1. Afrique Hawkins
Professional Skills
 Lending& UnderwritingGuidelines
 Credit& Income Analysis
 Cash-FlowAnalysis
 RiskAssessment
 Conforming&NonconformingLoans
 ARMs Process/ProblemSolutionLoan-to-Value Ratios
 Debt-to-IncomeRatios
 Conventional&GovernmentMortgages
 Reports& DocumentationLoanClosing,Funding&Documentation
 Collateral/Appraisal Review
PROFESSIONAL EXPERIENCE
2012-Present
VariousMortgage/Bankinginboundcall centercontractassignments
Avail Search Group-Irving,TX 2/2011-12/2011
CreditRiskAnalyst
 Conduct credit analyses using standard and more advanced methods and tools of aggregated
data provided by lenders, clients of the organization, or other sources of data
 Examine risk elements of proposed deal, purchase, or existing relationship with a client and
make recommendations to management regarding continuing to closure, or additional credit
enhancements needed to make deal more acceptable
 Create or assign credit scores to aggregated data from multiple loans based on the company's
proprietary underwriting or loan origination software
 May take lead in maintaining data integrity of proprietary credit rating or underwriting
applications and assist as a business-end user in their systems enhancements
 Research values and fraud patterns to initiate and contribute new tools for detecting value
related fraud
 Make recommendations for new policies to minimize fraud and control other risks more
effectively
 May make recommendationsonpricingof productsorassigningof risk levels based on analysis
of credit risk of loans, transactions, or proposed contract
CITI FINANCIALMORTGAGE-IRVING,TX 1999-2007
Mortgage Underwriter
 Perform credit and property analysis on conventional loan files
 Adequatelyandeffectivelyexplaininwrittenandverbal form the decision reached in a manner
that will maintain a positive relationship with all customers.

2.  Analyze challenging loan packages to render sound credit solutions
 Reviewpost-close filesforcreditquality,dataintegrity, and adherence to CMI credit policy and
investor/insurer guidelines
 Identify and document policy/process variations and work with QA management to provide
internal partners with the appropriate feedback, as needed
 Interface with Risk Management, Originations and/or Credit Policy staff, when applicable, or
directed to resolve issues
 Assess the level of risk associated with a loan on a transaction basis, making referrals, as
necessary, to the Fraud Prevention and Investigation Unit, Vendor management, and the
Repurchase unit
Professional Skills
Word, Excel,PowerPoint,Access,Outlook,SQL,DesktopUnderwriter,LoanProspector,AS400,Internet,
CustomerService
Education
Court ReportingInstituteof Dallas — 2009-2011
Dallas, TX
Tomball College - 2000-2001
Dallas,TX