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 relationships to identify and assess risk issues and assign risk ratings.. Conduct onsite operational audits of mortgage servicers and provided performance reviews to Senior Management

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 defined business processes are executed pursuant to agreed upon timing, procedure and metrics. . Analyze risks and recommend solutions for the risks and/or complex problems identified.Ensure loan quality through data integrity and risk management.Research value frauds and patterns, initiate and contribute tools for detecting value-related fraud. Make recommendations for new policies to minimize fraud and control other risks more effectively.Make recommendations on pricing of products or assigning of risk levels based on analysis of credit risk of loans, transactions, or proposed contracts.

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, industry risks, and anomalies that lead to further investigation.Collaborated with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifying/resolving potential problem loans.Prepared a comprehensive credit summary in conjunction with the Relationship Managers and Credit Managers to address all material aspect of the request.Supported management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities.

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 with re-negotiations of loans based on lending guidelines.  Contacted customers and partners to gather information to make appropriate decisions, explaining rationale behind credit decision.  Provided work direction or training to lower level team members and provided performance feedback to Manager.

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 staff and workload management. Developed and set goals for the branch and each employee, conducted staff training and handled any related human resources issues. Ensured that the credit policies and underwriting guidelines adhered to company norms. Responsible for the production of monthly reports on marketing and sales, financial flow projections, budget planning and analysis for District Manager and Area Director.

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.