Underwriting Professional with 22 years in collections and 1in Finance

Linda Brooks

*****.******.****@*****.*** 816-***-**** Kansas City, MO

SUMMARY

Seeking an Underwriting role, offering 22 years of experience in financial services, adept in client communication, and risk assessment. Skilled in verifying information, ensuring compliance, and providing clear explanations, beneficial for patient interactions and support. Proven leadership in managing teams, aligning with policy adherence and performance improvement.

WORK EXPERIENCE

Auto Approve Kansas City, MO

Loan Support Specialist 11/2024 to present

Assists Auto Approve customers to gather all documentation required to fund their loan, and in the electronic signing process.

Walks customers through both loan and title forms over the phone and partnering internally with other loan processors and title specialists to ensure all requirements are met.

Ensures smooth customer experience for all Auto Approve customers.

Handles questions and clarifications related to the loan documents.

Uses an internal CRM to accurately input status updates.

U.S. Bank Kansas City, MO

Indirect Auto Loan Underwriter Sep 2014 - Nov 2023

• Analyzed applicants' financial histories, credit availability, and employment to determine loan approval feasibility.

• Made informed decisions on loan applications, approving or denying based on comprehensive reviews and clearly communicated the rationale to applicants.

• Conducted thorough verification of clients' financial information to assess creditworthiness and eligibility for loans.

• Issued conditional loan approvals contingent upon applicants providing further necessary documentation.

• Evaluated risk factors for each loan application by adhering to established underwriting guidelines and examining credit reports from major bureaus.

Wells Fargo Dealer Services Overland Park, KS

Indirect Auto Loan Underwriter Mar 2012 - Jun 2014

• Assessed and verified applicant financial documentation, ensuring accuracy and adherence to compliance standards.

• Evaluated creditworthiness by analyzing credit reports and risk factors, recommending solutions for discrepancies.

• Rendered final decisions on loan applications, providing conditional approvals and clear explanations for approvals or denials.

Ferrellgas Kansas City, MO

Credit Analyst Apr 2010 - Mar 2012

• Conducted comprehensive assessments of loan requests to ensure accuracy and adherence to lending standards and determined suitable loan terms based on evaluations of borrowers' credit profiles.

• Completed initial credit analyses to ascertain borrowers' creditworthiness and regulatory compliance, identifying instances that required further documentation for in-depth review.

Wells Fargo Dealer Services Kansas City, MO

Collections Supervisor Feb 2001 - Jan 2010

• Managed a team in executing collections activities, ensuring adherence to legal standards and company policies while maintaining efficiency in customer contact and account resolution.

• Delivered monthly performance reports, analyzing team activities against targets to inform strategic adjustments and improve collections outcomes.

• Facilitated team meetings to align objectives and review performance metrics, offering coaching and feedback to enhance collection techniques and workflow management.

EDUCATION

Keller Graduate School of Management Kansas City, MO

MBA, Business Administration and Management Dec 2015

Friends University Wichita, KS

Bachelor of Science, Organizational Management and Leadership Oct 2004

SKILLS

Income Evaluation • Credit File Updating • Customer Relations • Terms Definition • Attention to Detail • Loan Processing Coordination • Credit History Review • Application Review • Loan Feasibility Assessment • Creditworthiness Determination • Loan File Maintenance • Active Listening and Learning • Customer Service • Decision-Making • Staff Management • Data Entry • Application Coordination • Fraud Detection and Prevention • Client Interview • Collections Management • Performance Assessment and Improvement • Collections Proficiency • Process Improvement • Basic Mathematics • 10-Key Data Entry • Microsoft Office • Debt and Credit Management • Professionalism • Leadership • Scheduling

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