LINDA BROOKS

Kansas City, MO *****

ad1usk@r.postjobfree.com / 816-***-****

SUMMARY

Motivated credit professional offering a Masters in Business Administration and Management and great time management skills. Adds value to any organization in need of great collaboration, interpersonal and multitasking abilities. Meets tight deadlines. Works well independently, coming from working a remote position for 9 years. SKILLS

Income Evaluation

Credit File Updating

Customer Relations

Terms Definition

Attention to Detail

Loan Processing Coordination

Credit History Review

Application Review

Loan Feasibility Assessment

Creditworthiness Determination

Loan File Maintenance

Active Listening and Learning

Customer Service

Decision-Making

Staff Management

Data Entry

Application Coordination

Fraud Detection and Prevention

Client Interview

Collections Management

Performance Assessment and Improvement

Collections Proficiency

Process Improvement

Basic Mathematics

10-Key Data Entry

Microsoft Office

Debt and Credit Management

EXPERIENCE

Indirect Auto Loan Underwriter / U.S. Bank - Kansas City, MO 09/2014 - 11/2023 Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment. Approved or denied loan applications and explained reasoning behind decisions. Reviewed credit histories from applicants and determined feasibility of granting requested loans. Verified client financial information to determine creditworthiness and loan eligibility. Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility. Issued conditional approvals when necessary based on additional documentation requirements being met by applicants.

Monitored changes in customer information such as job status or address updates during the underwriting process.

Assessed risk factors associated with each loan application based on established guidelines. Evaluated borrower's credit reports from major bureaus including Equifax, Experian, TransUnion. Verified employment history, bank statements, tax documents and other financial records for completeness and accuracy.

Indirect Auto Loan Underwriter / Wells Fargo Dealer Services - Overland Park, KS 03/2012 - 06/2014 LB

Reviewed loan applications to ensure accuracy and compliance with company standards, policies and procedures. Verified employment history, bank statements, tax documents and other financial records for completeness and accuracy.

Evaluated borrower's credit reports from major bureaus including Equifax, Experian, TransUnion. Assessed risk factors associated with each loan application based on established guidelines. Recommended appropriate solutions when discrepancies occurred between documents submitted by applicants and those found in the credit report.

Issued conditional approvals when necessary based on additional documentation requirements being met by applicants.

Verified client financial information to determine creditworthiness and loan eligibility. Approved or denied loan applications and explained reasoning behind decisions. Credit Analyst / Ferrellgas - Kansas City, MO 04/2010 - 03/2012 Assessed loan requests for accuracy, completeness and conformance with established lending guidelines. Determined appropriate loan terms based on borrower's creditworthiness. Identified areas where additional information was needed to complete a thorough analysis. Prepared basic and preliminary credit analyses to determine creditworthiness and compliance. Collections Supervisor / Wells Fargo Dealer Services - Kansas City, MO 02/2001 - 01/2010 Produced monthly reports detailing progress against established goals for collections activity. Directed collection staff to ensure timely and efficient contact with customers regarding past due accounts. Monitored daily work flow of the collection staff, providing feedback and coaching as needed. Conducted regular meetings with the collection team to discuss goals, objectives, and performance metrics. Ensured compliance with all applicable laws, regulations, policies and procedures related to collections activities. Provided guidance and direction to employees on proper collection techniques that adhered to company policy. Coordinated the transfer of bad debt portfolios between internal departments in accordance with legal requirements.

EDUCATION AND TRAINING

MBA: Business Administration And Management 12/2015 Keller Graduate School of Management - Kansas City, MO Bachelor of Science: Organizational Management And Leadership 10/2004 Friends University - Wichita, KS

REFERENCES

References available upon request.