Cedric Washington

**** ******* **** ****** ****, AR 501-***-**** Email: advgrd@r.postjobfree.com

Objective: Professional Consumer Lending Underwriter II who consistently rates high with customer satisfaction numbers, seeking a position where my skills and knowledge of achieving a team/customer goal. Adept at educating customers on loan information, gathering information necessary to close loans and alerting management to any issues.

Highlights

Maintains a professional and pleasant attitude

Extremely well-versed in loan closing documents

Understands the importance of a loan checklist

Strong negotiation and presentation skills

Excellent communication skills-both verbal and written

Team player and multi-task oriented

Skills: Microsoft Office, Excel, Vista, AS400, Power Point, Access, Wan, HIP, Sim, Scom 2007, Outlook, Citrix, Cisco Router, Pix Firewall, People Soft, Skip-Trace, Lexus Nexis, Cognos and Jack Henry.

Education: B.S. Business Administration University of Arkansas at Little Rock PROFESSIONAL EXPERIENCE

Product Development Analyst (2022-Present) Simmons Bank

Utilize a high technology acumen and strong understanding of data analytics tools, such as Excel, Cognos, and Power BI to generate data lists and reports, as needed.

Coordinate side-by-side product comparisons, deposit account migration mapping and integration, including M&A GAP analysis.

Monitor for product gaps and complete quality control reviews of data extracts and product mapping lists.

Collaborate with Product Development Business Partners and product subject matter experts to identify value propositions and target segments for channel use.

Work alongside the Finance Analytics team to utilize data for recommending new product ideas and/or enhancement requests to existing products to contribute impactful action items to sell products.

Work with the Marketing team to prepare customer notification mailings, including the creation of the mailing list for the mail house and Welcome Book reviews for acquisitions.

Ensure all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.

Assist in conducting market, industry, and competitor research for product ideation.

Assist with product training; product marketing; product terms & conditions updates.

Assist with periodic Product Inventory Reviews and Product Development Roundtables.

Perform other duties and responsibilities as assigned.

Consumer Underwriter II (2018-2022) Simmons Bank

Responsible for analyzing, evaluating, and approving credit applications within policy, and notifying dealers/ lenders of decisions in a timely manner.

Develops and maintains a strong rapport with assigned third party providers, automobile dealers, and markets new dealer’s prospects daily.

Functions as contact for vendors, dealers, lenders and provides quality customer service, answers and resolves issues.

Analyzes credit, financial statements and property evaluation to determine acceptability to program guidelines, agency and investor guidelines (Conventional/RD/FHA/VA).

Underwrites portfolio special programs to administer guidelines within lending authority.

Performs timely reviews of stipulations and conditions submitted by loan specialists.

Maintains appropriate turn-times and production standards.

Maintains current knowledge of market trends and competitors' activities.

Ensures that Adverse Action Notices are within applicable compliance requirements.

Provides recommendations to managers concerning ways to remain competitive, regarding company products and services.

Ability to read, analyze and interpret financial reports and /or legal documents.

Ability to effectively speak, respond to questions, and present information to one-on-one

/Small groups, customers, employees, clients, all level of management and general public.

Consumer Acquisitions Analyst (2014 - 2017) General Motors

Conducted credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios.

Made recommendations/ decisions regarding the extension of credit.

Investigated and analyzed credit.

Monitored customer accounts and loan portfolios in order to maximize credit quality and minimize risk and potential loss.

Prepared and executed credit reports to relationship managers, loan officers and committees for use in the making of lending decisions on new, renewal and extension loans.

Held an assigned level of credit approval authority.

Maintained control over the credit standings of accounts and furnishes information relative to credit inquiries, as appropriate.

Loan Officer (2013) True-Service Federal Credit Union

Researched market segment potential for loan products and developed targeted marketing plans to reach potential loan customer segments.

Actively marketed credit union loan products including personal, auto, and business loans offerings to achieve aggressive goals.

Analyzed marketing strategies to adapt and adjusted them to improve results.

Interviewed loan applicants; obtained all necessary documentations to review and make loan decisions.

Provided information to the membership/applicants concerning the different types of loans offered, the terms and interest rates, and the documentation needed to be considered for a loan.

Underwrote loans based on established guidelines in loan policies.

Approved loans that meet policy guidelines, within authorized limits and established timeframes.

Made alternative recommendations to borrowers that were creditworthy but did not qualify for the loan they requested.

Ensured all declined loan requests were properly documented for review by the Branch Managers.

Coordinated the preparation and issuance of adverse action letters to members.

Reviewed and analyzed information resulting from staff input, verification and maintenance for all loans being processed.

SR. BUSINESS ANALYST (2012-2013) WINDSTREAM

Determined operational objectives by studying business functions; gathering information; evaluating output requirements and formats.

Designed new computer programs by analyzing requirements; constructing workflow charts and diagrams; studying system capabilities; writing specifications.

Improved systems by studying current practices; designing modifications.

Recommended controls by identifying problems; writing improved procedures.

Defined project requirements by identifying project milestones, phases, and elements; forming project team; establishing project budget.

Monitored project progress by tracking activity; resolving problems; publishing progress reports; recommending actions.

Maintained system protocols by writing and updating procedures; interpersonal skills and troubleshooting to diagnose problems.

Provided references for users by writing/ maintaining user documentation; provided help desk support; training users.

Maintained user confidence and protects operations by keeping information confidential; assisted IT department with support as needed.

Prepared technical reports by collecting, analyzing, and summarizing information and trends.

Account Manager 2009 - 2012 Sykes

Managed six call center supervisors who were responsible for small work teams that consisted of 10-12 members.

Ensured supervisors and teams met established call center goals.

Performed supervisor evaluations for the purpose of providing performance feedback and establishing new expectations.

Set performance goals for supervisors and aided supervisors in setting performance goals for general employees.

Met regularly with clients in assigned area to ensure needs were met.

Set staffing levels.

Sr. Credit Analyst (1998 – 2009) General Motors

Conducted credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios.

Made recommendations/ decisions regarding the extension of credit.

Investigated and analyzed credit.

Monitored customer accounts and loan portfolios in order to maximize credit quality and minimize risk and potential loss.

Prepared and presented credit reports to the relationship managers/loan officers and committees for use in the making of lending decisions on new, renewal and extension loans.

Holds an assigned level of credit approval authority.

Maintained control over the credit standings of accounts and furnished information relative to credit inquiries, as appropriate.

References Available Upon Request

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