NASA Johnson Space Center

EV Business Manager

Catalyst Funding, LLC

•	Evaluate loan applications and supporting information and documentation (credit reports, appraisals, title reports, insurance policies, verification of employment/income, flood certifications, etc.)
•	Responsible for communicating with borrowers, loan officers, escrow officers, insurance agents on the status of loan files, answering questions and providing and obtaining other information as necessary to get the loan ready for closing
•	Submit files to Underwriter, review conditions when received from underwriting and work to clear all conditions to get files ready for closing

Mortgage Loan Processor

H&R Block

- Conduct tax interview with clients;
- Prepare complete and accurate tax returns: individual/small business/corporations
- Provide clients with IRS audit support

Senior Tax Analyst

JSC Federal Credit Union

•Loan origination functions, including 
-	Credit cards, Personal loans, Certificate of Deposits 
-	Auto / RV /Boat loans, new/refinancing/purchase from a dealership/from business/from individual
-	Quote and sell GAP, warranty, credit life disability
•Member service functions, including new/closed accounts, account maintenance
-	Personal accounts, DBA accounts under EIN, TUTMA/Minor accounts, Estate / Deceased accounts

Solution Specialist III

PJSC Avangard Bank

•	Work with bank management to create plans to achieve department’s goals.
•	Report to the bank management on department’s results.
•	Generate business growth, increase client retention, offer additional products and services.
•	Build an engaging team environment by training and coaching associates.
•	Approve loans for various client base within specified limits and refer loan applications outside those limits to Credit Committee for approval.
•	Review loan agreements to ensure that they are complete and accurate according to the bank policy.

Manager of Credit Department

PJSC SBERBANK OF RUSSIA

•	Hold meetings with clients to explain the variety of financial products and bank services available.
•	Meet with clients to obtain information for loan applications and to answer questions about the process.
•	Interview prospective loan applicants to determine up front eligibility and screen for approval.
•	Explain to clients the different types of loans and credit lines options that are available, as well as the terms of those services.
•	Ensure loan applicant provides required information and supporting documentation.
•	Review Loan Applications and documents for accuracy and completeness.
•	Prepare Loan Presentations, including:
-	Balance Sheet / Income Sheet trend analysis
-	Repayment analysis based on a cash flow projection
-	Collateral coverage / Appraisal Review
-	Information about a guarantor and the guarantor’s financials analysis
-	Business Plan analysis 
-	Credit History etc.

Assistant Manager of Credit Department

•	Review and evaluate loan documents to ensure accuracy, completeness, and compliance with bank lending guidelines. 
•	Analyze customer’s loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, sources of down payment funds, and supporting documentation.
•	Review Appraisals, Insurance Policies, Title Packages

Senior Economist II – Credit Department

Senior Economist – Credit Department

Economist – Credit Department

CB "Kuban Credit" LTD

Economist Associate – Credit Department

•	Account maintenance, including new/closed accounts.
•	Receive and process financial transactions, including deposits, withdrawals and loan payments.
•	Interview, originate and process personal loan/credit card applications.

Financial Services Representative

I am a bank professional with ten years of experience in Lending with specialization in Oil and Gas Companies; Agro-Industrial Complex, including Grain Wholesalers; Construction Companies; Financial and Industrial Groups: loan origination/ processing/ underwriting.
I have also three years (seasonal) of experience in taxes: individual/ small business/ corporations. 

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