Education

Bachelor of Science in Business Administration, Finance - UNLV Graduated May 2017

Work Experience

Wells Fargo Personal Lending Senior Loan Underwriter 3 May 18, 2020 - Present

·Reviewing, analyzing, and underwriting large unusual or complex individual and joint consumer credit applications within the company and industry guidelines.

·Evaluating and ensuring overall loan transaction and document accuracy and making effective judgmental loan decisions based on overall credit, assets, and relationship.

·Reviewing credit reports and interpreting the data, calculating of applicable ratios to determine affordability, credit utilization, and asset coverage.

·Possess strong analytical skills with attention to accuracy and details, ranked among top team members in quality and performance. Subject matter expert (SME) in department policies and procedures.

·Executing fraud detection and prevention techniques to mitigate credit risk for the business and to stay in compliance with government regulations and bank policies. “Ask me first expert” in assisting and maintaining client relationships.

·Assisting lower-level team members with re-negotiations of loans based on lending guidelines and lending limits. Communicate directly with merchants and partners providing decisions on loans.

·Provide work direction, coaching and training to lower-level team members and provide performance and quality feedback to managers.

·Support and assist managers and partners with improving current standard operating procedures in order to improve the overall workflow of the process.

Possess strong leadership to manage in a highly dynamic operations environment with the ability to support many high priority efforts simultaneously.

Experience assessing multiple reports, key metrics and ability to utilize data toward continuous improvement

Wells Fargo Credit Line Management Loan Underwriter 2 May 1, 2019 – May 17, 2020

·Reviewing and making accurate judgmental decisions on credit limit increase requests following Company Guidelines within the General Purpose Credit card department.

·Superior communication skills with the ability to communicate effectively across diverse groups

·Analyzing credit information, applicable ratios, assets, and relationships to make accurate decisions within authority level

·Receive upwards of 30+ calls per day, as well as facilitate outbound calls to customers and partners where guidelines and decisions are communicated.

·Multitask between completing loans and facilitating partners calls providing outstanding customer service.

·Supporting managers and partners with projects, procedural updates, and training.

Wells Fargo Retail Credit/ Co Brand Loan Underwriter 1 August 1, 2018 - May 1, 2019

·Reviewing credit applications, credit bureau information and other supporting documentation in order to make accurate judgmental decision within authority level for new loan applications and credit line increase requests.

·Analyzing borrower income, assets, and liabilities (credit report) to determine the borrower’s ability to repay.

·Partner well with peers providing applicable guidance to support the business.

·Responding to customer inquiries and credit decisions.

Wells Fargo Corresponding Lending/Mortgage Loan Processor 4/Underwriter 1 June 22, 2015 to August 1, 2018

·Top 3 producer with near perfect accuracy when compared to team members within all 4 locations within the United States.

·Perform Cash Flow for W-2 wage earners, self-employment, corporate, and partnership tax returns.

·Calculated borrowers DTI, PTI, PITI, and LTV to assist in verifying qualification.

·Possess the ability to apply agency guidelines for Government, Conventional, and VA loans.

Skills

·Proficient in CUSP, ACAPS,CSS, FDR, SVP, Hogan, Lexis Nexis, Innovis, Nexidia, RMS Microsoft Office

·Experience with OFAC, Patiot Act,

·Proficient in the use of automated scoring system

·Multilingual - English, Bulgarian, Serbian, and Macedonian

Contact this candidate