Summary
Overview
Work History
Education
Skills
Certification
Timeline
RaQuel Rayson

RaQuel Rayson

Humble,United States

Summary

Knowledgeable financial professional experienced in assessing credit viability for borrowers. Good organizational and critical thinking skills. Offering 20+ years of related experience. Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments of property values and borrower histories. Dedicated to optimizing bank portfolios by balancing risk with profitability.

Overview

26
26
years of professional experience

Work History

Credit Risk Analyst

NRL Mortgage
09.2015 - 10.2022
  • Reviewed and verified income, credit reports and employment histories for each borrower.
  • Generated approval or disapproval loans exceeding 1+ million, real estate and Heloc credit loans.
  • Analyzed appraisals, title information and insurance documents for each property.
  • Adhered to banking standards and government lending guidelines for loan services.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Collaborated with other teams to identify and mitigate risks impacting organization.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Performed Quality control and internal audit reviews

Underwriting Manager

Citibank For SGS
08.2010 - 09.2015
  • Validated results and performed quality assurance to assess accuracy of data.
  • Monitored compliance and filing requirements in conjunction with staff and management.
  • Gathered, organized and input information into digital database.
  • Maintained database systems to track and analyze operational data.
  • Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
  • Onboarded new employees with training and new hire documentation.
  • Maximized performance by monitoring daily activities and mentoring team members.
  • Managed 25+ team and provided support to maintain Service Level Agreements6 and performance standards.

Processing Manager

USA Homeowners
04.2004 - 02.2010
  • Reviewed copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Processed loan applications and monitored progress from start to finish.
  • Proactively identified solutions for customers experiencing credit issues.
  • Identified opportunities to cross-sell and upsell loan products to customers.
  • Maintained pipelines to track and log status of loans.
  • Proposed research and updated industry knowledge on changing legislation and regulations.
  • Managed 5+ team and provided support to maintain customer service and performance standards.

Education

Bachelor of Science - Sports And Health Sciences

American Military University, Charleston, WV
08.2013

Skills

  • Banking Regulations
  • Verbal and Written Communication
  • Conflict Resolution
  • Financial Data Analyzation
  • Credit Risk Analysis
  • Financial Statements Expert
  • Appraisal Review
  • Government Lending
  • Customer Interaction
  • Excel

Certification

  • CHUMS Certification - IG95
  • Six Sigma Green Belt

Timeline

Credit Risk Analyst - NRL Mortgage
09.2015 - 10.2022
Underwriting Manager - Citibank For SGS
08.2010 - 09.2015
Processing Manager - USA Homeowners
04.2004 - 02.2010
American Military University - Bachelor of Science, Sports And Health Sciences

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RaQuel Rayson