Talya Lindsay
Richmond,VA
Summary
Analytical and efficient Review Analyst known for completing tasks with productivity and precision. Possess specialized skills in data analysis, critical thinking, and report generation that contribute to thorough review processes. Excel in communication, problem-solving, and time management, ensuring effective collaboration and timely project completions.
Overview
16
16
years of professional experience
Work History
Quality Review Analyst
Virginia Housing Development Authority
02.2020 - Current
- Conducts thorough analysis of documentation for accuracy, completeness, and compliance with federal, state, and agency guidelines.
- Verify loan compliance with FHA, VA, RD and Fannie regulations.
- Assessed client qualifications to meet VHDA program standards.
- Accurately input necessary information into Mortgage Cadence.
- Stays updated on Federal and private lending programs through ongoing professional development.
- Regularly excel in fulfilling job duties.
Mortgage Loan Coordinator
Truist
09.2019 - 02.2020
- Assessed mortgage applications for thoroughness and correctness prior to submission.
- Processed multiple loan categories such as FHA, VA, Conventional, Rural Development and Private Wealth.
- Ensured complete adherence to AUS/LP guidelines in supporting documents.
- Guaranteed accuracy and thoroughness of financial documents.
- Reviewed AUS, LP, and GUS for the provision of required documents.
- Kept current with lending regulations, industry trends, and market rates.
- Regularly outperformed defined job standards.
Junior Mortgage Underwriter
Live Well Financial, Inc
03.2018 - 05.2019
- Verified that all compliance documents met the established timeframes in new files.
- Alerted the relevant personnel when supplementary documents were required.
- Prepared loans by pre-underwriting to meet underwriting criteria.
- Coordinated acquisition of required documents from Broker, Loan Originator, customer, vendor meeting AUS and product compliance.
- Resolved conditions for approval and suspense within authorized loan limits.
- Provided support to junior underwriters throughout the department.
Credit Support Associate, Assistant Vice President
Bank of America
06.2012 - 06.2014
- Supported end-to-end credit management process with Client Manager.
- Review quarterly and annual financial data of commercial loans continuously.
- Oversaw timely collection of client financial data for streamlined workflows.
- Ensured client requirements were met efficiently through teamwork with underwriters.
- Played a role in conducting scheduled client-oriented quarterly sessions.
- Compiled and structured diverse reports for senior manager and client team.
- Communicated with clients routinely via email and phone.
- Contributed to various team efforts for enhancing processes.
- Recognized by management for outstanding efforts.
Mortgage Underwriter - Assistant Vice President
Bank of America
06.2009 - 06.2012
- Ensured adherence to Fannie Mae and Freddie Mac criteria while underwriting conventional first mortgages.
- Facilitated refinancing of first mortgages necessitating restructuring due to changes in interest rates.
- Authorized lending loans up to $1.5MM.
- Evaluated income documentation including paystubs, tax returns, and financial statements for accuracy.
- Reviewed appraisals, purchase agreements, mortgage deeds, titles and trusts.
- Collaborated with loan originator and home service specialist to obtain necessary documents.
- Handled escalated situations by effectively communicating with clients.
- Reviewed and advised on necessary adjustments to ensure underwriting compliance with current regulations.
- Facilitated communication between Sales and Operation Managers identifying areas requiring improvement.
- Coached team and evaluated performance of team members to achieve/exceed optimal performance against metrics; took action to optimize productivity, quality, efficiency and service-levels
- Led meetings and made presentations regarding best practices, regulations and policies
- Acted as Project Manager for several programs initiated to provide process improvement and problem resolution
- Managed several projects, leading project team members and ensuring projects were complete on time
Education
Bachelor of Science with a concentration in Accounting -
Johnson C. Smith University
Charlotte, North CarolinaSkills
- Regulatory compliance
- Data analysis
- Mortgage software
- Attention to detail
- Time management
- Analytical skills
- Financial analysis
- Credit risk assessment
- Loan documentation
- Oral and written communications
- Documentation review
- Risk assessment
References
Available upon request.
Qualifications Summary
Multi-task individual whose background reflects a high energy servicing and underwriting professional who has extensive banking knowledge and experience with a verifiable record of success in commercial and consumer loan banking.
Accomplishments
- Emerging Leaders Program 3.0 current participant
Timeline
Quality Review Analyst
Virginia Housing Development Authority
02.2020 - Current
Mortgage Loan Coordinator
Truist
09.2019 - 02.2020
Junior Mortgage Underwriter
Live Well Financial, Inc
03.2018 - 05.2019
Credit Support Associate, Assistant Vice President
Bank of America
06.2012 - 06.2014
Mortgage Underwriter - Assistant Vice President
Bank of America
06.2009 - 06.2012
Bachelor of Science with a concentration in Accounting -
Johnson C. Smith University
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