Jean Duciau

Summary:

• Ethical financial services professional with 15+ years of accomplished experience as a lending / credit specialist with some of the industry's leading banking and financial institutions. Well versed in multiple lending programs, underwriting guidelines, loan processing requirements and government regulations. Communicates effectively with consumers and industry professionals
• Proficient in risk assessment including income (including the ability to analyze complex loan transactions including but not limited to complicated self-employed borrowers with corporate/partnership tax returns), assets, credit, property valuation analysis, and documentation review of home loans ranging from Singal Family to multi family homes, condominums and NYC Cooperative units. 
• Analytical, creative problem solver with excellent data and market research, forecasting and reporting skills. Expertly evaluates applications for creditworthiness.
• Relationship Building: Strong client relationship manager with a track record for networking, establishing and building both client and business relationships.
• Staff Leadership: Effectively trains, develops, manages, evaluates and motivates a professional staff of loan officers and processors to ensure departmental workflow efficiencies.

Summary:

• Ethical financial services professional with 15+ years of accomplished experience as a lending / credit specialist with some of the industry's leading banking and financial institutions. Well versed in multiple lending programs, underwriting guidelines, loan processing requirements and government regulations. Communicates effectively with consumers and industry professionals
• Proficient in risk assessment including income (including the ability to analyze complex loan transactions including but not limited to complicated self-employed borrowers with corporate/partnership tax returns), assets, credit, property valuation analysis, and documentation review of home loans ranging from Singal Family to multi family homes, condominums and NYC Cooperative units. 
• Analytical, creative problem solver with excellent data and market research, forecasting and reporting skills. Expertly evaluates applications for creditworthiness.
• Relationship Building: Strong client relationship manager with a track record for networking, establishing and building both client and business relationships.
• Staff Leadership: Effectively trains, develops, manages, evaluates and motivates a professional staff of loan officers and processors to ensure departmental workflow efficiencies.

Experience:

Citizens Bank, N.A, Melville, NY

Home Loan Underwriter Specialist.                                                                                                                    June 2015 to Present

Reviewed and Underwrote a monthly pipeline of Agency and Jumbo Bank Portfolio home loans for this National bank, while consistently exceeding and setting quality standards and customer satisfaction.

• Fulfillment Center management customer building with sales partners, loan processors, and management to ensure each piece of the loan underwriting transaction is completed appropriately and in a timely manner. 
• Assist in training New Hires
• Occationally facilitate team meetings while reviewing daily and monthly production goal.
• Proficient with government Regulation Z and RESPA guidelines

Bank of America NA, Melville NY                                                                                                                              Apr 2009 – May 2015

Home Servicing Specialist III                                                                                                 Apr 09 – Apr 2011 / Jun 2013 – May 2015

Managed, underwrote with SASE Level II Authority and processed monthly pipeline of aged and new home loans which included conventional and government mortgage loans for this global bank, while overseeing all phases of the loan processing and validation from point of loan request, qualification and closing and funding.

Operations Consultant                                                                                                                                                      Apr 2011 – Jun 2013

Customer Advocate responsible for the day-to-day resolution of simple to very complex executive customer inquiries on the Behalf of the President and CEO within Bank of America’s Home Loan Division. Inquiries usually involving Federal Regulatory Agencies such as Office of the Comptroller of the Currency, Consumer Financial Protection Bureau and elected Government Officials.

Responsibilities:

• Respond to Executive Correspondence on behalf of the Executive Offices.
• Highly skilled and results-driven professional with experience analyzing Home Loan customer inquiry cases with Banks Legacy Assets Servicing and Mortgage Fulfillment Line of Business for appropriate resolution and closure. 
• Creating strong Line of business relationships, Talent for improving and maintaining positive client relations
• Maintained  in-dept knowledge of Mortgage Originations and various Mortgage Servicing Lines of Businesses including retail and centralized loan fulfillment and origination, and various areas of loan servicing and default servicing.

ACNB Consultants, Hempstead, NY                                                                                                                              Jan 2006 – Jul 2008

Operations Manager

Managed total branch operations for this regional lender of conventional and non-conventional loans to ensure compliance with loan procedures, reduced lending risk and business growth.

Responsibilities:

• Originated and processed residential/ mixed use and commercial mortgage loans each month ranging from $100k to $1M, for new home purchases, renovations, construction and land acquisition.
• Led the training and supervision of experienced and junior loan officers and processors on all loan programs, processes and Company, RESPA and federal regulatory guidelines.
• Negotiated pricing, rates, and loan programs all parties involved including Sales reps, Lenders, and Borrowers.
• Directed all facets of the lending process from point of application review, risk analysis and underwriting to structuring of various loans scenarios and coordination of mortgage closings. 
• Analyzed credit worthiness based on review of income-to-debt ratio, property appraisals and title documentation to support the approval of first-time buyer, equity loans and refinancing applications. 

Global Home Loans & Finance, Melville, NY                                                                            Jan 2004 – Jan 2006

Senior Loan Processor/Account Manager

Responsibilities:

• Managed the, structuring, underwriting and processing of FHA, conventional and non-conventional loans for this retail mortgage lender specializing in responsiveness to homebuyers' needs and loan product diversity. 
• Cultivated a network of business contacts and local banks to secure leads and financing. Consistently exceeded team goals through effective selling and cross selling of financial instruments.
• Reviewed client's creditworthiness for assignment to appropriate investor loan programs.
• Provided consultative education to clients throughout the loan process, from point of application to closing.

JPMorgan Chase, Wholesale Mortgage Division, Hicksville, NY         Mar 2002 – Dec 2002 / Mar 1997 – Jun 1999

Client Representative/Loan Processor                                                                                                                        Mar 2002 – Dec 2002

Managed a monthly pipeline reaching $70 million in new loans for this globally leading financial institution with assets of $2.3 trillion and operational sites in 60+ countries (held two tenures before/after merger with JP Morgan).

Accounts Analyst / Escalation Supervisor, Card Member Services                      Mar 1997 – Jun 1999

Responsibilities:

• Provided customer service excellence across privileged product offerings within a high-volume call center.
• Assisted Chase Credit, Collections, and Service Line departments in resolving / escalating customer issues.

First Data Merchant Services, Melville, NY                                   Jan 2000 – Sep 2001

Credit Officer                                                                                                                                                                                                             

Progressed from Internet Support Specialist to Credit Officer with this global leader in information commerce specializing in the processing of billions of dollars in annual transactions for merchants and financial institutions.

Responsibilities:

• Managed the review and underwriting of low-to-moderate risk merchant applications (Internet and POS).
• Verified financial backgrounds using balance sheets, Dunn & Bradstreet’s, credit bureaus, and bank statements.
• Interfaced extensively with credit officers, merchants, and Internet Sales Support Team and alliance managers.

Education:

Masters in Business Administration: in Banking & Finance, Dowling College, Oakdale, NY   

Bachletors of Science:  Finance, Saint John’s University, Queens, NY  

Certifications:

Mortgage Bankers Assocation: Residental Underwriter Level I.

Computer Proficiencies:

Micro Soft Word, Excel, Access, PowerPoint, Out-Looks, Loan Prospector, Desktop Underwriter, Encompass,  EDGE, FHA Connection, Various Mainframe data applications.