Senior Credit Underwriter / Senior Credit Officer
Resume:
Tamra Bradfute
Senior Unsecured Credit Underwriter / Senior Credit Officer, Consumer Lending, Credit Analyst, Equipment Leasing, Commercial Credit, Financial Services, Risk Management, Loss Mitigation, Credit and Collections.
San Diego, CA 92126
**********@*****.***
Linkedin.com/in/TamraBradfute777
Work Experience
Axos Bank
Senior Unsecured Credit Underwriter / Senior Credit Officer
September 2021 – September 2022
Analyze prospective Unsecured Personal Loan transactions and credit worthiness of borrowers up to my Credit Authority of $35,000.
Pro-actively works to ensure the credit quality standards of the Bank are maintained and applicants don't receive disparate treatment.
Prepares sound credit write-ups and ensures all due diligence and background evaluation is complete and thorough before credit requests and/or other approval documents are granted.
Utilizes LexisNexis AML Insight, Ticor for Title Searches & Ekata to perform Due Diligence.
Monitors application queue, provides timely credit decisions, leverages technology, seeks out efficiencies to improve customer service and reduce cost structures.
Review & analyze various blended Experian Credit Reports
Review & analyze ID Tab reports, Fraud Link Reports, Precise ID, IP location & various other elements to reduce risk.
Certification & Closing Calls to Applicants.
Calculate Income Calculations on Excel Worksheet
Calculate various Paystubs with Hourly, Salary & various pay elements.
Calculate UDTI
Review Bankruptcy Risk Scores, DTI & PTI
Assign Tasks for Stipulations & Contingencies.
Clear Stipulations & Contingencies
Review Tax Returns/ IRA / Annuity Statements for use of Income Calculations.
Review Bank Statements
Utilize Equifax The Work Number Reports
Make Interview Calls & Review use of Loan proceeds.
Refinance current existing loans with our Bank.
Pull Axos SQL Reports to review Loan repayment activity for Refinancing.
Find & Review Comparable Credit
Investigate Inquires for Risk Management & Exposure
Attend weekly Microsoft Teams Meetings.
Review Fraud Documents & write Sound Memos to send to QAR/Fraud Department
Concur on other Credit Officers Declines & overturn decisions if needed.
Concur on Credit Officers approvals that are out of their Credit Authority
Review Micro Deposits & the Funding Bank Account.
Find Joint Debt to do Debt Reductions to help deals meet DTI requirements.
Add Debt to Debt Adjustment Calculations such as Housing, 401K Loans, Child Support, etc to help mitigate loss/ exposure.
Utilizes Verification of Employment & Income Experian Reports
Performs Verification of Employment through various avenues.
High attention to accuracy.
Demonstrates high attention to detail.
Applies Credit Risk Management Knowledge.
Utilizes optimal writing & communication skills.
Works with Sales Team / Phones Team / Processors to ensure proper Tasks & Documents are obtained and completed.
Pull Daily Tableau Underwriter Production Reports to know where we were with Production.
Remote Credit Client Services Representative
GC Services Limited Partnership
*January 2014 to September 2021
*Remote from May 2020 – September 2021
Grades Credit on new incoming files daily, scores the file from reviewing the credit, debt to income ratio, home ownership, delinquency, credit score, etc. Handle death, fraud and complaint files.
Decision the probability of saving the account from charge off and recovering the highest amount possible to maximize profits for our Client Citi Bank.
Utilize strong negotiation skills, strong customer service skills and heavy investigation skills. Stabilizing pre-charged off accounts, roll back buckets and cure delinquency while adhering to Citi Banks threshold guidelines of Write off Authority of maximum $19,999.
Required to pass several compliance monitors monthly, staying in compliance with F.D.C.P.A Laws / State & Federal Laws & Regulations, C.F.P.B, Company Policies and Citi Banks Policies.
While handling Citi Banks Prime Regular Charged Off 1st Placement & 2nd Placement portfolio, duties were to maximize the highest recovery with balance in full arrangements or settlements within Citi Banks threshold policy, while providing exceptional customer service and keeping the best possible arrangement for both the card member and client in mind.
Other duties include, a high volume of incoming calls, transferring calls, taking calls as necessary if other agents are not available. Additional duties are heavy investigation, heavy skip tracing daily and to utilize skip tracing skills with CBCInnovis, Accurint / LexisNexis and TLO.
Team Lead - Supervisor / Started- Special Assets Officer
Bancard Portfolios Inc/ Credit Solutions Corporation
November 2008 to January 2014
Duties included being the Loan Servicing Department working in conjunction with several Credit Unions and other Financial Service Companies. Offering solutions to resolve accounts and rewrite loans. Recovery of charged off debt. Responsible for helping to resolve past issues with debt, and reinstating memberships who had prior long-standing relationships.
Responsible for all Pre-Legal work prior to assigning accounts to our In- House Attorney and Legal Department.
As a Team Lead, I was still responsible for hitting my personal monthly goal & assisting a team of 8 employees. Additional duties included training, coaching, taking supervisor calls, making credit decisions, approving settlements, sending emails, reviewing for settlement offers, ordering, and reviewing credit.
Reviewed and distributed daily production reports. Responsible for managing my teams work queues to help increase company production.
Inputting NSF's, payments & pulling credit cards for my team. Duties also include holding team meetings & attending Team Lead meetings with upper management. Other duties as assigned included handling accounting issues with payments and termination of employees.
Credit Analyst
Pentech Funding Services
November 2005 to April 2008
Responsible for Commercial Credit Underwriting for equipment leasing and business to business transactions in the small ticket Commercial Division.
Decision credit applications submitted through Navigator from brokers.
Reviewed, decision, analyzed and structured all transactions in for credit review within my credit authority of $10,000-$50,000, while reviewing larger deals up to $100,000 and approving with a second signature.
Reviewed and approved vendor verifications and collateral. Ordered, reviewed and approved Desktop Appraisals. Reviewed Dun & Bradstreet Reports, LexisNexis, Pacer, Westlaw, Paynet, SOS, Business Experian Credit reports along with Personal Experian, Equifax and Transunion credit reports.
Responsible for ensuring that all due diligence was done in order to formulate a credit decision before approving, declining or signing off on any loan or contingency. Determined what contingencies were required.
Utilizing credit guidelines and known knowledge, in order to formulate a credit decision for new deals, re-approvals and when a deal needed to be revisited. Reviewed requests from brokers for increased credit limits. Responsible for returning calls, emails and questions from the brokers, Funding Coordinators and the Credit Support Department. Responsible for working with a minimal amount of supervision.
Working knowledge of collateral instruments (i.e., letter of credit, UCC filing, Personal Guarantors, Corporate Guarantors and Corporate Resolutions. Location and rental addendums and other special documents such as landlord consent and waiver, ACH Authorization and Co-Location Addendums. Also, familiar with financial accounting programs such as Lease Pak.
Responsible for verifying supporting documents and percentage of ownership, as well as running reports and reviewing bank ratings and references, time in business, fico, bankruptcy risk scores and trade references.
Additional duties included reviewing comparable credit, liens and judgments, tax returns and interims along with reviewing P&L and financial statements.
Very detail-oriented, while maintaining the integrity of the company and having a sense of urgency to provide promised turnaround times. Responsible for reviewing and signing off on contingencies prior to funding. Reviewed and signed off on exceptions that needed to be made or waived. Assisted co-workers, Funding Department and Brokers with questions or funding issues as needed in a timely manner in order to get the deal funded while enhancing customer relations.
Additional duties included handling in a timely manner any audit issues to ensure data integrity, compliance and underwriting conditions were being met and give my prompt attention to critical audits.
Education
Certificate in Accounting
Poway Adult School
September 2018
College in Cosmetology
J.E. Boutique College of Beauty - El Cajon, CA
Certified in Apartment Management Leasing
Apartment Management Educators - Houston, TX
Aldine High School - Houston, Texas
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