Raphael Mbugua Email & Phone Number

Sandy, Utah, US

• Report significant risk exposures and control issues, including fraud risks, governance issues, and other matters needed
• Monitor and evaluate the effectiveness of the organization's risk management processes.
• Evaluate the systems established to ensure compliance with those policies, plans, procedures, laws, and regulations which could have a significant impact on the organization.. Analyze prospective or existing client.

Englewood, Colorado, US

Manage and monitor the selection of mortgage loans from the production process for Quality Control review. Monitor changes to State, Federal and Local Regulatory requirements to ensure that the Quality Control Plan and Policies are up-to-date and meet all requirements. Partner with Operation teams to implement defect remediation strategies. Ensure all.

Pittsburgh, PA, US

Evaluated all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness.. Comprehended all schedules, notes, and K-1's and Differentiated between cash and accrual method as well as comprehend UCA cash flow analysis. Identified credit strengths, weaknesses.

San Francisco, California, US

 Underwrote frontline conventional Mortgage loans, Reviewed financial statements, credit reports, debt ratios and loan-to-values.  Examined transactions to ensure accuracy and completeness ensuring that documents are consistent and uphold company and industry guidelines.  Implemented fraud detection techniques; performed compliance reviews and assisting.

New York, New York, US

Partnered with the Branch Manager in executing strategies to develop new sources of business, customer retention and portfolio management. Provided credit decisions, enhanced loan and insurance product sales and serviced accounts. Provided a supervisory level of responsibility for other operational functions to include managing the performance of branch.

San Francisco, California, US

Approved loans within the approved limits as a consumer loan officerForwarded loan applications beyond approved limits to superior officer to approval.Analyzed applicants economic status and property details prior to support loan approvalGathered credit histories, financial statements and other relevant information to support loan approval.