Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

ZACHARY WILSON

Bowie,MD

Summary

Accomplished Junior Data Analyst and Loan Specialist with a robust expertise in R, SQL, and Python. Renowned for precision, exceptional organizational prowess, and a proactive approach to complex problem-solving. Proven track record of optimizing customer satisfaction and driving significant operational enhancements. Adept communicator and astute decision-maker with a commitment to continuous professional development. Poised to leverage analytical acumen and extensive financial knowledge as a Loan Officer/Underwriter or Financial Analyst in a forward-thinking organization.

Overview

18
18
years of professional experience
1
1
Certification

Work History

LOAN SPECIALIST

Small Business Administration
05.2023 - Current
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans
  • Observed corporate and federal regulatory policies in terms of data security, privacy and confidentiality
  • Exceeded monthly quota for charge off loans
  • Manages review and services complex transactions, including long-term corporate and structured transactions, asset-backed transactions, and participation in limited recourse project finance transactions
  • Processed high volumes of loan files
  • Collects and reviews various documentation during asset management to evaluate the borrower's financial condition, ensure compliance with executed agreements and determine capacity to repay potential debt
  • Submitted high volumes of email requests for lnrs
  • Reviewed loan agreements to confirm completeness and accuracy
  • Collected past due loans, keeping credit and collateral exceptions within policy ranges
  • Average loan charge off 20 a day
  • Assisted in training new employees on loan origination systems used by the organization
  • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information
  • Contacted applicants or creditors to resolve questions about applications or to assist with completion of paperwork
  • Risk Assessment
  • Statistical Analysis, Knowledge within statistical methods and techniques
  • Strong Attention to Detail
  • Authorized and signed mail collection letters
  • Determined write-offs for collection agencies
  • Skills in dynamics, microsoft word, excel, power bi.

LOAN PROCESSING ASSISTANT

Highlight Technologies LLC
09.2021 - 05.2023
  • Managed loan submissions and documentation, including credit reports, income and asset documentation, appraisals, and collateral reports
  • Ensured accuracy and adherence to underwriting standards
  • Evaluated financial statements and loan applications, assessing eligibility and risk factors
  • Utilized fraud prevention tools to mitigate risks and ensure compliance with regulatory requirements
  • Coordinated with clients, attorneys, title companies, and government agencies to facilitate the closing process
  • Generated status reports, addressed discrepancies, and contributed to marketing and client acquisition efforts
  • Serves as a relationship manager for borrowers, lenders, and exporters for complex portfolios of transactions
  • Portfolios may be under development (pre-authorization) or in the operative stage
  • Manages and services complex transactions, including long-term corporate and structured transactions, asset-backed transactions, and participation in limited recourse project finance transactions
  • Utilizes resources such as contact with exporters, borrowers, lenders, government officials, the internet, library, and other research methods
  • Prepares written reports on country conditions as required
  • Evaluate the borrower's financial condition, ensure compliance with executed agreements and determine capacity to repay potential debt
  • Coordinates and accomplishes the day-to-day activities for transactions
  • Evaluated financial statements and analyzed loan files, reviewing client income, assets, and credit to ensure compliance with underwriting criteria
  • Ordered, prepared, and verified documents necessary for loan closings, ensuring compliance and timely processing without last-minute issues
  • Maintained up-to-date knowledge of internal policies, state, and federal regulations to ensure adherence and regulatory compliance
  • Liaised between borrowers, realtors, title companies, and loan company management, preparing complete packages for underwriting and facilitating smooth communication throughout the loan process.

MEMBER SERVICE REPRESENTATIVE

Navy Federal Credit Union
11.2020 - 09.2021
  • Provided expert support on financial products and services, resolving member inquiries and handling complex account issues with a strategic approach
  • Enhanced client retention by delivering exceptional service, addressing concerns, and advising on product solutions to meet individual needs
  • Conducted thorough reviews of new account applications and transactions, ensuring accuracy and compliance with eligibility criteria
  • Risk assessment
  • Identified opportunities for business growth through profiling and cross-selling, achieving high member satisfaction and contributing to consistent performance improvements
  • Investigation
  • Collected deposits or payments and arranged for billing
  • Assisted customers with price checks, lifting heavy items and addressing other inquiries
  • Increased customer satisfaction ratings 96% by effectively answering questions, suggesting effective solutions and resolving issues quickly
  • Took special orders in person and over telephone, generating additional revenue every month
  • Mentored junior team members and managed employee relationships.

Lead Financial Services Consultant / MLO

Suntrust Bank
03.2006 - 02.2020
  • Facilitated employees, to account openings, loan applications, and financial decision-making, adhering to operational standards and ensuring compliance with security and risk management protocols
  • Built and maintained strong client relationships, offering tailored financial solutions and maximizing opportunities through effective analysis and personalized advice
  • Educated clients on banking products, digital solutions, and self-service options, enhancing their overall experience and promoting branch loyalty
  • Risk Assessment
  • Client servicing and retention
  • Collaborated with loan officers and financial advisors to provide comprehensive financial solutions, processed transactions, and ensured accurate record-keeping and compliance.

Education

Bachelor of Arts - Business, Finance, and Computer Science

Prince George's Community College
08.2024

High School Diploma -

Dr. Henry A. Wise Jr. High School
05.2005

Skills

  • Data Analysis & Visualization
  • Structured Query Language (SQL)
  • Data Collection & Analysis
  • Data Validation
  • MS Office
  • Data Management
  • Conflict Resolution
  • Relationship Development
  • Debt & Credit Management
  • Financial Planning
  • Customer Service-Focused
  • Critical Thinking
  • Strong Interpersonal and Communication Skills
  • Analytical Thinking and Problem Solving
  • Data Warehousing and Analytics
  • Python
  • Query Tools
  • Supporting Non-QM Production
  • Credit Reports, Income Documentation, Asset Documentation
  • Appraisals and Collateral Reports
  • Fraud Prevention Tools
  • Microsoft Excel
  • Microsoft Access
  • SQL (Structured Query Language)
  • R
  • Tableau
  • Power BI
  • SAS
  • Stata
  • SPSS

Certification

Google Data Analytics Professional Certificate, 08/2016

Timeline

LOAN SPECIALIST

Small Business Administration
05.2023 - Current

LOAN PROCESSING ASSISTANT

Highlight Technologies LLC
09.2021 - 05.2023

MEMBER SERVICE REPRESENTATIVE

Navy Federal Credit Union
11.2020 - 09.2021

Lead Financial Services Consultant / MLO

Suntrust Bank
03.2006 - 02.2020

Bachelor of Arts - Business, Finance, and Computer Science

Prince George's Community College

High School Diploma -

Dr. Henry A. Wise Jr. High School

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