Daksha Patel Email & Phone Number

Mt. Laurel, New Jersey, United States

– Reviewed and evaluated loan applications to ensure accuracy, completeness, and compliance with TD Bank’s lending policies and Fannie Mae (FNMA) requirements.– Partnered with loan processor on requesting additional supporting documentation for processing. – Assessed each applicant’s income, assets, credit, LTV, and DTI to determine creditworthiness, potential fraud, or misrepresentation. – Provided final loan approval authorization up to designated limit.– Managed loan document assignment pipeline.

Southfield, Mi

Coordinated underwriting efforts for Conventional, FNMA, FHLBC, and Jumbo loans using Encompass.– Executed pre-approvals and pre-determinations of the loan’s ability to fit into a program on a preliminary basis.– Verified loan documents to determine final approvals in adherence to investor guidelines, lending policies, and compliance; validated applicant’s RSU or self-employed income to determine DTI and loan eligibility.– Pulled and reviewed exception reports; prepared and submitted management approval memo for exceptions and larger loan amounts.

Southfield, Mi

Responsible for reviewing, tracking, and spreading financial statements to determine trend identification, financial strength, collateral value, liquidity, risk grade, and debt service coverage ratio.– Identified spread in financial statements operating OnePoint32; employed various processes, such as covenant compliance analysis, risk rating review, and credit risk profile; provided recommendations on risk rating appropriateness of credit.– Monitored clients through preparation of Financial Analysis Summary.– Managed Impairment Analysis for OAEM and Substandard portfolios utilizing AS400.– Prepared monthly and quarterly board packages for commercial loans.

Troy, Michigan

– Responsible to spread variety of financial statements utilizing MFA on a timely and accurate basis in accordance with GAAP. Prepare Risk rating scorecard, Credit risk profile, Repayment model, Projections, Proposal letters and Term sheets.– Analyze complex financial statements to determine financial strength, liquidity, debt service coverage and collateral value.– Evaluating client’s covenant compliance and performance pricing issues including modification to approval and legal documents.– Monitor and update borrowing base limits on appropriate systems of record to determine credit availability and ensuring collateral coverage. Prepare CPM utilizing Hyperion/Essbase.– Ensure data integrity through technically accurate input of information to AFS, EAGLE, Market Manager, and all other systems.

Troy, Michigan, United States

– Responsible for the spreading of financial statements utilizing MFA and FAMAS.– Responsible for entering covenant and deteriorating financial condition (MRA) analysis as measured in Market Manager and record in log.– Prepare administrative reports, assisting the Lending Division with cleaning up their reports to ensure accuracy for the administrative reports.– Prepare CSM Auto analysis on an accurate and timely basis as requested from Senior Management.

Master Of Science - Ms, Accounting And Finance

Bachelor Of Science - Bs, Accounting