Senior Underwriter / AVP

Education

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

Work Experience

Wells Fargo Personal Lending Senior Loan Underwriter 3 / Assistant Vice President May 18, 2020 - Present

·Responsible for reviewing, analyzing, and underwriting large unusual or complex individual and joint consumer credit applications following company and industry guidelines.

·Reviewing credit reports, tax returns, bank statements, income documents and other financial documents, interpreting the data, calculating of applicable ratios to determine affordability, credit utilization, and asset coverage.

·Current lending authority to approve loans for self and others with lower lending limits.

·Possess strong analytical skills with attention to accuracy and details in the credit and finance area.

·Responsible for applying fraud detection practices to mitigate credit risk for the business and to stay in compliance with the banks policies.

·Possess the ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic environment.

·Assisting and supervising lower-level team members with re-negotiations of loans based on lending guidelines and lending limits. Communicate directly with merchants, customers and partners maintaining excellent relationship and providing outstanding customer service.

·Provide training to new team members and work direction, coaching and training to lower-level team members. Partners well with peers and other business partners.

·Ability to assess current processes/procedures and make recommendations for efficiency. Experienced resolving and working through escalated and complex issues.

Possess strong leadership to manage in a highly dynamic operations environment and ability to meet deadlines. Experienced in working in virtual and hybrid environment.

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 June 22, 2015 to August 1, 2018

·Responsible for reviewing closed end mortgage packages to ensure the completeness of the loan, making sure the loan was closed in compliance with all applicable government regulations. Review included extensive audit on all closing documents including Appraisal, DU/LP, Loan Application, Insurance, Closing Disclosure, Loan Estimate, credit bureau, Title works, Deed of Trust, verification of income, Bank statements and other financial documents.

·Perform audit on Cash Flow, W-2 wage earners, self-employment, corporate, and business tax returns to ensure borrower qualified for the loan following all applicable guidelines.

·Audited and examined all applicable calculations for the qualification of the borrower to ensure everything was calculated accurately and in compliance. ( DTI, PTI, PITI, and LTV).

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

U.S Bank Business Relationship Banker May 31, 2012 to June 22, 2015

Responsible for opening and servicing new and existing business and personal accounts, cross-selling financial products to business clients meeting their financial needs.

Knowledge of treasury products, brokerage accounts, merchant services, and middle market commercial banking.

Experienced in building and maintaining new and existing relationships with customers and business clients.

Posses general understanding of Anti Money Laundering and Bank secrecy Ac, credit policies, and other lending regulations.

Provide excellent customer service with the ability to listed to customers needs, suggest financial products and resolve customers concerns.

Possess business relationship support experience with emphasis on expanding the book of business in order to maximize revenue for the bank.

Skills

·Proficient in CUSP, ACAPS,CSS, FDR, SVP, Hogan, Cloud, ICMP,Lexis Nexis, Innovis, Nexidia, RMS Microsoft Office and other Wells Fargo products, Experience with OFAC, Patiot Act,

·Proficient in the use of automated scoring system

·Solid understanding of AML, Tila, Respa, BSA, AML, and other Federal Reserve Regulations

·Multilingual

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