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Banking, Human Resources

Parrish, Florida, 34219, United States
October 21, 2016

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Eunice Poindexter

**** ***** ******* *. *******, FL 34219



A management professional with over 10 years of banking experience which includes underwriting, lending and credit. Responsible individual with a track record of being trusted with confidential information, maintaining high work standards and the ability to work alone or as a team player. Individual with strong customer-oriented approach and the demonstrated ability to communicate effectively with diverse constituencies and who can handle multiple tasks, produce quality work and consistently meet deadlines.

ADVANTAGE CREDIT, Parrish, FL 03/2016 to 8/2016

Customer Service Representative

Processes credit supplement requests from the MCL inbox in both working and pending status. Accepts calls and emails from clients and assists clients with credit reports and technical support. Initiates calls/faxes to borrowers, creditors and vendors. Works supplement requests by taking appropriate action to verify and update tradeline’s which may include phoning or faxing creditor/vendor or conducting conference calls. Corresponds both verbally and via email with clients, borrowers and creditors. Performs continuous follow-up to complete items in the inbox & in the working and pending status. Remain up to date on industry changes, compliance and regulations as well as company policy. Work from home position.

USAA, Tampa, FL 2014 to 2015

Mortgage Processor

Primary point of contact after loan has been submitted by loan officer. Responsible for providing quality loan processing while delivering an exceptional member service experience. Works with underwriting and various other cross-functional teams to ensure the successful and timely approval and closing of mortgage loans to meet members needs. Performs all processing, decision and pre-closing tasks required to assemble a loan from point of application to submission. Processes VA loans, resolves issues and identifies appropriate issues for escalation. Respond to member and third party inquiries to keep appropriate parties informed of loan status and meets service level objectives in the areas of member satisfaction, speed and efficiency of file delivery to completing mortgage applications. Initiate follow-up phone calls to applicants and third parties to obtain necessary loan documentation, title and/or collateral information. Ensures all required documentation is in compliance with state and federal regulations. Contact credit bureaus, analyze financial and credit data to determine acceptability of the loan risk in support of bank, investor & regulatory policies. Coordinates closings with members and title companies.

U. S. Bank, Cincinnati, OH 2012 to 2014

Mortgage Lending Underwriter I

Underwriting of alternative real estate mortgage applications, including assessment of applicant information, income, collateral and title work in compliance with U.S. Bank credit policies. Provides quality loans for the company by underwriting and evaluating residential mortgage applications originated by U.S. Bank branch offices. Evaluates the credit and property documentation on loan files so that appropriate decisions are made as to the acceptability of the investment risk. Maintains a daily workload as needed to ensure prompt turnaround time as dictated by senior management. Approves, declines, or suspends any single-family residential mortgage loan submission. Evaluates the risk of residential mortgage loans on a timely basis based on sound underwriting decisions. Measures all mortgage loan submissions for underwriting decisions based on company quality control plans and investor/regulatory compliance.

U. S. BANK, Cincinnati, OH 2011 to 2012

Consumer Lending Underwriter

Evaluate & underwrite consumer auto loan applications following industry and business unit standards. Performs duties using automated scoring systems or traditional underwriting. Gathers, analyzes and interprets all types of credit information for existing and prospective retail banking customers in order to maximize credit, and minimize risk and potential loss. Develops and maintains a loan and lease portfolio consistent with the Bank’s guidelines for credit quality and pricing. Approves and/or denies loans within certain limits and makes credit structure and loan pricing decisions.

U.S. BANK, Cincinnati, OH 2006 to 2011

CRA Mortgage Loan Officer

Complete loan applications for clients. Review complete financials from clients to calculate income, determine affordability and credit worthiness. Complete thorough credit analysis of clients profile prior to submitting loan application. Review credit reports and address any credit issues or obstacles regarding mortgage loan approval. Complete pre-processing/underwriting of loans prior to shipping to processing center. Work with a majority of clients who may have credit challenges and need help with down payment assistance. Locate down payment assistance programs within and outside of U.S. Bank to assist the clients in obtaining a mortgage loan. Partner with four branches in creating sales opportunities and loan applications. Consistently prospect for new clients and business for the bank. Work with local agencies to obtain down payment assistance for qualifying clients. Assist in developing new procedures for Home Buyer Education Seminars and conducting First Time Home Buyer Education seminars within the community. Present loan products at seminars and at other organizations. Create, update and maintain client files for processing and underwriting and meet all compliance standards. Provide excellent customer service and follow-up management.


Housing Counselor

Review clients household budget, credit report and housing goals in a counseling setting. Assess clients’ capacity/status regarding budgeting skills, credit management and problem-solving skills. Assist clients in developing a plan to address homeownership barriers and pursuit of housing, financial and related goals. Assist clients with loan application and loan approval process. Assist in the development of curriculum for educational workshops. Teach Home Buyer classes and provide instruction for homeownership related workshops offered thru the HOC. Work cooperatively with HOC partners including Consumer Credit Counseling, City Wide Development, City of Dayton, Miami Valley Fair Housing and others. Develop and maintain effective working relationships with referral sources, housing organizations, community agencies and other related contacts on behalf of the HOC and their clients. Conduct appropriate follow-up with clients and referral sources. Maintain appropriate client activity documentation. Develop opportunities for marketing HOC services with neighborhoods, housing organizations, government, employers, social service agencies and other local entities. Provide excellent client service.

SIBCY CLINE REALTORS, Centerville, OH 2003 to 2005

Real Estate Agent

Work with buyers to determine the home, area and price range that will fit their needs. Provide property listings and show them homes that meet their requirements. Work with sellers to provide a current market analysis of their home to establish an equitable sales price for their home in order to list their property. Use appropriate marketing tools to provide a marketing plan to generate a sales appeal that will attract buyers and other real estate agents in order to quickly sell their home. Conduct open houses for my listings as well as other agent’s listings as needed. Negotiate buyers and sellers contracts as applicable.

FIFTH THIRD BANK, Dayton, OH 2002 TO 2003

Trust Associate/Investment Advisor Sales Support Specialist

Process transactions and produce client reports for retirement plans. Plan various meetings and events, both internal and external. Coordinate with marketing department on campaigns. Develop, implement and track sales contests. Interact with other departments to coordinate a smooth workflow and meet consistent deadlines. Develop and maintain databases for sales pipelines and Investment Advisors clients. Provide Investment Advisors with inside sales support and participate in face-to-face contact.


Wright State University, Fairborn, OH

Bachelor of Science in Business Administration-major in Financial Services

Sinclair Community College

Associate of Science in Business Administration

Certificate in Human Resource Management


Real Estate Classes: Principles & Practices, Law, Abstracting, Appraisal & Finance

Proficient in Microsoft Outlook, Internet, Word, Excel and Power Point

Typing 65 wpm, Data Entry

Licensed Life and Health Insurance Agent(Ohio)

Licensed Real Estate Agent-Florida &Ohio

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