Sairraj Stephens
Aubrey,TX
Summary
High energy, results-oriented professional leader with knowledge in building and motivating dynamic teams. Cultivates a company culture in which team members feel comfortable voicing questions and concerns as well as new ideas that drive growth. Results-driven Analyst bringing proven skills in administering quality risk management programs. Effective in training team members to proactively identify and highlight potential risks. Dedicated to long-term risk management by building strong internal protocols and instilling culture of responsibility and attentiveness.
Overview
8
8
years of professional experience
1
1
Certification
Work History
QUALITY RISK ANALYST
KBHS
09.2021 - Current
- Research and review the chain of documents for high and complex commercial loans are within compliance
- Reviewing commercial applications for completeness and accuracy
- Minimize risk to the bank through knowledge of procedural requirements, monitor errors
- Compiled and maintained regulatory documentation databases and systems
- Monitor and manage document deficiency process
- QC commercial loans for business accounts over $2mm and up
- Conducts testing of regulatory requirements and other commercial testings as required, by using testing scripts
- Review daily made and paid reports
- QC incoming payments, interest rates and advancements
- Input new loans into document storage and retrieval system
- Proficiency in all areas of loan documentation, loan policies/guidelines, and procedures understanding of current commercial lending.
Professional Tax Preparer
Seasonal
01.2018 - Current
- Enhanced client satisfaction by providing personalized tax preparation services and addressing their specific financial needs.
- Streamlined the tax filing process for clients by utilizing advanced tax software and ensuring accurate data entry.
- Reduced client audit risk by thorough verification of income, deductions, and credits on tax returns.
- Maximized client refunds with diligent identification of applicable deductions and credits.
COMMERCIAL LOAN DOCUMENT SPECIALIST
PennyMac
07.2020 - 08.2021
- Responsible for booking new facilities, amending existing deals, managing monetary financial transactions between borrower and lender in Loan IQ operating system
- Interfaces with company vendors, legal counsel, line partners and clients to ensure document accuracy
- Review credit agreements and CAM for amendments and loan booking details
- Completed financial equations to determine loan fees and loan margins in Loan IQ
- Perform financial booking and initial loan funding of corporate and commercial loans using legal language within executed credit agreements not limited to bilateral, syndicated, and participation deals inclusive of multi-currency ranging from $100,000 to 1 trillion dollars
- Manage quantified LIBOR transition rate language data daily for executive level management
- Manual review and testing of digitized natural language process of commercial loan pipeline for alternative rate reference language.
NON-DEFAULT QA SPECIALIST II
Caliber Home Loans
07.2019 - 06.2020
- A skilled role supporting various channels within the Mortgage Fulfillment Divisions
- The Quality Control Analyst performs audits remediating any errors on the loan level non-default related process
- Perform audit activities including, but not limited to, review of date and documentation for accuracy and consistency, systems analysis, regulatory compliance assessment and investor program requirements, as applicable
- Provided feedback to frontline agents and managements for individual performance improvements
- Report discovered findings or gaps for immediate corrective actions
- Met with management to review findings and remediation related to operational audits.
COMMERCIAL UNDERWRITER
Small Business Administration
10.2017 - 06.2019
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans
- Expert in making recommendations or decisions for business disaster loans, including Corporations, Sole Proprietorship's, Partnerships, Limited Liability Companies, Limited Partnerships and Non-Profit Organizations and application involving a Trust
- Investigate and evaluate credit history to determine credit worthiness for individual and Businesses, using credit bureau reports and Dunn and Bradstreet reports for individual and Businesses
- Review all pertinent facts needed to make eligibility determinations
- Restructured loan terms, loan status and loan conditions to communicate with applicants via oral, written correspondence or email transmission.
LOSS MITIGATION SPECIALIST
Kforce (Contract)
05.2016 - 10.2017
- Managed a portfolio consisting of 100 to 150 loans that were 90+ days delinquent
- Contacted borrowers regularly while adhering to company communication standards, as well as federal and state laws, and documented details of each conversation in the account log
- Collected required documents and calculated income, monthly housing expenses, and debt-to-income ratio to determine if borrowers pre-qualify for a modification
- Set loans up on forbearance/repayment plans
- Evaluated borrower's hardship, assets, income, and expenses to configure terms and the down payment amount of proposed plans.
Education
HIGH SCHOOL DIPLOMA -
Richardson High School
Richardson, TX05.2007
Skills
- Strong Analytical
- Data Analysis
- Time Management
- Decision Making Skills
- Organizing Skills
- Document Review
Certification
- Mortgage License Loan Officer
- All Lines Claims Adjuster
Awards
- Leadership
- Culture Council
Timeline
QUALITY RISK ANALYST
KBHS
09.2021 - Current
COMMERCIAL LOAN DOCUMENT SPECIALIST
PennyMac
07.2020 - 08.2021
NON-DEFAULT QA SPECIALIST II
Caliber Home Loans
07.2019 - 06.2020
Professional Tax Preparer
Seasonal
01.2018 - Current
COMMERCIAL UNDERWRITER
Small Business Administration
10.2017 - 06.2019
LOSS MITIGATION SPECIALIST
Kforce (Contract)
05.2016 - 10.2017
HIGH SCHOOL DIPLOMA -
Richardson High School
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