Wendy Lyn Coles
Pompano Beach,FL
Summary
Experienced with financial analysis and credit risk assessment, focusing on evaluating borrower creditworthiness. Utilizes advanced analytical skills to interpret complex financial data and provide actionable insights. Track record of effective collaboration and communication with cross-functional teams to achieve organizational objectives.
Overview
34
34
years of professional experience
Work History
Mortgage Credit Analyst
Premium Mortgage Corporation
12.2019 - 07.2025
- Review originated, processed, and underwritten loans to verify compliance regulations and policies are adhered to
- Examine loan files to ensure accuracy of information and verify presence of all required documents. Documents include credit, title, appraisals, credit documents, property valuation, loan-to-value ratios, debt-to-income ratios, and compliance documents
- Analyze income documents and perform cash flow analysis, review credit history, and assets and collateral
- Ensures work follows applicable laws, regulations, and guidelines; policies include Fair Lending, Bank Secrecy Act, and other applicable anti-money laundry policies
- Complete audits and recommend improvements for the Loan Processor, Underwriter and Loan Officer to ensure accuracy
- Prepare and distribute reports to management, communicate audit progress and findings, and recommend changes to Management
- Educate and teach Processors and Underwriters on the audit findings to ensure an accurate loan file
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Loan Processor
Premium Mortgage Corporation
04.2015 - 12.2019
Loan Processor III
Wells Fargo Home Mortgage
02.2012 - 05.2014
Special Education Teacher
Penfield Central School District
09.2008 - 07.2009
Quality Assurance Analyst
JP Morgan Chase Bank
07.2005 - 11.2007
Senior Credit Analyst
JP Morgan Chase Bank
05.2003 - 07.2005
Mortgage Underwriter
JP Morgan Chase Bank
05.1994 - 07.2003
Data Entry/Administration
JP Morgan Chase Bank
07.1991 - 05.1994
Education
Master of Arts - Educational Technology
Nazareth College of Rochester
Rochester, NY01.2011
Bachelor of Arts - History
Nazareth College of Rochester
Rochester, NY01.2007
Skills
- Regulatory compliance
- Knowledge of banking laws
- Analytical
- Financial data analysis
- Strong time management abilities
- Expert using Encompass, Desktop Underwriter and Loan Product Advisor
Timeline
Mortgage Credit Analyst
Premium Mortgage Corporation
12.2019 - 07.2025
Loan Processor
Premium Mortgage Corporation
04.2015 - 12.2019
Loan Processor III
Wells Fargo Home Mortgage
02.2012 - 05.2014
Special Education Teacher
Penfield Central School District
09.2008 - 07.2009
Quality Assurance Analyst
JP Morgan Chase Bank
07.2005 - 11.2007
Senior Credit Analyst
JP Morgan Chase Bank
05.2003 - 07.2005
Mortgage Underwriter
JP Morgan Chase Bank
05.1994 - 07.2003
Data Entry/Administration
JP Morgan Chase Bank
07.1991 - 05.1994
Bachelor of Arts - History
Nazareth College of Rochester
Master of Arts - Educational Technology
Nazareth College of Rochester
Similar Profiles
Alexander S. LongAlexander S. Long
Mortgage Loan Officer at Premium Mortgage CorporationMortgage Loan Officer at Premium Mortgage Corporation
Alex WilliamsAlex Williams
Processing Assistant Intern at Premium Mortgage CorporationProcessing Assistant Intern at Premium Mortgage Corporation
Michael KozlowskiMichael Kozlowski
Construction Manager/ Mortgage Consultant at Premium Mortgage CorpConstruction Manager/ Mortgage Consultant at Premium Mortgage Corp
Ashton FlearyAshton Fleary
IT Field Technician at Conviva Care CenterIT Field Technician at Conviva Care Center
Joseph F DeCaro IIIJoseph F DeCaro III
Restaurant Manager at Outback SteakhouseRestaurant Manager at Outback Steakhouse