CARL L. HILL

***** ********* **. ***. #*** ~ Houston, TX 77085

832-***-**** Mobile • acoyn1@r.postjobfree.com

CAREER SUMMARY

Experienced, trustworthy Credit/Insurance/Mortgage/Finance professional with proven skills in reconcilement,

problem resolution, customer service, and project management. Known for ability to communicate effectively with

all levels within an organization. Additional skills in underwriting, credit analysis, budgeting and forecasting,

appraisal reviews and financial/loan counseling. Proficient in Real Estate loan processing, vendor resolutions,

collateral lien perfection and property management. An action oriented, team player willing to coach and share

information, with attention to detail, accuracy, and quick response time.

EXPERIENCE

AmeriCredit

Credit Analyst 1 08/2014 Present

Analyze credit data to determine the degree of risk involved in extending credit. Make

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decisions to approve or deny the extension of credit within set credit authority established by

senior management and state/federal laws.

• Develop sufficient dealer relationships that ensure volume objectives and credit quality.

• Capture automotive finance contracts that meet GM Financial profitability criteria for

pricing and performance.

• Ensure compliance with applicable policies and procedures.

• Ensure branch office cooperation with other departments, to maximize efficiency within

the company.

• Ensure all queues are worked to acceptable service levels.

• Conduct joint dealer calls with Dealer Relationship Manager (DRM) on an as needed

basis.

• Perform outbound telemarketing calls to the dealer customer.

• Establish and track monthly goals for assigned dealers.

• Ensure proper documentation is received on all deals.

JP Morgan Chase

Sr. Mortgage Underwriter/Analyst 10/2011 – 12/31/2013

• Provided initial credit approval or denial of applications based on thorough knowledge of credit policy and

financial analysis with analysis of Capacity, Capital, Character, Collateral and Condition.

• Developed client relationships using strong client servicing skills. Processed applications regarding regulatory

and compliance rating, mitigating any processing issues to management. Counter –offer to a different product

and/or program when appropriate. Remain knowledgeable of all Chase credit policies and underwriting

procedures.

Exceeded production parameters 100% and maintained high compliance rating. Stellar customer service ratings

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of 97% or higher.

Over year to date ranking 418 out of 1249 Underwriters nationwide.

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Carlton Staffing Agency, Houston, Texas

Sutherland Global Services

Underwriter/Analyst /Contract Specialist 8/2010 11/2011

• Provided initial credit approval or denial of applications based on knowledge of credit policy and financial

analysis.

• Reviewed desk appraisals for adherence to guidelines for approval and compliance inspection reports on newly

construction properties.

• Performed field reviews of residential property for the purpose of loan origination, liquidation and partial

release of security.

• Performed appraisal post audits and field reviews on a monthly basis.

• Performed quality review within the MERS website.

• Reviewed Loan Modification Information.

• Administered on the job training to in house transferred associates and new employees.

• Prepared verification and data entry of all existing and legacy contract files and associated paperwork.

• Requested, maintained and retrieved contract documents as needed for further processing and validation.

• Maintained and updated entity data in all company's Contract Management systems.

• Aided in preparation/issuance of Closing Protection Letters as requested.

• Reviewed and validated incoming amendments and other contract changes to ensure compliance and system

accuracy.

• Verified and maintained Agency contract requests.

• Knowledgeable of regulatory changes and their impact resulting in such changes in law.

Self employed 2008 2010

Wachovia Bank (formerly World Savings), Houston, Texas

Underwriter/Analyst 2003 2008

• Reviewed credit bureau information and made credit decisions, saving money.

• Maintained accuracy and consistency in a time sensitive manner regarding loan decisions, Top producer for

2006.

• Rendered credit decisions on residential conventional loans based on loan transaction and guidelines.

• Developed and maintained relationship with brokers and title companies, expediting loans and increasing

business.

• Provided On The Job training and coaching to new hires, increasing consistency and maximizing productivity.

• Consistently met and exceeded production goals daily, enabling more loans to be made.

• Upheld compliance of federal, state, and banking regulations, avoiding fines.

Greens point Mortgage, Houston, Texas

Junior Underwriter/Analyst 2002 2003

• Consistently met and exceeded production goals of 75 booked loans, 54% booked units, and averaged 3 or

higher out of 5 on monthly audits/score cards, maximizing loans being made.

• Reviewed credit reports, income statements, leasing agreements and purchasing agreements, enabling sound

loan decisions to be made.

• Developed and maintained relationships with new and existing clients, leading to repeat and referral business.

• Determined degree of risk and decision loans based on company and investor criteria, making solid loan

decisions.

• Earned Certificate of Achievement for Basic Sales 2003.

Texas Specialty Homes, Houston, Texas

Property Manager 1998 2002

• Participated in the direct sales of over 700 properties listed on the market, increasing revenue.

• Analyzed and reviewed sales statistics to improve and promote new and creative sales tactics.

• Coordinated and facilitated projects with various contractors, including renovations, remodeling and

installations, increasing customer satisfaction while controlling costs.

• Closed loans by preparing closing documents and sales contracts.

Bank One, Houston Texas

Underwriter/Analyst 1995 1998

• Provided initial credit approval or denial of applications based on thorough knowledge of credit policy and

financial analysis. Underwriting of auto, boat and unsecured loans.

• Reviewed of Credit and Income per guidelines of the company.

• Developed client relationship using strong client servicing skills. Processed applications regarding regulatory

and compliance rating, mitigating any processing issues to management.

• Exceeded production parameters 100% and maintained high compliance rating of 97% or higher.

• Lending authority of $75k

EDUCATION

Business and Marketing, University of Louisiana at Monroe, Monroe, Louisiana

Real Estate Principles and Practices Certificate, Stewart Real Estate School, Houston Texas

COMPUTER SKILLS

Microsoft Word 8.0; Microsoft Excel; CPI 30

Salesforce; Zippy; Closer

LPN; CITRIX

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