Gilbert Attaguile

UNDERWRITER/ANALYST

Melvindale, MI 48122

ad31ri@r.postjobfree.com

+1-313-***-****

Credit Analyst with over 10 years of experience in financial analysis for various banks and credit unions in both a commercial and consumer capacity. Skilled in assessing applications, and making credit decisions.

Core competencies include spreadsheet production, underwriting, customer service, audit, credit file maintenance, marketing, training, supervising, and project management. Authorized to work in the US for any employer

Work Experience

Indirect Loan Officer

Genisys Credit Union - Auburn Hills, MI

August 2021 to October 2023

• Review and decision loan applications submitted by automobile dealerships on behalf of individuals seeking automobile financing.

• Work closely with dealership representatives to answer questions, solve problems and promote a good working relationship between dealers and the credit union.

• Using past experience, analyze and suggest updates and ideas to promote a more efficient Indirect Lending Program.

Underwriter II

United Shore - Pontiac, MI

August 2019 to August 2021

Reviewed mortgage applications. Ensured stipulations and packages complied with established underwriting standards.

Custodian/Customer Service

SBM - Brownstown, MI

September 2017 to August 2019

• Recognized for outstanding customer service and positive attitude.

• Proposed implementation of paper cup sleeves attached to water coolers to avoid waste.

• Perform duties associated with the maintenance of a 250,000 sq. ft. warehouse such as sweeping, mopping, dusting, and other duties as assigned

Indirect Lending Manager

Monroe County Community Credit Union - Monroe, MI

February 2016 to January 2017

• Rewrote indirect lending policy to reflect current market conditions resulting an a more efficient process and reduction of risk.

• Proposed and performed due diligence for implementation of a new indirect lending software which combined the 2 most popular lending platforms into one system, resulting in potential increases in turnaround time and efficiency as well as generating more helpful and detailed reports.

• Proposed strategies to increase loan volume.

• Assessed dealership automobile applications submitted on behalf of consumers seeking automobile loans.

LOAN OFFICER & INDIRECT LENDING COODINATOR

Motor City Co-Op Credit Union - Clinton Township, MI March 2014 to January 2016

• Recognized by CEO for work completed on updating indirect lending policy and procedure, effectively reducing turnaround time leading to a 20% increase in loan volume.

• Trained new loan officers on indirect lending procedures, software, and reports.

• Wrote a comprehensive procedures manual for indirect lending personnel.

• Called on prospective dealers to solicit new business while maintaining existing relationships with outstanding customer service.

Indirect Lending Representative

Cornerstone Credit Union - Freeport, IL

August 2009 to October 2013

• Assisted the department manager in formulating policies and procedures with regard to lending criteria, establishing risk based tiers, and implementing competitive interest rates.

• Assessed applications and made credit decisions. Solicited new business while maintaining current relationships.

Loan Officer

Illinois Credit Union League - Naperville, IL

August 2001 to March 2009

• Assessed applications and made credit decisions, solicited new business while maintaining current relationships.

• Prepared and reviewed monthly reports, discussed trends and made recommendations as appropriate. Credit Analyst

NBD/First Chicago - American National Bank/Bank one - Chicago, IL June 1993 to July 2001

• In charge of audit function during an account acquisition totaling $230 million in loans outstanding.

• Created excel spreadsheet programs which linked information and streamlined the reporting process, eliminating redundant information saving both time and resources by over 10%.

• Gathered relevant financial information, performed due diligence and prepared loan packages for automobile dealerships seeking financing or renewal of existing credit facilities.

• Presented finished loan packages before credit committee on a timely basis with accuracy and attention to detail.

• In charge of floor plan audit function for all accounts in Illinois and Wisconsin. Coordinated with 5 other auditors to ensure an accurate and reliable audit.

• Acted as back up supervisor during the absence of the operations manager, ensuring a smooth process throughout the day. Addressed and solved any problems and took action to solve potential disruptions in work flow.

• Trained incoming analysts on all aspects of underwriting and department procedures. Education

BS in Finance

Roosevelt University - Chicago, IL

Skills

• Data Entry

• Excel

• Management

• Underwriting

• Custodial Experience

• Financial Analysis

• Loan Officer Experience

• Loan Origination

• Banking

• Fair Housing Regulations

• Credit Analysis

• Risk Management

• Customer service

Military Service

Branch: Air Force

Service Country: United States

Rank: Sergeant

June 1985 to March 1989

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