Consumer Lending Underwriter with Credit Risk Expertise

THOMAS KEATING

********@*******.*** 847-***-**** Temecula, CA 92592

Summary

Progressive and Driven Lending Professional seeking a career opportunity to leverage past and present experiences in the areas of credit risk analysis, rendering lending decisions, working with business partners to maximize lending capacity, all while adhering to compliance and business processes.

Skills

Credit Risk Assessment/Analyst

Financial Analysis

Senior Underwriter/Management

Knowledge of Regulatory Principles

Strong Written and Verbal Communication

Microsoft Office Advanced

Experience

US Bank – Irvine, CA

Business Banking Sr. Credit Analyst II

04/2025 – 01/2026

JP Morgan Chase Elgin, IL

Fraud Manager II

05/2023 – 02/2025

Gather, analyze, and interpret all types of credit information on existing and prospective business customers

Prepare and present credit reports to lending officers, making recommendations on the extension of credit for new, renewal, and extension loans.

Renders decisions on Jumbo Loans to sell to investors

Adheres to all State and Federal lending regulations when rendering Mortgage Loan decisions, including RESPA, Reg Z, Fair Lending, etc.

Call center environment: Focused on average hold time, talk time, and after call work time.

Manages a team of 18+ Fraud Specialists that are highly concentrated in the investigation of fraud within the credit card and ATM scope

Sets clear expectations for quality, excellent customer service, and efficiency

Performance Management process – hiring, firing, and performance reviews

Collaboration with upper management to recommend process improvements

Handles complex escalations, and customer-related concerns

Strong Consumer Lending Compliance Audit experience with auditing, verifying, analyzing reports for accuracy and documentation.

Weekly one on ones with the team to strengthen their skillsets and help build their careers.

Wells Fargo Lombard, IL

Underwriting Manager

09/2014 - 02/2023

Led a team of Mort Lending Underwriters responsible for Jumbo Loans

Handled exceptions when above Underwriter’s authority limit

Hired, Fired, and responsible for Performance Management Process

Responsible for balancing workload to meet business needs

Analyzed consumer and commercial credit worthiness, responsible for complex, multimillion-dollar lending decisions, verified incomed and structured loans to maximize production to meet underwriting guidelines.

Defined clear expectations and acted as a change agent to support and collaborate with internal and external stakeholders to ensure premium quality, efficiency, and customer service

Knowledge of escrow & and appraisal analysis

Strong communication both verbal and written

Proficient in Microsoft applications

Displayed commitment and drive to deliver an experience that improved our clients' financial lives

Expertise in business for self, complex, multi-unit, and cash flow analysis

Proactively monitors, governance, risk identification, and escalation

Subject matter expert on all Federal Regulations for the assurance of quality and compliant decisions throughout the underwriting/audit process.

JP Morgan Chase – Downers Grove, IL

Underwriting Manager

12/2011 - 09/2014

Led a team responsible for credit analysis in conforming and non-conforming Chase Private Client loans

Ensured the unit's workflow and exceeded expectations

Ensured quality and compliance to the highest level per government and Chase Bank regulations

Specialized in Cash Flow Analysis, Complex Business for Self-Income evaluation, Corporate Tax Document calculation, Audit, and Compliance.

Subject matter expert on all Federal Regulations and their implementation throughout the underwriting and compliance process.

JP Morgan Chase – Downers Grove, IL

Senior Credit Underwriter

10/2010 - 12/2011

Performed credit and property analysis and loan decisions on NON-QM Loans, conventional loans & lines

Specialized in FNMA, Freddie, VA, Jumbo Loan, Commercial, Auto Loan Underwriting, and credit cards

Analyze challenging loan packages to render sound credit solutions (Non-QM and Non-Agency Loans)

Provides exemplary customer service to both internal staff and external customers

Maintain quality and production standards as defined by the business.

Education and Training

Illinois State University Normal, IL

Bachelor of Science

01/1992

Certifications and Achievements

NMLS SR ID: 1530456

Direct Endorsement Certified (DE)

4x Winner of Circle of Excellence

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