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