (CRA) mortgages under the Schwab portfolio
  • Worked closely with legal counsel to ensure regulatory compliance has been met
  • Managed and generated weekly Allowance Tracking Volume Reports for evaluation by the Director and Vice President of credit

Correspondent Operations – Sr. Consumer Loan Underwriter

WELLS FARGO BANK, N.A.
01.2009 - 01.2017
  • Reviewed, analyzed, approved, and underwrote routine on closed residential mortgage loans from originating financial institutions and mortgage companies within company and industry guidelines
  • Evaluated credit applications, credit bureau information, collateral valuations, tax returns, financial statements, and other supporting documentation to recommend or approve requests
  • Ensured credit files were current, complete, and compliant with company standards
  • Contacted customers and partners to gather information, make appropriate decisions, and explain rationale behind credit decisions
  • Performed mathematical calculations, including the determination of housing to income, total debt to income, and housing ratios, and reviewed financial statements, credit reports, and applicable ratios such as debt loan to value
  • Prepared formal reports for review, ensured documents were consistent, implemented fraud detection techniques, and performed compliance reviews
  • Assisted with loan re-negotiations of loans based on lending guidelines and served as a consultant and technical resource on difficult problems and questions
  • Provided work direction, feedback, and training to underwriting staff and mentored lower-level underwriters on credit decisions, department procedures, and policies

Correspondent Operations – Pre-Fund Division Loan Specialist IV

WELLS FARGO BANK, N.A.
01.2012 - 01.2013
  • Concisely reviewed, analyzed, and processed conventional conforming and nonconforming loans, Federal Housing Administration (FHA) and U.S
  • Department of Veterans Affairs (VA) government loans, bond loans, and manufactured housing loans
  • Managed and assisted clients with loan-related inquiries, including conditions for suspensions on loans and files, details on conditions required for the loans, and details on resolutions for the loans
  • Evaluated and examined transactions to ensure accuracy and completeness
  • Researched and verified detailed information on loans, including borrower’s employment, social security, date of birth, and address, and ensured all information provided by the client was precise and accurate
  • Reviewed the purchase contract and title, conducted extensive appraisal research for properties, including sales comparisons, floorplan sketches, location map sections, market conditions, cost approaches, dimension list addendums, and subject photo reviews, and provided detailed evaluations
  • Participated in the facilitation of the 2013 Pre-Fund Cross-Rotational Presentations and largely contributed to the creation and design of the presentation

Credit Originations – Consumer Credit Underwriter

WELLS FARGO BANK, N.A.
01.2009 - 01.2012
  • Underwrote, processed, assessed, and made decisions on customer credit accounts and applications, judged, reviewed, and underwrote credit line increase requests on new and existing accounts, and contributed to the generation of sales prospects
  • Analyzed applications based on new and existing information and provided specific, detailed information to internal bankers requesting status application assistance
  • Assessed credit and income information that may not have been systematically considered as credit decision factors
  • Offered customers enhancement products such as balance transfer, overdraft protection, and enrollment in the Rewards Program

Education

B.S. - Communications

UNIVERSITY OF NEVADA LAS VEGAS
Las Vegas, NV
05.1995

A.S. - General Studies

COLLEGE OF SOUTHERN NEVADA
Las Vegas, NV
05.

Skills

  • Microsoft Software
  • Excel
  • PowerPoint
  • Publisher
  • Adobe
  • Meridian Link
  • Encompass
  • Blue Sage
  • Legal Tracker
  • Romeo & Dye (CCR Corp, Section 16)
  • Diligent
  • AWS (Amazon WorkSpace)
  • Citrix Receiver
  • AMP
  • AS400
  • LPS CLOUD (Correspondent Lending Operations Utility Device)
  • TMT (Task Manager Tool)
  • RESDirect
  • Rapid Reporting
  • LexisNexis
  • ICMP (Imaging Content Management Platform)
  • ATR/QM (Ability To Repay/Qualified Mortgage)
  • Sellers Guide
  • ALLREGS Online

Professional Development

  • 2022 People Leadership Program (Essential Skills for Managers), SAVIA Leadership.
  • The Power of Dialogue: Mastering the Art of the Feedback Loop.
  • Beyond Connections: Unleashing LinkedIn's Potential.
  • Advanced Workshop on Communication Skills.
  • The Influence Blueprint: Building Connections to Drive Success.
  • Compliance Life Cycle: 2024 Guide to Annual Reports and Licenses.
  • Six Sigma Black Belt, Principles.

2024 Boyd Advocacy Award

I obtained this honor in the third quarter of 2023 for significant contributions to the Boyd Legal Department, such as working with a big project for a new casino development and building a better, more cohesive method for structuring documents for Board Committee meetings.

Languages

German
Professional Working
English
Native or Bilingual
Bulgarian
Limited Working

Timeline

Corporate Paralegal

BOYD GAMNG CORPORATION
01.2022 - 01.2025

Mortgage Operations Manager

MAXWELL LENDER SOLUTIONS, INC.
01.2020 - 01.2022

Manager, Credit Analysis Mortgage Underwriting

CHARLES SCHWAB BANK
01.2017 - 01.2020

Correspondent Operations – Pre-Fund Division Loan Specialist IV

WELLS FARGO BANK, N.A.
01.2012 - 01.2013

Correspondent Operations – Sr. Consumer Loan Underwriter

WELLS FARGO BANK, N.A.
01.2009 - 01.2017

Credit Originations – Consumer Credit Underwriter

WELLS FARGO BANK, N.A.
01.2009 - 01.2012

B.S. - Communications

UNIVERSITY OF NEVADA LAS VEGAS

A.S. - General Studies

COLLEGE OF SOUTHERN NEVADA
Paulina C. Atamoh