• Analyze agro-business clients' financial condition and monitor credit worthiness in accordance with the organizations holistic risk management rating system.• Develop and analyze information for each agro-business partner for information obtained through demographic and regional analysis, in addition to clients own documentation.• Research and thoroughly outline each investment opportunity's risks and potential in timely credit memos for evaluation by the internal credit decision makers.• Perform various credit and collection.• Perform financial analyses for program, and mission related investments.• Communicate research findings and present analyses through written reports, investment memos, data visualizations (graphs, maps, reports), and presentations.• Collaborate with staff in farming operations data collection and data-driven impact measurement and accountability.• Develop and utilize spreadsheets, databases and other computer applications.

Communicate important information such as plan design changes and wellness programsEnroll employees in all of their benefitsConfirm vital employee data

• Assist new associates to build business income, eliminate debt, investment education and wealth building. • Expand business reach through networking techniques.• Educate families on the importance of entrepreneurship as it relates to business and economics.• Train and teach new associates core financial strategies to attain personal financial success and build teams.

• Analyzes and evaluates residential loan applications originated by U.S Bank branch offices in accordance with industry and business unit standards. • Gathers analyzes and interprets all types of credit information for existing and prospective retail banking customers in order to maximize credit and minimize risk and potential loss. • Develops and maintains a loan underwriting portfolio consistent with the Bank’s guidelines for credit quality and Investor or Insurer standards. • Approves and/or denies loans within certain limits and makes credit structure and loan eligibility decisions.

• Develop and maintain knowledge of multiple loan product guidelines for quick and accurate answers• Provide quality assurance on all loan approvals.• Analyze borrower’s credit profile, collateral and capacity to repay the proposed mortgage obligation.• Ensure loans meet both agency and government guidelines.• Accurately calculate borrower’s income and debt-to-income ratios.• Review conditions submitted on loans and sign off on conditions where appropriate.• Communicate loan decisions to internal departments in a timely manner.• Collaborate closely with Account Managers, Lending Officers & Management to answer specific loan questions or verify condition and documentation request.• Prioritize work queue to ensure service level agreements are met.• Consistently meet and exceed established minimum quality & productivity goals.

• Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines.• Review customers financial documentation and propose solutions to assist customers in obtaining homeownership.• Evaluate all loan underwriting documentation to ensure compliance with investor requirements (loan documents, appraisals, credit reports, title etc.)• Assisting with re-negotiations of loans based on lending guidelines; contacting customers and partners to gather information to make appropriate decisions.• Analyze and review financial statements, credit reports, verification of assets, applicable ratios (i.e. Debt ratios, loan-to-value) and evaluate transactions to ensure accuracy and completeness.• Conduct collateral review and credit review.

• Initiate credit facility proposals in iCRD for new facilities, existing facilities and data maintenance.• Populate facility and obligor data as necessary prior to routing proposals for approval.• Update iCRD proposal as needed prior to release based on changes during negotiation. • Ensure credit requests, queries, and issues sent to the team are actioned accurately and timely in accordance with stated procedures and policies.• Communicate to partners such as Treasury Management Officer / Sales Associate that facility is available. • Ability to quickly interpret credit approval requirements in relation to JPMC Risk Policies and consistently apply the requirements within daily activities.• Monitor various data quality reports for accuracy and timely correction of errors.

• Review and analyze customers financial documentation and propose solutions to assist customers in obtaining homeownership.• Review all loan underwriting documentation to ensure compliance with investor requirements (loan documents, appraisals, credit reports, title etc.)• Assess financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review.• Analyze problems and identifies potential or innovative solutions, identifies documentation deficiencies within review and communicates findings to mortgage banker. Special Achievements Assess financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review. Experience working with Fannie Mae Desktop Underwriter and Freddie Mac Loan Prospector. Knowledge of FHA, FNMA and FHLMC policies and guidelines. Knowledge of mortgage loan processing, compliance, investor products and underwriting guidelines. Knowledge of mortgage insurance (MI) guidelines. • Working knowledge of various fraud tools. VA/LAPP and FHA

• Assess investment documents to ensure they are administratively feasible and meet IRS requirements. • Primary contact person for clients and investment sponsors as needed to establish new investments.• Support and guide clients through the investment process consistent with IRS rules and regulations.• Respond to client or sponsor inquiries on adding new investments to the platform.• Provide educated answers with regard to IRA requirements and Internal Revenue Service Code including prohibited transactions and complex investment scenarios.

Review, analyze, approve and underwrite individual consumer requests and products within company and industry guidelines to help mortgagors retain property. Also review, hardship packages, determining length and impact of financial hardship, conducting cash flows to determine affordability including unusual or complex financial documentation.• Received Highest Level of Home Preservation Delegation of Authority to service decisions within a specific level of identified risk • Proud member of team awarded the “Government Sponsored Enterprise 2014 Performance Award” for two consecutive years in a row• Received “High Speed Decision Delivery Award” in 2013• Quality Star Award recipient in 2012-2015 for exceptional productivity and quality achievement

Reviewed pertinent income documentation such as paystubs, tax returns with all schedules, investment statements etc. to qualify applicants for requested home equity loans and line of credit. Worked as liaison to home equity processors and mortgagors in obtaining required income documentation• Ensured loan submittals met internal and external eligibility requirements• Evaluated the financial strength of borrowers to determine risk and repayment capacity• Utilized critical thinking and creative problem-solving abilities to resolve complex financial challenges while handling a voluminous number of files

Evaluated and Audited underwriters’ completed modifications and ensured that government regulations and Chase’s polices were followed in regards to modification guidelines• Executed sharp organizational, analytical, and multi-tasking abilities while executing second-level reviews on numerous loans submitted for denials, approvals and cancelations• Maintained compliance with lending, underwriting and government requirements• Demonstrated excellent follow-through with borrowers, loan processors and management throughout all phases of the underwriting process

Evaluated homeowner credentials including credit reports, hardship letters, tax returns etc. in review for potential programs to save homes. Reviewed vendor work such as titles and appraisals to determine the customer’s ability to qualify for modifications and payment plan options while managing pipeline over 80 loans• Trained and worked modifications for Government (FHA), Fannie Mae and Freddie Mac investor loans• Received quality and production awards frequently for superb service to customers and exceeding metric standards• Leveraged strong negotiation skills, achieving ranking as a top producer, surpassing all quotas and consistently creating favorable outcomes

Conducted mortgage confirmations for mortgage clients. Processed and imaged mortgage lien releases to borrowers and beneficiaries• Managed multiple tasks in a timely manner to ensure all loans are meeting compliance and regulations per different state. • Processed over 120 loans per day while meeting deadlines in a timely manner.• Established, maintained, and updated files, databases, records, and/or other documents for recurring internal reports including Title Release Report (weekly) and Title Tracking Report (monthly)

Conducted workers compensation audits with Premium auditors at insured’s locations. Managed detailed time study analysis for different regions and its companies.• Played an integral role in managing performance and production goals with Regional Manager for staff• Developed and implemented recommendations for streamlining audit processes • Identified root causes of key problems/issues of low performances in particular locations within region.