Teresa M. Email & Phone Number

Raleigh, Nc, Us

Durham, North Carolina, United States

Westlake Village, California, United States

• Identified and mitigated risk by making informed decisions through complete examinations and analysis of borrower’s full credit, financial and asset documentation for full lending decision. Resulting in full mortgage loan approval, suspension, or denial. • Ensured all loan applications followed federal and state lending regulations, applicable investor guidelines and company policies.• Self-motivated with ability in exercising critical, independent, and sound lending judgment. Performed with consistent accuracy while maintaining integrity and utilizing time management skills • Proficient in review of personal and business tax returns, assets, equity, and accounting records to determine the financial status of individuals and/or businesses. • Extensive reviews and evaluations of financial statements and transactional records to determine discrepancies or irregularities. • Considerable knowledge of assessing a potential or existing financial/credit issue through investigative examinations. • Demonstrated ability in recommending alternative solutions to cross-functional teams through an effective action or plan based upon the acquired information. • Exhibited effective verbal and written communication abilities.

Raleigh-Durham, North Carolina Area

• Collected, analyzed, and ensured accuracy of all necessary financial and supporting documents required for a full review of residential mortgage lending. • Reviewed complex income, tax returns, assets, and other related financial documentation to determined if all factors align in the designated loan program. • Ensured risk assessment and compliance during the loan process.• Strong ability to multi-task in an environment where priorities and needs change quickly.

• Facilitated effective interviews to support veterans in their job search, ensuring a thorough understanding of their skills and goals.• Built relationships with veteran friendly employers and connected them with clients.

Westlake Village, Ca 91361

• Analyzed and reviewed financial statements, personal and business tax returns, income, equity, and asset documentation to determine creditworthiness for residential mortgage lending.• Provided effective alternate solutions to teams regarding complex income or credit issues to obtain acceptable loan approval. • Efficient working independently and making sound judgments and confident decisions