Kyle Gadberry M.B.A.

***** *. ******** **

Queen Creek, AZ 85142

480-***-****

ad1h0x@r.postjobfree.com

Professional Summary: I have 7 years’ experience as Commercial Real Estate Loan Underwriter from 2003 - 2009 and 13 years’ experience underwriting Auto Loans from 2010 - Present including supervisory experience reviewing lower-level underwriters applications with complex decisions, exceptions and credit & debt analysis.

Pentagon Federal Credit Union: 2/22 to Present

Senior Loan Underwriter & Team Lead – Auto Finance

Analyze credit reports; determine credit worthiness, character, and capacity of borrowers to make credit decision to approve/decline auto loans.

Provide guidance to lower-level underwriters with regards to decisions, counter offers, exceptions to loan amounts, terms, and stipulations.

Use bank policy guidelines and personal judgmental analysis to make sophisticated credit decisions.

Investigate applications for possible fraud and/or typos and incomplete or missing data.

Wells Fargo Bank: 2/20 – 2/22

Senior Loan Underwriter - Auto Finance

Analyze credit reports; determine credit worthiness, character, and capacity of borrowers to make credit decision to approve/decline auto loans.

Ally Financial 4/14 – 2/20

Underwriter - Auto Finance

Analyze credit reports; determine credit worthiness, character, and capacity of borrowers to make credit decision to approve/decline auto loans.

Wells Fargo Bank: 12/11 – 4/14

Consumer Loan Underwriter 3 - Supervisor- Auto Finance

Review underwriting applications from level 1&2 underwriters for exceptions for authority limits and company policies.

Chase Bank: 2/10 – 11/11

Credit Analyst - Auto Finance

Review credit reports, underwrite and decision indirect auto loan applications.

Education

B.S. in Business Administration, University of Phoenix, August 2004

Master of Business Administration, University of Phoenix, May 2006