Summary
Overview
Work History
Education
Skills
Timeline
Generic

Sara CHULLINO

PHOENIX

Summary

I am a seasoned Finance and Lending Industry professional with over 35 Years of experience with Customer Service, Loan Processing, Underwriting, Credit risk analysis, and Forensic QA/AC analysis and data extraction analysis. With a robust background at First Savings Bank and expertise in financial analysis and customer service, I excel in driving credit risk assessments and loan processing improvements.

My proven track record includes maintaining a defect ratio below 5% and mentoring teams, showcasing my blend of analytical prowess and leadership skills.

I believe that my level of experience sets me apart from other candidates because I’ve developed a unique perspective having worked with multiple lending platforms throughout my extensive career. I am certified in project management and SQL and can learn quicker than most! Take a chance on me and you will not be sorry!

Overview

25
25
years of professional experience

Work History

Senior Credit Analyst

First Savings Bank
Phoenix
03.2020 - Current
  • Analyze credit worthyiness, history, and debt in order to properly identify and document trends with required supporting details and material findings using specific compliance and gudeline standards.
  • Effective communication with business partners, clients, and peers is essential to foster a cohesive environment.
  • Document new facilities, amending existing deals, and managing the closing process/due diligence requirements of commercial credit.
  • Identify delinquencies, disputes, and opportunities, in order to determine credit worthiness.
  • Prepared reports for management and executives detailing risks of extending credit or loan options for particular applications and demographics of applications.
  • Assisted clients with completion of loan applications, advising on information required and regulated by law and identifying programs best suited to clients.
  • Support Business Banking Front Line Units with getting their client’s loan closed accurately and on time.
  • Prepare legal loan documentation using bank templates and documentation tools.
  • Work closely with commercial underwriting, bank Legal and Risk partners to vet out special loan closing conditions.
  • Review large commercial loan documentation from outside counsel to ensure that it complies with bank standards prior to booking and funding loan
  • Drafted credit recommendations based on findings from financial statement analysis and other sources of information.
  • Ensured compliance with regulatory requirements and internal credit policies during the credit approval process.
  • Provide training to junior staff members regarding credit policy and procedure implementation.
  • Developed credit policies and procedures for loan operations, Processing, Underwriting, and Closing/Funding processes.
  • Handled customer service correspondence from clients, assisting with application completion, explaining qualification criteria and resolving complaints.

Senior Credit Analyst

OPUS Capital Markets Consultants
Phoenix
03.2019 - 03.2020
  • Performed credit risk analysis reviews to determine compliance with applicable consumer protection laws in accordance with regulations and guidelines.
  • Performed Quality control reviews and compiled clear and concise findings reports.
  • Reviewed mortgage loan files in order to determine accuracy and that underwriting decisions are in accordance with selected investor standards and practices.
  • Ability to handle confidential material in a professional, highly ethical manner, meet deadlines, maintain a high degree of diplomacy and tact.
  • Monitored and ensured that all loan policies and procedures are being met according to company guidelines, and all major audit guidelines.
  • Made appropriate and intelligent decisions to identify deficiencies and document fraud through a forensic and detailed review of each file.
  • Reviewed post and pre-funded loan files for compliance and document discrepencies and reach out to the appropriate party to obtain.
  • Reviewed credit profile history, income used to qualify, assets verified, and collateral findings in order to support approval.
  • Properly documented all findings to compile spreadsheets according to set standards by management.
  • Clearly communicated findings according to SLA time frames and recommends improvements when necessary.
  • Expert-level skills in the review of post- and pre-funded loan files.

Credit Risk Analyst (High Balance Portfolio)

Wells Fargo
San Diego
02.2014 - 03.2019
  • Successfully maintained current turn times as set by management with 97% rating or higher.
  • Maintained an overall quarterly defect ratio of less than 5%.
  • Consistently exceeded required volume metrics for the review of completed initial loan submissions and the completion of any assigned re-submissions for clearing of prior to documents conditions per day.
  • Stayed abreast of current trends in the mortgage industry and staying updated with all guideline changes and updates for all programs offered. (Investor/agency/government guidelines, etc.)
  • Successfully worked alongside loan officers presenting affluent borrowers with established relationships of the bank while keeping lines of communication open during the loan process to ensure closings without issue.
  • Analyze and understand complex income streams in order to determine borrower eligibility.

Senior Loan Processor

Imortgage Dba Loan Depot
San Diego
05.2012 - 03.2019
  • Worked side-by-side with Sales staff in order to exceed satisfaction standards and process files with effectivness allowing less time from approval to close.
  • Ensured loan files are compliant and eligible in the secondary market by completing a thorough and accurate review of the loan file at initial approval and final approval stages.
  • Assisted and mentored other loan processing staff members in understanding underwriting decisions/guidelines and conditions.
  • Managed timely responses to all QC rebuttal requests and post-closing requests. (24 hours or less).
  • Kept detailed notes in the designated Loan Origination System providing specifics about loan approvals, Prior to Loan documents, Prior to Closing Conditions, loan status, documentation, and closing.
  • Obtained all required documentation to facilitate loan approvals are expedited and loans could be closed in less time.

Senior Loan Processor

Prime Lending Group
San Diego
11.2010 - 05.2012
  • Analyzed income, assets, title documents, collateral, and required loan conditions in order to expedite loan approvals from start to close.
  • Determined borrowers eligibility meets all guidelines for program applied for.
  • Accountable for analyzing appraisals to determine the value was supported and meets property standards.
  • Understand and maintain a thorough knowledge of all policy & procedure updates.
  • Understood and maintained a thorough knowledge of all portfolio & Investor program guideline updates and changes.
  • Analyzed credit history to determine levels of risk factors.
  • Maintained and exceeded expectations for Service Level Agreements across all departments.(SLA's).
  • Adhered to company quality control requirements and post audit requirements.

Senior Credit Analyst

Prospect Mortgage
San Diego
11.2007 - 11.2010
  • Obtained and maintained successful loan approvals with no more than 5 required conditions/stipulations, prior to loan closing documents being issued.
  • Ability to work in a completely paperless environment.
  • Maintained relationships with internal and external customers.
  • Communicated approval requirements and closing conditions to borrower's and sales staff as needed to obtain a quick closing.

Consumer Credit Risk Analyst

Capital One Auto Finance
San Diego
03.2000 - 11.2007
  • Maintained working relationships with finance managers and auto dealership partners in order to facilitate loan approvals to closings.
  • Analyzed vehicle loan applications, title work, income, and credit history in order to appropriately approve or deny for financing.
  • Collected financial data, either face-to-face, or over the phone from loan applicants.
  • Negotiated with finance managers and loan applicants about down payments, interest rates, and other issues.
  • Documented the analysis, research, and risk assessment findings to ensure that the lending process meets legal requirements and investor guidelines.
  • Underwrote Loan files according to lender, government, and investor guidelines.
  • Reviewed Submitted documentation for potential fraud while following up as required.
  • Calculated Loan To Value and Debt to income ratios in order to ensure program qualifications for all applied borrower.
  • Obtained all required borrower and dealership documentation with speed and accuracy.

Education

Bachelor of Arts - Business Administration And Management

University of Phoenix
Online Campus
06-2026

High School Diploma -

Agoura Hills High School
Agoura Hills, CA
06-1996

Skills

  • Financial analysis
  • Credit assessment
  • Loan processing
  • Regulatory compliance
  • Project management
  • Customer service
  • Operations Management
  • Credit analysis
  • Underwriting
  • Forensic Data analysis (post and pre-fund)
  • Non-QM loans such as asset based, DSCR, bank statements, (ITIN) foreign National, commercial rental properties, recent credit events, I/O
  • QA/QC Analysis expert
  • Credit Risk Analysis (mortgage, consumer, and auto finance operations)
  • Process Management
  • Mortgage Banking Loan Underwriting (Retail, Wholesale, FHA, VA, Equity Lines, Prime, and Subprime platforms)
  • Operations Management (Mentoring, Training, and team leadership)
  • SBA
  • Banking Relationship/Portfolio Management (High balance)
  • Consumer Credit Analysis (Personal lines secured and unsecured)
  • Underwriting, Processing, and Funding/Closing
  • Collections and post closing/servicing
  • Auto Finance (Consumer and Dealership originations and relationship retention/management)
  • High balance personal and business lines of credit (Underwriting and Processing)
  • Mortgage Origination/Sales (MLO)
  • Project Management certified

Timeline

Senior Credit Analyst

First Savings Bank
03.2020 - Current

Senior Credit Analyst

OPUS Capital Markets Consultants
03.2019 - 03.2020

Credit Risk Analyst (High Balance Portfolio)

Wells Fargo
02.2014 - 03.2019

Senior Loan Processor

Imortgage Dba Loan Depot
05.2012 - 03.2019

Senior Loan Processor

Prime Lending Group
11.2010 - 05.2012

Senior Credit Analyst

Prospect Mortgage
11.2007 - 11.2010

Consumer Credit Risk Analyst

Capital One Auto Finance
03.2000 - 11.2007

Bachelor of Arts - Business Administration And Management

University of Phoenix

High School Diploma -

Agoura Hills High School

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Sara CHULLINO