Consumer Lending Underwriter & Banking Operations

Elizabeth Flores *

Elizabeth Flores

CONSUMER LENDING UNDERWRITING BANKING OPERATIONS

563-***-**** ********@*****.*** Greenville, SC PROFESSIONAL SUMMARY

Bilingual consumer lending and underwriting professional with 8+ years of experience evaluating credit risk, processing consumer and home-equity loans, managing high-volume pipelines, and supporting compliant lending decisions. Experienced across the full loan lifecycle, including application review, income verification, DTI/LTV analysis, condition clearing, disclosures, closing, funding, boarding, account servicing, and post-close quality control. Known for sound judgment, accuracy, responsive member service, and clear communication in English and Spanish. NMLS licensed and commissioned Notary Public.

CORE QUALIFICATIONS

Underwriting & Credit Risk: Credit analysis, borrower eligibility, income and employment verification, DTI/LTV calculations, risk assessment, lending guidelines, policy application, condition review, and escalation preparation Loan Products & Operations: Consumer lending, auto/RV and unsecured loans, share/certificate-secured loans, HELOC/HELOAN, mini-mortgage, disclosures, appraisal support, title/lien/insurance coordination, closing, funding, boarding, and post-close QA

Banking & Compliance: Retail banking operations, account opening and servicing, ECOA/Reg B, Reg Z/E/CC, BSA/AML, KYC/OFAC, UDAAP awareness, fraud prevention, audit readiness, and notarization Client Service & Systems: Bilingual communication, relationship management, product recommendations, complex issue resolution, Keystone core banking, loan origination systems, Microsoft Office, documentation, and pipeline management PROFESSIONAL EXPERIENCE

BHG Financial - Consumer Loan Underwriter

Nov 2025 - May 2026 Remote

• Evaluated borrower profiles, credit reports, income documentation, debt obligations, and supporting financial records to determine eligibility and creditworthiness under established lending guidelines.

• Calculated and validated debt-to-income and loan-to-value ratios, reviewed repayment capacity, and applied internal credit policy consistently when making underwriting decisions.

• Managed a high-volume loan pipeline by prioritizing aging files, responding to time-sensitive requests, and maintaining accuracy while meeting expected turnaround times.

• Identified missing or inconsistent information, issued clear underwriting conditions, and partnered with internal teams to obtain documentation needed for final decisions.

• Documented decision rationale and maintained complete, audit-ready files in accordance with regulatory requirements and internal credit standards.

• Collaborated with processing and support teams to resolve exceptions, clear conditions, and move qualified applications toward completion.

Founders Federal Credit Union - Banker / Consumer Underwriter Mar 2024 - Sep 2025

• Supported members across both retail banking and consumer lending, providing account opening, account servicing, loan origination, and underwriting assistance within assigned authority.

• Originated and processed consumer lending products including unsecured, auto, RV, share/certificate-secured, HELOC/HELOAN, and mini-mortgage loans.

• Reviewed credit, verified income and employment, calculated DTI/LTV, assessed risk, and applied lending policy to approve, condition, decline, or escalate requests as appropriate.

• Coordinated the end-to-end loan process, including disclosures, appraisal support, title and lien documentation, insurance verification, closing, funding, boarding, and follow-up.

• Explained loan terms, required conditions, and next steps clearly to members, including bilingual support for Spanish-speaking members.

• Completed account and identity verification activities in alignment with KYC/OFAC, BSA/AML, fraud-prevention, and documentation requirements.

• Built member relationships by identifying financial needs and recommending appropriate deposit, credit, and service solutions without sacrificing compliance or service quality. Elizabeth Flores 2

ELIZABETH FLORES CONSUMER LENDING & UNDERWRITING PROFESSIONAL EXPERIENCE CONTINUED

Dupaco Community Credit Union - Consumer Lending Consultant / Underwriter Jun 2021 - Mar 2024 Promoted from Consumer Loan Processor

• Underwrote consumer loan requests within assigned authority by reviewing credit reports, borrower documentation, repayment capacity, and compliance with lending policy.

• Prepared well-supported escalations for requests outside authority or requiring additional review, clearly documenting risk factors, strengths, and recommended next steps.

• Supported the underwriting and processing of home-equity applications, including document review, income verification, collateral-related requirements, and condition management.

• Assisted with small-business and commercial requests by gathering documentation, confirming policy alignment, and coordinating information needed for credit review.

• Managed multiple applications simultaneously, followed up on outstanding items, and worked with internal partners to keep loans progressing through the pipeline.

• Educated members on loan options, terms, documentation requirements, and decisions while maintaining professional, responsive service throughout the process.

Dupaco Community Credit Union - Consumer Loan Processor Nov 2019 - Jun 2021

• Processed consumer loan applications from initial review through closing support, ensuring documentation was complete, accurate, and aligned with lending requirements.

• Verified income and employment, obtained and reviewed credit information, calculated DTI, and cleared or routed underwriting conditions for resolution.

• Prepared and coordinated disclosures, title and lien documentation, insurance verification, closing materials, funding steps, and post-close checks.

• Communicated with members and internal teams regarding missing documents, loan status, outstanding conditions, and expected next steps.

• Maintained organized loan files and accurate system records to support efficient handoffs, quality assurance, and audit readiness.

Heartland Financial USA - Contact Service Representative I & II Jun 2017 - Nov 2019 Promoted to Representative II

• Handled high-volume customer contacts involving account servicing, transaction support, online banking, general product questions, and routine banking inquiries.

• Resolved increasingly complex and escalated client issues after promotion to Representative II, researching account activity and providing policy-accurate solutions.

• Delivered bilingual support in English and Spanish, helping customers understand account information, required actions, and available banking services.

• Documented customer interactions and resolutions accurately while protecting confidential information and following verification and security procedures.

• Balanced service quality, efficiency, compliance, and professionalism in a fast-paced contact-center environment. EDUCATION

Emmaus University - Bachelor of Science, Business Administration LICENSES & CREDENTIALS

NMLS ID: 2220507

Notary Public: Commissioned

Languages: Bilingual English and Spanish

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