Destiny McGarity
Coppell,TX
Summary
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
9
9
years of professional experience
Work History
Logistics Specialist
Logikor
03.2023 - Current
- Set up, rate, dispatch, and monitor all shipments
- Send standardized reports to customers or management, meeting daily requirements
- Maintain customer and vendor database in TMS
- Investigate, plan, and implement new strategies or methods, that will help to increase positive interactions with customers and vendors
- Coordinate with freight forwarder to provide vendor shipping details and obtain shipping updates.
- Direct inter-modal domestic and overseas import and export operations to meet aggressive deadlines.
- Track, process, follow up, and file Driver/Owner Operator paperwork, PARS, PAPS, Customs Cargo Control Documents, trip reports, and logbooks.
- Coordinate incoming and outgoing shipments to maintain schedules.
- Track supply, equipment and product inventory quantities to maintain necessary levels.
- Issue timely and accurate responses to both internal and external inquiries.
- Verify transactions, product orders and shipping dates and entered information into databases and reports.
Funder
Mercedes-Benz Group
09.2022 - 03.2023
- Handled Incoming and outgoing mail
- Accepts incoming mail, sorting and delivering to the proper recipients; prepare outgoing mail and packages for shipment; operate mailroom equipment including postage meters, letter openers, and fold and insert machines
- Prepared documents for scanning, operate document imaging equipment to scan documents and create electronic files, verify quality of digital images, index and store images according to organizational requirements
- Prepare/assist sales team with files including tasks of: obtaining titling and tax information as well as ensuring proper signatures on all documentation, calculate debt to income and determine loan to value as needed, collect lender stipulations including but not limited to: proof of income, proof of residence, proof previous loan paid off, copy of divorce decree, proof of paid judgment & printing all documents
- Maintained contact with customer for missing docs & updates through entire funding process.
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Credit Analyst
PennyMac Loan Services, LLC
03.2021 - 05.2022
- Work with clients to prepare mortgage applications and related documentation as needed, help resolve any outstanding issues
- Work with compliance officers to ensure Federal, State, and local compliance of all mortgage and loan materials
- Approve or deny mortgages on a timely basis
- Ensure the quality and accuracy of each loan
- Demonstrate behaviors which are aligned with the organization's desired culture and values
- Proficient in Google suite and all Microsoft tools.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Conditional Underwriter
Caliber Home Loans
01.2021 - 03.2021
- Review/analyzed loan files submitted for borrowers to ensure file meets loan program requirements
- Includes individual analysis of: Loan application, Credit profile/report(s), Debt and assets, Income/financial statements, Loan values/loan-to-value ratios, Appraisal reports, Collateral and supporting documentation
- Identifies/calculates loan risk of loss
- Conditions files for missing/supporting documentation
- Revisits loans to review and clear conditions
- Approves, counters or denies loan file
- Escalated fraud files to Credit Manager/Risk Management team
- Respond within SLA to all loan specific audits/findings.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
Shipment Management Coordinator
Ryder Logistics
08.2016 - 12.2020
- Ran daily reports
- Assist customer with scheduling deliveries
- Reacted to inventory and appointment requests
- Assisted customers with small shipments of steel parts
- Provided support to peers and subordinates with key operational decisions
- Answered emails, phone calls, and/or fax from customers within a timely manner
- Resolved issues through active listening and open-ended questioning, escalating major problems to manager.
- Provided backup to lead to step in to assist with various tasks whenever employee was absent or at lunch.
Warehouse Worker
TARGET DISTRIBUTING Center
01.2015 - 08.2016
- Operated standup forklift
- Cross trained in multiple departments
- Carried merchandise up to 60 lbs
- Read labels, tickets, and other docs
- Operated scan gun and other handheld devices
- Pack, load, and ship items to customer/stores
- Loaded, unloaded, and moved material to and from storage and production areas.
- Checked packages and merchandise for damage and notified vendors.
- Used hand-held devices and computers to record and monitor inventory levels and completed audits to uncover and address inaccuracies.
Education
High school diploma -
Mansfield High School
06.2012
Skills
- Risk Management
- Fair Housing Regulations
- Oral and Written Communications
- Credit Reporting
- Proficient in Microsoft Office
- Data Analysis
Languages
English
Native or Bilingual
Timeline
Logistics Specialist
Logikor
03.2023 - Current
Funder
Mercedes-Benz Group
09.2022 - 03.2023
Credit Analyst
PennyMac Loan Services, LLC
03.2021 - 05.2022
Conditional Underwriter
Caliber Home Loans
01.2021 - 03.2021
Shipment Management Coordinator
Ryder Logistics
08.2016 - 12.2020
Warehouse Worker
TARGET DISTRIBUTING Center
01.2015 - 08.2016
High school diploma -
Mansfield High School
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