Summary
Overview
Work History
Education
Skills
References
Timeline
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Umar Muhammad

Richmond,VA

Summary

Highly motivated and goal-driven skilled in collecting, monitoring and studying data to analyze financial status and recommend business strategy. Experienced in qualitative and quantitative analysis, contract management and forecasting. Tech-savvy in use of spreadsheets, accounting and financial management software. Develops and maintains high standards of quality and issue resolution through effective financial planning. Adept at utilizing top-of-the-line communication skills to build and foster long-term relationships.

Overview

16
16
years of professional experience

Work History

Financial Analyst

Truist Bank
11.2017 - 06.2024
  • Processed invoices and payments in line with company policies and procedures.
  • Reviewed financial reports and streamlined operations to increase productivity and company profits.
  • Followed-up on past due payments to facilitate prompt collection of payments.
  • Entered invoice data into company's invoicing system to enable proper tracking and record keeping.
  • Implemented effective internal controls to mitigate risks associated with financial misstatements or fraud incidents.
  • Achieved significant cost savings by identifying financial inefficiencies and implementing improved processes.
  • Conducted detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement.
  • Collected data and developed detailed spreadsheets to identify trends and create revenue, profitability, and expense forecasts.
  • Managed approximately 300 invoices per day ensured compliance with industry regulations, company policies, and internal controls.

Foreclosure Mortgage Analyst

SunTrust Bank
04.2012 - 11.2017
  • Prepared referrals packages and send foreclosure breach letters.
  • Interact with loss mitigation, and bankruptcy department to ensure proper steps are adhered to ensuring borrowers are not active in the military.
  • Reviewed foreclosure documents, prepared foreclosure bids, and monitor foreclosure sale results for FNMA, FHLMC, FHA, VA, Private Investor.
  • Monitored loans for third party funds, foreclosure redemption, confirmation and rescission's.
  • Reviewed and reconciled corporate advance expenses.
  • Ensured timely completion of post-closing tasks such as fund disbursements, document recording, and file archiving.
  • Maintained strict compliance with federal regulations and company policies throughout the mortgage application process.
  • Managed a pipeline of over 1500 loans for mitigating risk and losses associated with servicing a delinquent portfolio.

Financial Rep II

SunTrust Bank
10.2008 - 04.2012
  • Collect payments on delinquent accounts
  • Took inbound and outbound calls on auto dialers systems.
  • Resolved 60-90 days delinquency accounts.
  • Trained associates on company's policy and procedure.
  • Built strong relationships with clients through transparent communication and trust-building activities.
  • Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
  • Handled 95 to 100 calls per day achieving a quality assurance score of 95% or higher.

Education

Undergraduate Studies

Virginia Union University
Richmond, VA

High School Diploma -

Science Skills Center High School
Brooklyn, NY
05.2002

Skills

  • Microsoft Excel

  • MS Office Suite

  • Financial and Operational reporting

  • Financial statement analysis

  • Data Collection & Research

  • Flexible team player

  • Excellent attention to detail

  • Fast Learner

  • Highly Dependable

References

References provided upon request

Timeline

Financial Analyst

Truist Bank
11.2017 - 06.2024

Foreclosure Mortgage Analyst

SunTrust Bank
04.2012 - 11.2017

Financial Rep II

SunTrust Bank
10.2008 - 04.2012

Undergraduate Studies

Virginia Union University

High School Diploma -

Science Skills Center High School

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