TRECIA DUNCAN
TX
Summary
Highly-motivated professional with desire to take on new challenges. Strong work ethic, adaptability and exceptional interpersonal skills. Diligent Senior Credit Analyst touting 10+ years of expertise in gathering and evaluating documentation to conduct risk reviews. A gifted professional mentors associates and provide insight into job tasks. A smart team player knowledgeable in all forms of financial data. Experienced with credit risk assessment, financial statement analysis, and risk management. Utilizing analytical skills to evaluate creditworthiness and develop risk mitigation strategies with a strong understanding of regulatory compliance and financial modeling.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Senior Credit Analyst
JPMorgan Chase
02.2023 - 06.2025
- Analyzed credit data and financial statements to determine risk levels for loan applications.
- Developed and implemented credit policies to enhance risk assessment processes.
- Collaborated with cross-functional teams to streamline credit evaluation procedures.
- Mentored junior analysts on effective credit analysis techniques and best practices.
- Conducted thorough market research to inform strategic lending decisions.
- Utilized advanced financial modeling tools to assess borrower qualifications and repayment capabilities.
- Reviewed and improved existing credit scoring models to increase predictive accuracy of loan defaults.
- Performed credit reviews on corporations to assess financial conditions.
- Complied with internal controls and government regulations.
- Gathered loan documentation for underwriting.
- Increased efficiency in credit review process by developing standardized templates for financial spreading and risk assessment.
- Streamlined the loan approval process by effectively collaborating with sales, underwriting, and operations teams.
- Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
- Conducted thorough financial statement analysis for accurate assessment of borrowers'' repayment capacity and financial health.
- Managed a diverse portfolio of corporate clients while maintaining strong relationships and addressing their credit needs.
- Evaluated customer credit data to determine level of risk involved in money lending.
- Improved credit risk management by developing and implementing comprehensive credit policies and procedures.
- Reduced turnaround time for loan approvals by streamlining workflows between various departments involved in the credit application process.
- Played an instrumental role in the development of credit analysts by providing guidance, mentorship, and constructive feedback on their performance.
- Conducted timely reviews of existing credits ensuring compliance with covenants, terms, and conditions stipulated in loan agreements.
- Assessed credit risk and analyzed financial statements.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Made decisions and recommendations about extending lines of credit.
- Developed credit models to assist in the credit decisioning process.
- Investigated and resolved customer disputes related to credit decisions.
Sr. Operations Risk Analyst
USAA
05.2022 - 03.2023
- Identified, analyzed, and evaluated mortgage risks across multiple business and maintained risk control frameworks to ensure compliance.
- Conducted independent mortgage reviews and processes and procedures to identify potential areas of risks in the development of policies and procedures for mitigating operational risks.
- Monitored changes in laws, regulations, in the mortgage industry to meet standards related to operational risk management practices.
- Prepared reports on key findings from mortgage risk analysis activities for senior management review.
- Provided guidance on best practices for managing operational risks across the organization.
- Performed data analysis using statistical techniques to identify trends in operational risk exposures.
- Collaborated with all mortgage departments to ensure that all relevant information is considered when assessing operational risks.
- Performed periodic reviews of existing mortgage systems for accuracy, completeness, and effectiveness.
- Performed in-depth and comprehensive gap analyses to determine root cause of process gaps and regulatory compliance failures in delinquent mortgage files.
- Escalated identified risk issues, challenges and trends to senior management and delivered risk-related documents for audit and regulatory exams.
- Wrote, maintained, distributed and updated operational mortgage risk procedural manuals, job aids and tools for training new hires.
- Reviewed risk management database reports for compliance and fraud prevention.
- Developed in-depth reports, which delivered improved visibility and enabled better control of credit risk.
Sr. Mortgage Underwriter
Navy Federal Credit Union
05.2021 - 05.2022
- Assisted Loan Officer with requests and tasks needed to complete and process applications.
- Followed all federal VA mortgage guidelines to prepare clients application for closing and funding.
- Analyzed mortgage loan applications and supporting documents to determine eligibility for mortgage loan approval.
- Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
- Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
- Submitted mortgage loan applications to underwriting department for review and approval process.
- Explained the various types of loans available and advised on the best product suited for customer's needs.
- Maintained accurate records in computer database system during mortgage loan origination process.
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout mortgage closing process.
- Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
- Reviewed appraisals to ensure accuracy of value estimates.
- Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
- Compiled closing packages containing all necessary documents required for funding.
- Verified accuracy of closing figures prior to disbursement of funds.
- Monitored progress of each loan application from start to finish ensuring timely completion.
- Assisted borrowers with questions regarding their loans after closing.
- Conducted quality control reviews on closed files ensuring compliance with state and federal regulations.
- Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.
- Updated customers regularly on status of their loans throughout the processing period.
- Researched escalated problems related to mortgage loan processing activities.
- Adhered strictly to company policies when completing tasks associated with mortgaged loan processing duties.
- Calculated income, assets and liabilities to meet lender requirements.
- Supported loan officers and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.
- Managed conditions sent from underwriting departments.
- Created and completed loan submission packages.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Interviewed applicants to identify needs and evaluate eligibility for loans or mortgages.
- Organized loan files, updated databases, prepared general correspondence and communicated with stakeholders.
- Informed customers of loan application requirements and deadlines.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Collaborated with company teams to expedite loan approval processes.
- Developed loan contracts and explained contract terms to clients.
- Prepared reports for customers with delinquent and irreconcilable accounts.
- Identified valuable solutions for customers with credit problems.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Coordinated communication between borrowers, underwriters, and loan officers to ensure efficient processing.
- Reviewed and analyzed mortgage applications for compliance with regulatory standards.
Software Support Analyst
Calyx Software
11.2019 - 11.2020
- Created user accounts, reset passwords, and maintained access rights in accordance with security policies.
- Resolved system errors by troubleshooting application issues, identifying root causes and recommending solutions.
- Installed and configured various software programs on customer computers and networks.
- Tested new mortgage software releases to ensure compatibility with existing systems.
- Assisted in developing documentation of known issues and resolutions for future reference.
- Analyzed data from logs to identify trends in customer support requests.
- Monitored the performance of installed systems to detect any potential problems or malfunctions.
- Diagnosed and resolved complex technical issues related to software applications and hardware components.
- Conducted research into emerging technologies for potential implementation within the organization.
- Developed processes for resolving customer complaints quickly and efficiently.
- Performed regular maintenance checks on computer systems to ensure optimal performance.
- Provided training sessions on how to use newly installed software applications.
- Maintained a database of customer information including contact details, system configurations, and usage histories.
- Provided guidance on best practices when using company-provided software tools.
- Collaborated with other departments such as IT Support, Networking, Database Administration, to resolve complex technical issues.
- Responded promptly to customer inquiries regarding product features or usage instructions.
- Maintained positive working relationship with fellow staff and management.
- Answered user inquiries to resolve computer software or hardware operation problems.
- Evaluated customer feedback about current products and services offered by the organization.
- Installed and performed minor repairs to hardware, software or peripheral equipment.
- Evaluated software or hardware to recommend improvements or upgrades.
- Maintained records of data communication transactions, problems and remedial actions or installation activities.
- Oversaw daily performance of computer systems.
- Performed variety of clerical and administrative duties pertaining to on-site support.
- Read technical manuals, conferred with users or conducted computer diagnostics to investigate and resolve problems.
- Conferred with staff, users and management to establish requirements for new systems or modifications.
- Entered commands and observed system functioning to verify correct operations and detect errors.
- Provided technical support for software applications and hardware devices to end users.
Senior Credit Analyst
Reliable Investments
12.2017 - 10.2019
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Analyzed customer payment histories to assess credit risk profiles.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Developed strategies to manage delinquent accounts and reduce overall portfolio risks.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Provided recommendations regarding loans applications based on sound credit evaluation principles.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
- Analyzed credit reports to assess risk and determine lending eligibility
- Evaluated financial statements to provide insights on borrower creditworthiness
- Led initiatives to improve accuracy of credit assessments through data-driven insights
- Made decisions and recommendations about extending lines of credit.
- Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
- Advised senior management on credit risk trends, influencing strategic planning and risk management policies.
- Developed credit models to assist in the credit decisioning process.
- Analyzed credit data and financial statements to determine risk levels for loan applications.
- Developed and implemented credit policies to enhance risk assessment processes.
Senior Operations Analyst
National Bankruptcy Services
02.2011 - 11.2017
- Managed KPI's for team with a call queue of up to 90 calls daily.
- Reviewed and analyzed financial statements, credit reports, and other documents to determine the debtor's ability to pay debts.
- Analyzed asset values for potential liquidation or reorganization.
- Developed debt restructuring plans based on analysis of customer's financial situation through Loan IQ.
- Assisted in preparing schedules of assets and liabilities, income and expenses for filing with bankruptcy court.
- Prepared legal documents such as motions, proofs of claim, adversary proceedings.
- Maintained records of all bankruptcies filed and tracked them through completion.
- Drafted monthly reports on changes in debtor's financial condition for management review.
- Conducted research on applicable laws and regulations related to bankruptcy cases.
- Provided guidance to attorneys regarding any issues arising during the bankruptcy process.
- Interacted regularly with creditors, trustees, attorneys and debtors throughout the case lifecycle.
- Negotiated payment plans that were mutually beneficial to both creditors and debtors while ensuring compliance with applicable laws.
- Advised clients on strategies to maximize their recovery from a bankruptcy estate.
- Monitored bankrupt accounts to ensure payments are made in accordance with terms of plan agreements.
- Performed collections activities including locating assets, negotiating settlements, and initiating legal action when necessary.
- Managed ongoing communication between parties involved in a bankruptcy case.
- Assisted with preparation of materials for creditor committee meetings.
- Researched relevant case law for use in pleadings or arguments before the court.
- Liaised between bank and outside parties such as agencies, attorneys and trustees to handle bankruptcy matters.
- Implemented appropriate controls to mitigate risks from bankruptcy actions.
- Trained team members in Fair Debt Collection Practices Act and Bankruptcy Code for optimal compliance.
- Coordinated deal financing by gathering resources from financial institutions, public agencies or private companies.
- Mentored junior analysts on best practices in bankruptcy analysis and regulatory compliance.
- Collaborated with legal teams to streamline case management processes and improve efficiency.
- Evaluated financial documents to ensure compliance with legal requirements and standards.
- Analyzed bankruptcy filings to identify trends and potential risks for clients.
- Developed comprehensive reports detailing case progress and outcomes for stakeholders.
- Led training sessions on updated bankruptcy regulations for internal staff and external partners.
- Reduced error rate in bankruptcy filings by implementing strict quality control measures during case preparation.
- Consistently met deadlines under pressure while managing multiple cases simultaneously, resulting in efficient resolution of client matters.
Mortgage Risk Account Manager/ Sr. Underwriter
CitiMortgage
08.2004 - 05.2011
- Managed KPI's of team averaging 150 to 201 calls daily on dialer system.
- Responsible for reviewing, analyzing, approving & underwriting moderate individual consumer requests.
- Evaluated SCRA and Syndicated loan accounts & ensured overall loan documents where accurate, complete, & complaint.
- Reviewed of financial statements, credit reports, applicable ratios (I.E Debt rations, Loan-to-value) & other supporting documentation.
- Utilized an automated scoring system or traditional underwriting to determine acceptability of moderate terms through CRM.
- Conducted quarterly business reviews with major accounts to assess satisfaction and identify areas for improvement.
- Approved and denied all Loan applications if did not meet the waterfall income federal or company standards.
- Consistently documented loan management system regarding reason for default, payment arrangements, and changes to personal information.
- Developed tailored mortgage solutions by assessing client needs and financial situations.
- Responsible for training new hire on internal systems and company policies and procedures.
- Counseled borrowers directly regarding timely payments, discuss litigation options and repayment plans.
- Responsible for training new hire counselors on internal systems and company policies and procedures.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
- Managed portfolio to control overall mix of accounts and exposures including 1st and 2nd lien mortgages or syndicated loans.
- Managed client relationships to ensure satisfaction and retention of mortgage services.
- Collaborated with internal teams to streamline loan processing and enhance customer experience.
- Led training sessions for new staff on compliance regulations and customer service best practices.
- Advocated for clients during dispute resolutions, ensuring timely responses and effective outcomes.
- Completed required shift logs and reports, highlighting routine activities, suspicious circumstances and critical incidents.
Education
Bachelor of Arts - Business Communications
Sul Ross State University
Alpine TX05-2005
Associate of Arts - Business Administration And Management
Richland College
Dallas TX05-2002
Skills
- Excellent Communication
- Risk Assessment
- Credit Analysis
- Proficient in [Software]
- Fair Housing Regulations
- Portfolio Management
- Trend Analysis
- Multitasking
- Legal Research
- Investigative Reporting
- Compliance Training
- Records Review
- Critical Thinking
- Loan Documentation
- Information Verification
- Judgmental Lending
- Data Compilation
- Sharepoint
- Microsoft Excel
- Adaptability and Flexibility
- Internal Auditing
- Due Diligence
- Violation Tracking
- Legal Compliance
- Quality Control
- Risk Mitigation
- Verbal and Written Communication
- Oral and Written Communications
- Waterfall
- Underwriting
- Metric Tracking
- Self-Motivation
- Corrective Actions
- Compliance Monitoring
- Data Analysis
- Fraud Investigation
- Data Security
- Credit decisions
- Loan structuring
- Credit risk
- Credit scoring models
- Verbal and written communication
- Financial statement review
- Training and mentoring
- Lending regulations
- Loan documentation
- Cash flow analysis
- Skilled in [software]
- Financial statements expertise
- Credit risk assessment
- Judgmental lending
Certification
- PMP - Project Management Professional
- CRMA - Certified Risk Management Assurance
Timeline
Senior Credit Analyst
JPMorgan Chase
02.2023 - 06.2025
Sr. Operations Risk Analyst
USAA
05.2022 - 03.2023
Sr. Mortgage Underwriter
Navy Federal Credit Union
05.2021 - 05.2022
Software Support Analyst
Calyx Software
11.2019 - 11.2020
Senior Credit Analyst
Reliable Investments
12.2017 - 10.2019
Senior Operations Analyst
National Bankruptcy Services
02.2011 - 11.2017
Mortgage Risk Account Manager/ Sr. Underwriter
CitiMortgage
08.2004 - 05.2011
Bachelor of Arts - Business Communications
Sul Ross State University
Associate of Arts - Business Administration And Management
Richland College