Stephanie Tuia

https://www.linkedin.com/in/stephanietuia Cell:918-***-**** Email: adci4v@r.postjobfree.com

Experience

Underwriter, ForwardLine Financial; Woodland Hills, CA — Nov 2019-Present

Proposed and presented underwriting procedure plan to executives

Consulted with management in improving underwriting criteria for delinquent loans

Approve loans with annual gross of +$350k or more

Manage the exception queue for additional funding for loan requests

Underwriter, Marlin Capital Solutions; Cottonwood Heights, UT — Nov. 2015-Oct. 2019

First remote employee of Funding Stream, working alongside NJ counterparts, as part of four-member underwriting/process team that manages loan application queue and maintains monthly million-dollar funding goal

Brought in former colleague at CAN Capital, entrusting half of our Underwriting talent to Utah, a critical force for Funding Stream product

Produce daily, up to 25 detailed write-ups and recommendations for loan approvals ranging from $5,000-$200,000

Saved company hundreds of thousands of dollars in loan funding through due diligence of underwriting practices on consumer and business reports, bank statements and online investigations of prospective customers and businesses

Manage relationships with over 30 internal sales reps and external brokers working together to deliver customer with positive loan approval process

Streamlined renewal, re-approval and concurrent application processes and dismissed quick decline applicants, increasing production and preventing replication

Prepare post-mortem reviews on delinquent loans and brainstorm how we can eliminate future losses

Underwriter, CAN Capital; Salt Lake City, UT — March 2013-November 2015

One of two employees hired to open Utah office, ultimately expanding to nearly 20 underwriters by the end of CAN’s Salt Lake City tenure in Jan 2016

Exhibited CAN’s same-day funding culture, decisioning heavy volume of deals from start to finish, averaging 20-30 minutes per application for $2,500-$250,000 loans

Purged out prohibited industries, fraudulent bank activity and identification theft, preventing monetary losses for both CAN and small business applicants

Collect findings from CAN’s Contract Administrators and completing a thorough checklist of items to complete the underwriting process

Zions Bank, Peak Time; Salt Lake City, UT— May 2008-November 2010

Roles included working as a floating teller and special projects in Private Banking, Property Management and working exclusively as a Fraud Security Associate for four months

Providing reliable coverage to all retail branches and departments within two Utah counties (over 50 branches at the time)

oNational Real Estate Loan Specialist, November 2010-March 2013

Tracked, evaluate, ensure that insurance policies are up to date, in compliance with Zions properties

Voice of customer service line, addressing customers and resolving understanding of loan agreements and more specifically, prepayment penalties

Education

Brigham Young University, Provo, UT — Bachelor of Arts, Communications, December 2004