RALPH DEWORA
Lewisville,TX
Summary
Skilled professional specializing in financial analysis, decision-making, and machine learning. Proficient in data entry, time management, and problem-solving. Focused on utilizing analytical expertise to enhance business performance and meet organizational objectives.
Overview
11
11
years of professional experience
8
8
years of post-secondary education
Work history
Fraud and risk analyst
Fiserv
Remote, Dallas
2026.01 - Current
- Reviewed financial statements, identifying irregularities in the process.
- Utilised predictive models to flag high-risk scenarios effectively.
- Streamlined risk management procedures for enhanced operational efficiency.
- Enhanced fraud detection by implementing advanced risk analysis methods.
- Created detailed reports following thorough investigation of suspicious transactions.
- Identified fraudulent behaviour through careful examination of account activities.
- Maintained adherence to regulatory standards by enforcing strict compliance policies.
Junior Mortgage Underwriter
Prosperity Bank
2023.04 - 2025.12
- Approve or reject residential loans within limited authority
- Consult with the closing department to ensure that all underwriting conditions are met prior to closing the loan
- Collect and analyze credit reports, financial statements, and appraisals
- Provides written letters of commitment for each loan decision detailing required documentation, and mortgage amount approved
- Secures relevant information and documentation needed to render lending decisions on SIDs, PUDs, and HOAs
- Seeks formal legal opinions if needed
- Gathers information in order to solve problems and make decisions through phone contact to managers, loan originators, government agencies, realtors, and borrowers
- Assists in the development and training of loan production personnel, loan closers, and set-up employees
Senior Loan Processor
Genpact
2019.05 - 2023.03
- Reading and reviewing financial documents in order to make sound financial decisions
- Assist Loan Officer in building relationships and providing ultimate customer satisfaction to our Real Estate Partners, Carolina One Real Estate Services
- Work closely with HCC team, loan officers, Borrowers, attorneys, title and escrow companies to assure well-coordinated and timely loan closings meeting Borrowers’ closing deadlines
- Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting
- Contact each borrower in a timely manner to introduce yourself and go over the process and items needed
- Utilize basic business math to calculate income, assets, taxes and monthly insurance
- Understand rules regulations, policies and/or procedures along with investor guidelines
- Maintain current knowledge about the industry, market trends, competitive position, etc
Customer assistant
PNC
Mckinney, Collin
2015.02 - 2019.05
- Managed high-pressure situations with ease, ensuring customer satisfaction during peak hours.
- Provided excellent customer service to ensure repeat business.
- Dealt effectively with customer complaints, resolving issues professionally and amicably.
- Coordinated banking operations to ensure smooth functioning.
- Maintained confidentiality with sensitive customer information.
- Identified fraudulent activities, protecting bank's interests.
- Ensured regulatory compliance, safeguarding bank's reputation.
- Assisted in loan processing for swift approval.
- Supported colleagues in peak times, ensuring high-quality customer service.
Education
No Degree - Accounting And Business Management
Collin Community College
McKinney, TX 2014.02 -
High School Diploma -
Presbyterian High School
Zimbabwe 2004.01 - 2011.11
Skills
- Decision-making proficiency
- Financial analysis
- Machine learning expertise
- Data entry skills
- Time management
- Problem-solving
Timeline
Fraud and risk analyst
Fiserv
2026.01 - Current
Junior Mortgage Underwriter
Prosperity Bank
2023.04 - 2025.12
Senior Loan Processor
Genpact
2019.05 - 2023.03
Customer assistant
PNC
2015.02 - 2019.05
No Degree - Accounting And Business Management
Collin Community College
2014.02 -
High School Diploma -
Presbyterian High School
2004.01 - 2011.11