Dana Cole, Mba Email & Phone Number

Dallas/Fort Worth Area

• Process all aspects of disaster loan making and disaster loan disbursement to homeowners, renters and businesses seeking funds for repair, rehabilitation or replacement of disaster damaged personal, real or business.
• Process business loans and the more complex residential loans and all types of business and economic injury loans such as corporations, partnerships, non-profit organizations, sole proprietorships, LLCs, condominiums.
• Investigate and evaluate credit of applicant business, related affiliates and principal owners.
• Evaluate and prepare income projections and pro forma balance sheets in order to determine when and if business can generate adequate cash flow to repay loan and other debts.
• Analyze operating cycle of business to determine working capital requirements and extent of economic injury.
• Determine amount of loan eligibility by identifying working capital needs to keep business viable during recovery period.

Richardson, TX

• Investigated fraud while performing detailed post-closing mortgage file reviews of secondary mortgage loans executed at closing in order to meet investor requirements.
• Re-Underwrote a wide variety of product and loan types with a higher aggregate credit exposure including underwriting exceptions not determined through DU/AUS
• Reviewed original loan files for completeness and accuracy
• Calculated income, reserves and debt ratios (DTI,LTV, CLTV, PITI)
• Identified underlying business practices and fraud exposure thru credit and property assessment

Dallas, TX

• Assisted in establishing the Center of Excellence across 4 lines of business (Corporate Security, Compliance Data Center, Global Banking & Markets and Consumer Negative News) in order to establish consistent oversight.
• Performed a variety of AML/KYC money laundering detection activities in support of Bank Secrecy Act (BSA) and/or Anti-Money Laundering (AML) regulations designed to prevent financial-related crimes against the.
• Reviewed cases for adherence to EDD procedures and SPF/PEP per the Amplification Policy; Ensured analysts’ recommendations were accurate based on all information available within the alert
• Onboard new hires, training/development and oversight of corporate reporting
• Supervised and coordinated activities of 10 business analysts within Tier 1 and Tier 2 Investigations
• Developed project plans and project milestones

Farmers Branch, TX

• Managed 15-30 analysts while monitoring data enrichment and remediation activities of equipment finance and railroad project from implementation cycle up to account closure.
• Satisfied OCC regulatory requirements including KYC, BSA, Patriot Act and all matters related to the preparation, review, and filing of relevant regulatory investigation reports
• Monitored production performance to maintain the quality of services, deliverables and content
• Analyzed transactions, reviewed account alerts across business lines and reviewed customer due diligence (CDD)for potential Bank Secrecy Act/Anti Money Laundering (BSA/AML) red flags
• Interviewed and trained potential KYC and AML candidates
• Assisted with process improvements, procedure writing, quality assurance, and ad hoc projects

Plano, TX (Contract Client: USAA)

• Reviewed mortgage loans for compliance with the Good Faith Estimate (GFE) and Housing and Urban Development Settlement Statement (HUD-1) requirements of RESPA.
• Remediated findings relating to RESPA tolerance errors including possible re-disclosure and calculation of any necessary reimbursements
• Audited, tracked and input all HMDA data per Federal regulations
• Provided recommendations for process improvements in order to prevent further compliance errors

Irving, TX

• Performed detailed post closing underwriter reviews of USDA/FHA/VA/Fannie Mae, Freddie Mac, Conventional and bank loan files executed at closing in order to meet regulatory and investor requirements.
• Assessed escalated closed loans for eligibility with respect to Selling Guide, DU Guidelines and negotiated terms as defined by lender partners
• Obtained and reviewed documentation to clear outstanding loan stipulations
• Performed risk analysis and made decisions regarding deficiencies identified during the review process of one-to-four family residences
• Extensive credit report analysis, LTV, Title, DTI and appraisal review
• Identified transaction components that indicated a potential for fraud and conducted sufficient investigative work to resolve issues identified

Irving, TX (Client: Bank Of America)

• Managed 15-90 analysts across 4 lines of business (Fannie Mae Short Sale, DIL, Foreclosure, REO) conducting audit reviews of residential loans towards compliance with OCC (Office of the Comptroller of Currency).
• Managed medium to large client projects clearly defined at signing
• Exceeded scorecard performance expectations (linked to client service level agreements) and Statement of Work objectives; Trained supervisors and Subject Matter Experts
• Reviewed daily, weekly, and monthly productivity and suspense reporting while assigning cases
• Consulted senior leadership to discuss issues identified through ineffective processes, compliance gaps, and possible system glitches (performance/UAT testing)
• Conducted performance appraisal reviews; recommended and executed disciplinary action

Washington D.C. (Assigned To San Juan, Puerto Rico)

• Investigated financial institution fraud, conflicts of interest, and other matters relating to improper conduct involving employees, third-party affiliates and vendors.
• Verified Bond and D&O insurance claims in order to ensure compliance with FDIC rules and payouts
• Investigated suspected abusive practices by financial institution directors, officers and principal shareholders towards recovery of potential civil money penalties
• Collected and researched bank records, financial and personal information in order to determine the accuracy and authenticity of the information collected
• Conducted in-depth legal, financial, and regulatory audit reviews
• Performed enhanced due diligence for high risk banking personnel while reviewing BSA, USA Patriot Act, OFAC and AML policies

Fort Worth, TX

• Call Center Management; Managed daily loan processing operations following presidentially declared disasters for the federal agency that approves and disburses loans for disaster recovery nationwide.
• Reviewed work assignments of 22 loan officers including loan applications, loan modifications and disbursements following presidentially declared disasters
• Reviewed hardship packages, credit reports, income documents (i.e. 4506T, paystubs, award letters, P&L), legal documents (bankruptcy, divorce, child support), and self employed borrower documentation
• HAMP Loss Mitigation Underwriter for Wells Fargo; Reviewed FOIA requests submitted to agency
• Assessed loan applications for financial ability to repay, assets, credit report for debts/liens, income verification, and appraisal for collateral risk and equity availability
• Provided telephone monitoring services within a call center environment, participated in audit reviews and provided congressional summary reports based on audit findings

Torrance, CA

• Guided and managed the overall provisions of HR services, polices and programs within an upscale retail store grossing $50 million annually.
• Human Resources Management: Recruited, hired, and trained 200+ new-hire supervisors, customer service, logistics, and administrative team members
• Provided performance management, employee relations, terminations, exit interview and onboarding services to retail staff
• Created succession plans
• Strategic recruitment and public relations activities to include attending job fairs and professional networking events
• Performed reference checks and random payroll audits

San Francisco/Oakland/Dallas/Florida/New York

• Screened, Interviewed, tested, and referred well-qualified applicants for federal positions within the newly formed Department of Homeland Security (TSA).
• Management/Startup Operations: Recruited both exempt and non-exempt airport personnel for federal positions within the newly formed Department of Homeland Security
• Traveled 75% nationally to provide startup security services at major airports in New York, California, Texas, Florida and other states following September 11th
• Extended contingent offers of employment based on structured, behavioral interviews and assessment scores
• Supervision/Staff Development: Trained and coached 6 HR Assistants who processed employment, payroll, and security clearance documentation
• Reviewed and verified I-9, W-2, SF-85P and other new hire documentation of each candidate to ensure accuracy and authenticity

Master Of Business Administration (M.B.A.), Business Administration

Bachelor’S Degree, Business Management

Activities and Societies: Who's Who Among American Colleges and Universities