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Financial Service

Location:
Phoenix, AZ
Posted:
April 07, 2021

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Resume:

Profile Summary

Loan Underwriter with over ** years of experience working for financial institutions, Fortune 500 companies, a federal government lending agency. A detail oriented, self-starter with a successful track record in financial and credit analysis, financial advisement, and credit counseling. Adept with Lending 360, Microsoft Office Suite, Oracle, PeopleSoft, and Salesforce.com. Possess a strong ability to communicate and build relationships with coworkers and clientele alike.

Professional Experience

Copper State Credit Union, Phoenix, AZ (September 2016 - Current)

Credit Analyst

Make sound lending decisions underwriting consumer and commercial loans. Review and verify financial and credit standing of applicants to determine the degree of risk along with spreading financial statements for business inquiries. Structure loans that mitigate losses, meet borrower needs, and adhere to institution policy.

Implemented and administered SBA Paycheck Protection Program serving over 90 borrowers from inquiry through forgiveness

University of Phoenix, Phoenix, AZ (November 2011 – September 2016)

Finance Advisor

Maintain 250+ active student accounts. Advise students on financial solutions so that they may reach educational goals. Analyze and monitor account receivables to coordinate resolution of past due balances through Oracle. Ensure financial processes are completed in compliance with federal guidelines.

Decreased delinquent student accounts 24% in two month period covering team

Reduced outstanding account balances 39% in two month period covering team

USAA, Phoenix, AZ (February 2010 - November 2011)

Member Services Representative

Advise and assist members with product acquisition and service existing policies. Provide integrated solutions to meet members’ needs and facilitate financial security. Perform front-line underwriting analysis to evaluate and mitigate risk.

Received merit-based promotion in half the time of peers

Consistently received top box Net Promoter Scores

Farm Service Agency, McIntosh, MN (September 2007 - November 2009)

Loan Specialist

Service over 150 clients annually through operating, term, and guaranteed loan programs. Perform credit risk analysis of loan applications. Assist borrowers in preparation of financial statements. Execute year-end financial analysis, compare income statement to projected budget, create forecast, and evaluate performance against key metrics. Use financial ratios to provide advice, guidance, and credit counseling that would drive profitable business decisions.

Successfully completed Credit and Financial Analysis Training

Loan approval authority up to $400,000

Education

Masters of Business Administration, 2010

University of Mary, Bismarck, ND

4.0 GPA

Bachelor of Science Degree, Business Administration, 2007

Bemidji State University, Bemidji, MN

3.52 GPA

Additional Coursework

University of Phoenix, 2012

oCommunications for Accountants, Intermediate Financial Accounting I, II, III

Rio Salado College, 2010

oCertificate of Completion in Insurance Studies



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