Keith Johnson
Warrenton
Summary
Dedicated financial specialist with a strong focus on cash flow management and credit analysis. Successfully directed operations across diverse lending portfolios, leading to improved financial accessibility and compliance adherence for small businesses.
Overview
16
16
years of professional experience
Work History
Consumer Loan Financial Specialist
Small Business Administration
08.2015 - Current
- Direct the operations of a diverse portfolio of 22 micro lenders across the nation to enhance financial accessibility.
- Analyze financial data to identify trends and inform loan decision-making processes.
- Develop strategic financial plans to support small business growth and sustainability.
- Collaborate with cross-functional teams to streamline funding application processes for clients.
- Led workshops to educate small business owners on effective financial management strategies.
- Enhanced financial decision-making by providing timely and accurate analysis of financial data to executive leadership.
- Provided guidance on compliance regulations to ensure adherence among small business clients.
- Collaborated with cross-functional teams to develop strategic plans aligned with overall company objectives.
- Performed data validation, produced financial reporting and managed projects and related tasks to reduce costs and increase revenue.
Mortgage Loan Counselor
Neighborhood Assistance Corporation of America (NACA)
02.2010 - 10.2015
- Organized and delivered bi-weekly Home buyer workshops aimed at guiding home buyers through the purchasing process.
- Guided clients through mortgage application processes, ensuring compliance with regulations and policies.
- Analyzed client financial situations to recommend appropriate loan products and services.
- Developed personalized loan strategies that align with clients' financial goals and needs.
- Educated clients on financial literacy topics, enhancing their understanding of credit management and homeownership.
- Document files with written narratives and identify action items for the Member to complete after each counseling session.
- Review payment history, income, liabilities, assets, and other criteria to determine eligibility for the program, readiness for home ownership and mortgage payment affordability.
- Develop a realistic monthly budget and address budget issues. This includes calculating a monthly cash flow surplus to establish a Member’s long term affordable mortgage payment.
Education
Associate of Science - Gender Studies
Northern Virginia Community College
Annandale, VASkills
- Cash flow management
- Credit analysis
- Portfolio management
- Debt management
- Teamwork and collaboration
- Customer service
- Problem-solving
- Attention to detail
- Excellent communication
- Interpersonal communication
- Time management abilities
- Financial evaluation
Timeline
Consumer Loan Financial Specialist
Small Business Administration
08.2015 - Current
Mortgage Loan Counselor
Neighborhood Assistance Corporation of America (NACA)
02.2010 - 10.2015
Associate of Science - Gender Studies
Northern Virginia Community College