Summary
Overview
Work History
Education
Skills
Certification
Professional Title
Timeline
Trecia Duncan

Trecia Duncan

Texas

Summary

Highly-motivated professional with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Experienced Analyst offering well-developed skills in, record updates and financial statement reviews. Pursuing a position in a busy organization where a qualified individual with an understanding of collections is highly sought. I have the ability to demonstrate problem solving skills and willingness to ask tough questions. I have working knowledge of Corporate Lending, banking regulations and mortgage lending, along with my effective communication skills with business partners and peers in order to foster a cohesive environment. I am able to multitask and prioritize in a demanding environment with strong organizational skills and analytical skills.
I also process a highly motivated drive to succeed.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Operational Risk Analyst

USAA
Remote Contractor
01.2023 - 03.2023
  • Identified, analyzed, and evaluated operational risks across multiple business lines.
  • Developed and maintained risk control frameworks to ensure compliance with regulatory requirements.
  • Conducted independent reviews of processes and procedures to identify potential areas of operational risk.
  • Assisted in the development of policies and procedures for mitigating operational risks.
  • Monitored changes in laws, regulations, and industry standards related to operational risk management practices.
  • Participated in the review process of new products or services to assess associated operational risks.
  • Prepared reports on key findings from risk analysis activities for senior management review.
  • Provided guidance on best practices for managing operational risks across the organization.
  • Performed data analysis using statistical techniques to identify trends in operational risk exposures.
  • Collaborated with other departments to ensure that all relevant information is considered when assessing operational risks.
  • Performed periodic reviews of existing control systems for accuracy, completeness, and effectiveness.
  • Performed in-depth and comprehensive gap analyses to determine root cause of process gaps and regulatory compliance failures.
  • Escalated identified risk issues, challenges and trends to senior management and delivered risk-related documents for audit and regulatory exams.
  • Wrote, maintained, distributed and updated operational risk procedural manuals, job aids and tools.
  • Reviewed risk management database reports for compliance and fraud prevention.
  • Developed in-depth reports, which delivered improved visibility and enabled better control of credit risk.

Sr Loan Processor

Navy Federal Credit Union
Remote Contractor
05.2021 - 05.2022
  • Assisted Loan Officer with requests and tasks needed to complete and process applications
  • Followed all federal VA guidelines to prepare clients application for closing and funding.
  • Analyzed loan applications and supporting documents to determine eligibility for approval.
  • Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
  • Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
  • Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
  • Submitted loan applications to underwriting department for review and approval process.
  • Explained the various types of loans available and advised on the best product suited for customer's needs.
  • Maintained accurate records in computer database system during loan origination process.
  • Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
  • Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
  • Reviewed appraisals to ensure accuracy of value estimates.
  • Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
  • Compiled closing packages containing all necessary documents required for funding.
  • Verified accuracy of closing figures prior to disbursement of funds.
  • Monitored progress of each loan application from start to finish ensuring timely completion.
  • Assisted borrowers with questions regarding their loans after closing.
  • Conducted quality control reviews on closed files ensuring compliance with state and federal regulations.
  • Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.
  • Updated customers regularly on status of their loans throughout the processing period.
  • Researched escalated problems related to loan processing activities.
  • Adhered strictly to company policies when completing tasks associated with loan processing duties.
  • Calculated income, assets and liabilities to meet lender requirements.
  • Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
  • Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.
  • Managed conditions sent from underwriting departments.
  • Created and completed loan submission packages.
  • Evaluated financial statements and contacted institutions and customers to clarify details.
  • Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
  • Completed closing process by collaborating with attorneys, title companies and government clerks.
  • Interviewed applicants to identify needs and evaluate eligibility for loans or mortgages.
  • Organized loan files, updated databases, prepared general correspondence and communicated with stakeholders.
  • Informed customers of loan application requirements and deadlines.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.
  • Collaborated with company teams to expedite loan approval processes.
  • Developed loan contracts and explained contract terms to clients.
  • Prepared reports for customers with delinquent and irreconcilable accounts.
  • Identified valuable solutions for customers with credit problems.
  • Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.

Software Support Analyst

Calyx Software
Remote Contractor
11.2019 - 11.2020
  • Created user accounts, reset passwords, and maintained access rights in accordance with security policies.
  • Resolved system errors by troubleshooting application issues, identifying root causes and recommending solutions.
  • Installed and configured various software programs on customer computers and networks.
  • Tested new software releases to ensure compatibility with existing systems.
  • Assisted in developing documentation of known issues and resolutions for future reference.
  • Analyzed data from logs to identify trends in customer support requests.
  • Monitored the performance of installed systems to detect any potential problems or malfunctions.
  • Diagnosed and resolved complex technical issues related to software applications and hardware components.
  • Conducted research into emerging technologies for potential implementation within the organization.
  • Developed processes for resolving customer complaints quickly and efficiently.
  • Performed regular maintenance checks on computer systems to ensure optimal performance.
  • Provided training sessions on how to use newly installed software applications.
  • Maintained a database of customer information including contact details, system configurations, and usage histories.
  • Provided guidance on best practices when using company-provided software tools.
  • Collaborated with other departments such as IT Support, Networking, Database Administration., to resolve complex technical issues.
  • Responded promptly to customer inquiries regarding product features or usage instructions.
  • Maintained positive working relationship with fellow staff and management.
  • Answered user inquiries to resolve computer software or hardware operation problems.
  • Evaluated customer feedback about current products and services offered by the organization.
  • Installed and performed minor repairs to hardware, software or peripheral equipment.
  • Evaluated software or hardware to recommend improvements or upgrades.
  • Maintained records of data communication transactions, problems and remedial actions or installation activities.
  • Oversaw daily performance of computer systems.
  • Performed variety of clerical and administrative duties pertaining to on-site support.
  • Read technical manuals, conferred with users or conducted computer diagnostics to investigate and resolve problems.
  • Conferred with staff, users and management to establish requirements for new systems or modifications.
  • Entered commands and observed system functioning to verify correct operations and detect errors.
  • Provided technical support for software applications and hardware devices to end users.

Credit Analyst

Reliable Investments
West Orange, NJ
12.2017 - 10.2019
  • Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
  • Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
  • Analyzed customer payment histories to assess credit risk profiles.
  • Determined appropriate loan terms based on borrower's creditworthiness.
  • Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
  • Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
  • Developed strategies to manage delinquent accounts and reduce overall portfolio risks.
  • Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
  • Provided recommendations regarding loans applications based on sound credit evaluation principles.
  • Collaborated with other departments within the organization to ensure efficient processing of loan applications.

Bankruptcy Analyst

National Bankruptcy Services
02.2012 - 11.2017
  • Managed a call queue of up to 90 calls daily
  • Reviewed and analyzed financial statements, credit reports, and other documents to determine the debtor's ability to pay debts.
  • Analyzed asset values for potential liquidation or reorganization.
  • Developed debt restructuring plans based on analysis of customer's financial situation.
  • Assisted in preparing schedules of assets and liabilities, income and expenses for filing with bankruptcy court.
  • Prepared legal documents such as motions, proofs of claim, adversary proceedings.
  • Maintained records of all bankruptcies filed and tracked them through completion.
  • Drafted monthly reports on changes in debtor's financial condition for management review.
  • Conducted research on applicable laws and regulations related to bankruptcy cases.
  • Provided guidance to attorneys regarding any issues arising during the bankruptcy process.
  • Interacted regularly with creditors, trustees, attorneys and debtors throughout the case lifecycle.
  • Negotiated payment plans that were mutually beneficial to both creditors and debtors while ensuring compliance with applicable laws.
  • Advised clients on strategies to maximize their recovery from a bankruptcy estate.
  • Monitored bankrupt accounts to ensure payments are made in accordance with terms of plan agreements.
  • Performed collections activities including locating assets, negotiating settlements, and initiating legal action when necessary.
  • Managed ongoing communication between parties involved in a bankruptcy case.
  • Assisted with preparation of materials for creditor committee meetings.
  • Researched relevant case law for use in pleadings or arguments before the court.
  • Liaised between bank and outside parties such as agencies, attorneys and trustees to handle bankruptcy matters.
  • Implemented appropriate controls to mitigate risks from bankruptcy actions.
  • Trained team members in Fair Debt Collection Practices Act and Bankruptcy Code for optimal compliance.
  • Coordinated deal financing by gathering resources from financial institutions, public agencies or private companies.

Foreclosure Auditing Administrator

Butler and Hosch
09.2011 - 02.2012
  • Corresponded with team of foreclosure specialist and implement all tasks as advised by team leader
  • Established appropriate current Foreclosure status of assigned accounts and design proper disposal codes
  • Performed proper calculation and prepared of payoff figures inclusive of provided debt related data to attorneys
  • Organized all audit invoices for formulation of legal bills within required timeframe
  • Collected all files from loans vault or mortgage department and ensured transmission of accounts on legal status according to banking policy
  • Arranged all notices of default as per terms of deed of trust on mortgage
  • Handled up to 25 calls daily
  • Supported attorney in title search operation and check all title issues in coordination with supervisor
  • Evaluated and examine file with management prior to foreclose sale date to formulate bidding instruction and communicate same to attorney or paralegal.

Loss Mitigation Account Manager/ Loan Processor I/Loan Underwriter

CitiMortgage
08.2005 - 05.2011
  • Handled 150 to 201 calls daily, dialer system
  • Responsible for reviewing, analyzing, approving & underwriting moderate individual consumer requests
  • Evaluated SCRA accounts & ensured overall loan documents where accurate, complete, & complaint
  • Reviewed of financial statements, credit reports, applicable ratios (I.E
  • Debt rations, Loan-to-value) & other supporting documentation
  • Utilized an automated scoring system or traditional underwriting to determine acceptability of moderate requests; contacting customers & partners to gather information to make appropriate decisions for approvals or denials
  • Created missing items letters and acknowledgement letters to borrower
  • Reviews Modification applications to verify that all data is complete
  • Approved and denied all Loan applications if did not meet the waterfall income federal or company standards
  • Record on data to track the loans in processing
  • Interacted with management and for resolution solutions and to clarification on any documents pertaining to the loan
  • Independently conducted audits for delinquent accounts and recommends appropriate action, I.E
  • Modifications, repayment plans, special forbearance, deed in lieu & short sale
  • Consistently documented loan management system regarding reason for default, payment arrangements, and changes to personal information
  • Responsible for training new hire counselors on internal systems and company policies and procedures
  • Counseled borrowers directly regarding timely payments, discuss litigation options and repayment plans
  • Responsible for training new hire counselors on internal systems and company policies and procedures
  • Place and received a minimum of 150-175 outbound calls daily to delinquent customers
  • Processed orders, prepared correspondence and fulfilled customer needs to ensure customer satisfaction
  • Responsible for documenting system with information via incoming calls and emails in a timely and efficient manner
  • Maintained call center database daily to meet company standards.

Education

Some College (No Degree) - Business Communications

Richland College, Dallas, TX

Skills

  • Underwriting
  • LoanIQ
  • Fair Housing Regulations
  • Waterfall
  • Data Compilation
  • Proficient in [Software]
  • Oral and Written Communications
  • Judgmental Lending
  • Credit Analysis
  • Verbal and Written Communication
  • Information Verification
  • Risk Assessment
  • Loan Documentation
  • Banking Regulations

Certification

NMLS, 06/01/22, Present

Professional Title

Seasoned Communications Professional

Timeline

Operational Risk Analyst - USAA
01.2023 - 03.2023
Sr Loan Processor - Navy Federal Credit Union
05.2021 - 05.2022
Software Support Analyst - Calyx Software
11.2019 - 11.2020
Credit Analyst - Reliable Investments
12.2017 - 10.2019
Bankruptcy Analyst - National Bankruptcy Services
02.2012 - 11.2017
Foreclosure Auditing Administrator - Butler and Hosch
09.2011 - 02.2012
Loss Mitigation Account Manager/ Loan Processor I/Loan Underwriter - CitiMortgage
08.2005 - 05.2011
Richland College - Some College (No Degree), Business Communications

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Trecia Duncan