Chloe Smith

*** ********** ***, ***** *****, NJ *8069 856-***-**** ac8jlh@r.postjobfree.com

Summary

Banking professional with vast experience in the credit industry. Proficient at multi-tasking, working independently, achieving results in fast paced environment. Demonstrated record of strong leadership, creative thinking, problem solving and effective communication.

Education

·B.A. Psychology, University of Maryland Baltimore County, Baltimore, MD 1996-2000

·B.A. Sociology, University of Maryland Baltimore County, Baltimore, MD 1996-2000

Experience

DISCOVER FINANCIAL SERVICES, New Castle, DE February 2011-Present

ASSOCIATE UNDERWRITER (HOME EQUITY LOAN) January 2017 – Present

Underwrites home equity files. Reviews loan submissions, ensures company guidelines are met, and evaluates loans to maximize company profit and minimize company risk exposure.

Evaluate the credit worthiness of borrowers through a comprehensive analysis of the credit report.

Calculates Debt to Income and Loan to Value and Combined Loan to Value.

Verifies Employment, review financial statements, tax returns, asset statements, bank account statements.

Reviewing and analyzing credit report, title report, income documentation, loansafe, collateral, and other application factors per DHE credit requirements

Approves or recommends denial for home equity applications within lending authority limit

Analyzing various scenarios and suggesting potential alternate offers for files recommended for decline

NMLS registered

SENIOR ANALYST (CREDIT DISPUTE RESOLUTION) March 2012-January 2017

Proficient knowledge of e-OSCAR, AIS, WEBLINKS, ATLAS, FICO Debt Manager, FCRA regulations

Review and investigate credit bureau disputes from consumers sent through direct mail contact or submitted electronically

Verify ID & account information disputed by consumer by:

oReviewing original account applications, previous payment checks, and past customer contact

oViewing screen shot glances from the three credit bureaus of the consumer’s credit report

Submit findings to the consumer in accordance with CFPB standards by direct mail or electronically to the reporting agencies.

CREDIT VERIFICATION ANALYST (NEW ACCOUNTS) February 2011-March 2012

Evaluate new applications on the basis of determining account profitability and risk

Contact applicants to gather missing or more in depth information and use a combination of score guidelines and judgments to render a risk decision

Manage inbound and outbound customer calls to obtain additional relevant information while utilizing effective interviewing techniques and building customer relationships

MBNA AMERICA (BANK OF AMERICA), Newark, DE

RISK CONTROL SERVICES REPRESENTATIVE

Take incoming calls from card holders and law enforcement concerning unusual account activity and ongoing fraud cases

Verify pertinent security information from callers to ensure account safety

Resolve customer issues in an effective and timely manner

Assisted in the procedures that follow an occurrence of discovery of a Fraud Ring or possible AML

FRAUD DETECTION ANALYST

Review customer accounts; determine if present account activity is unusual from previous pattern of activity, thereby detecting the possibility of fraudulent activity

Contact cardholders to verify suspicious charges on their account

Handle the education of new employees. Introduce them to the workings of the computer system and fraud procedures

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