Carolyn Bauer

***** **** *** **, *********, Oh **685 330-***-**** acenai@r.postjobfree.com

Diversified consumer credit analyst with over 10 years of experience in the banking industry. Excellent

interpersonal skills in communication and customer service. A self- motivated individual who has an

excellent sense of teamwork to get results by instilling commitment, trust, fairness, and loyalty.

SUMMARY OF QUALIFICATIONS

Ability to communicate effectively Strong problem solving

Capacity to perform under pressure Analyze financial statements

MS Word, MS Excel, Office 2013 Analyze credit reports

Detail oriented Sub-prime lending experience

Collection re-write experience Conventional mortgage loans

Consumer loan experience High cost lending experience

Increasing responsibility Quick Books Pro 2012

PROFESSIONAL PROFILE

Bookkeeping Canton, Ohio 2012-current

On contract. Data entry for small business using Quick Books Pro 2012.

Wells Fargo Home Mortgage- Credit Analyst II Independence, Ohio 2012-2013

DU Mortgage underwriter for conventional conforming loans. Responsible for reviewing, analyzing,

approving and underwriting large, unusual or complex individual consumer requests and products

within company and industry guidelines. Dependent on division and complexity of underwriting,

functions include reviewing financial statements, credit reports, and applicable ratios. Examining

transaction to ensure accuracy and completeness. Ensuring that documents are consistent and uphold

to company and industry guidelines. Implementing fraud detection techniques, performing compliance

reviews. Assisting with re-negotiations of loans based on lending guidelines. Contacting customers and

partners to gather information to make appropriate decisions, explain rationale behind credit decision.

Key Bank – Credit Analyst II Canton, Ohio 1997-2012

Underwriter for High Cost (Reg Z) home equity consumer loans, subprime lending, home equity lines of

credit, purchases money second mortgages, private- banking and specialty programs. Responsible for

second reviewing all HMDA reportable applications. Thorough understanding of all loan products and

bank lending criteria, as well as strong knowledge of consumer banking regulations. Assist with monthly

reports and compliance testing. Strong knowledge of personal financial statements. Strong

interpersonal skills to effectively develop a strong working relationship with branch personnel and upper

management.

Education / Training

Springfield High School graduate of 1980- Akron, Ohio

American Institute of Banking: various banking courses including Consumer Lending

Principles of Banking, Professionalism on the Job, Team Building.

Certificates

Accounting Systems and Closing Activities/ June 2014

Accrual Accounting Procedures/ May 2014

Accounting Fundamentals/ May 2014

Whole Numbers, Fractions and Equations/ May 2014

Decimals and Percent/ May 2014

Ratios and Averages/ May 2014

Contact this candidate