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Skills

  • Process improvement
  • MS Excel expert
  • Communications
  • Team Leadership
  • Report writing abilities
  • Business operations
  • Multi-Task Management
  • MS Office
  • Cash Flow analysis
  • Workday spreadsheets

Work Experiences

  • Approved and processed an average of 6 consumer loans per month.
  • COPY improved operational efficiencies and traceability by establishing organizational filing systems for loan data, records, and other paperwork.
  • Increased operational efficiencies and traceability by creating organizational filing systems for loan data, records, and other documentation.
  • Analyzed loan applications to ensure compliance with Ironclad Systems risk assessment models, leading to a 28% reduction in loan defaults over one year.
  • Accomplished this in 2015.
  • Identified and resolved complex customer and loan issues that had an impact on operations management and business directions in a proactive manner.
  • Aligned consumer credit risk profiles with appropriate loan products.
  • Double-checked property titles, insurance coverage, and appraisals.
  • Approved and processed an average of 18 consumer loans per month, ensuring adherence to Atlanta regulatory guidelines and internal credit policies.
  • Assessed high-net-worth applicants efficiently.

Summaries

  • Ready to contribute 13 years of industry experience and take on a new challenge at Summit Group.
  • Consumer Loan Underwriter is a multi-talented Consumer Loan Underwriter who is consistently rewarded for planning and operational improvements.
  • Maintain a high level of integrity and accuracy while providing professional and courteous customer service.
  • Dynamic banker with a track record of managing complex projects and leading high-performing teams to achieve key financial goals.
  • Excellent communication and analytical skills.
  • Consumer Loan Underwriter is a deadline-driven Consumer Loan Underwriter who excels in fast-paced environments.
  • Excellent ability to communicate, make decisions, and plan.
  • With 15 years of experience in system operations, I am an accomplished management professional.
  • Banking professional with 7 years of experience providing sophisticated money managers with value-added risk management solutions.
  • Within Banking and Financial Services, senior Consumer Loan Underwriter and outstanding performer in risk assessment and process improvement.

Accomplishments

  • Partnered with compliance teams to ensure adherence to Chicago regulatory requirements, resulting in zero compliance infractions during audits.
  • Formally honored by the Investment Banking Institute for professional acumen.
  • Earned recognition for exceeding quarterly loan targets by 60% consecutively for 18 quarters.
  • Collaborated with team of 12 in the development of system.
  • Deployed an automated credit scoring system ensuring more accurate risk analysis, reducing manual errors by 44%.
  • Customized financial risk models to handle an increasing volume of non-traditional borrowers, increasing portfolio profitability by 57%.
  • Implemented a comprehensive risk assessment process, reducing the department's portfolio default rate by 45%.
  • Reduced delinquency rates on high-risk loans by 62% after implementing improved creditworthiness assessment training for the underwriting team.
  • Monitored and mitigated regulatory risks related to the underwriting process, reducing exposure to fines by ensuring a 25% adherence to state legislative changes.
  • Performed detailed manual reviews on outlier cases, averting potentially high-risk loans and saving the company over $11 in bad debt allocation.

Affiliations

  • Local Chamber of Commerce—Financial Services Council
  • Lions Club
  • Rotary International
  • Active Member of Consumer Bankers Association (CBA)
  • American Financial Services Association (AFSA)
  • Freemason
  • Affiliate of the National Associate of Subprime Lending Supervisors
  • Society of Human Resource Management
  • Society of Women Engineers
  • Certified Professional in Underwriting Software ServiceNow

Certifications

  • Mortgage Risk & Fraud Certification - 2016, Summit Group
  • Certified Soft Skills Trainer on Credit Evaluation (Offered by metric)
  • ServSafe
  • Credit Risk Certification (CRC) 2023 (Offered by RMA)
  • CompTIA Security+
  • Six Sigma Green Belt Certification - Harbor & Co. - 2020
  • CompTIA Network+
  • ACAMS Certified Anti-Money Laundering Specialist (CAMS) - 2016
  • Google Certified Professional Cloud Architect
  • Real Estate Finance Certification (REFC) by standard 2024

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