Credit Underwriter Analyst

SCOTT MICHELSON

Fort Lauderdale, FL *****

954-***-**** Cell 954-***-****

*******@***.***

SUMMARY – Over 20 years experience in Consumer Finance

PROFESSIONAL EXPERIENCE

CONSUMER LOAN OFFICER II – Senior Underwriting position

Eastern Financial Florida Credit Union – 7/07 to 3/08 (200 position company-wide layoff)

· Analyze credit reports and increase loan volume for secured and unsecured loans

· Monthly funding average: $2.8 million in auto loans, $490k in unsecured loans

· 68.04% average funding ratio (Dept. average 58.32%)

· Identify and optimize cross-sell and up-sell opportunities including:

o Warranty products from Intercontinental Warranty Services

o Credit Life & Accident & Health Policies from Minnesota Life Products

o GAP Insurance through Allied Solutions

· Familiarity with the following programs:

o ZEUS, the current MISER interface, a Full-Service Banking Application

o Streamlend 4.0 Operating System

o NADA e-valuator

o Blackbook Xpress Suite

o Microsoft Office including Word, Outlook, Excel and Powerpoint

WHOLESALE MORTGAGE ACCOUNT EXECUTIVE 1/04 to 6/07

· Provided Alt. A Jumbo/Super Jumbo loans to high net worth clients of financial institutions

· Developed Sales Territories in Southeast, West Coast, & Southwest

· Pre-APPROVED all Loan submissions prior to Underwriting

· Develop long term relationships with Brokers and Institutional lenders

· Mortgage Fraud Awareness Training Seminar

Black Label Mortgage/First NLC/FBR 2/06 to 06/07

Finance America 1/04 to 1/05 – BNC Mortgage merger office closed

RETAIL MORTGAGE LOAN OFFICER 12/01 to1/04

· Closed $4.1 million of non-conforming mortgage loans in 2002.

· Vermillion Consulting, Inc. - Completed Customer Service Sales Training

Fieldstone Mortgage – entire staff followed RSM to Fieldstone

America’s MoneyLine (Saxon Mortgage Retail Division )

BRANCH MANAGER

United Auto Credit Corp. (subsidiary of UPFC) – September 1999 to July 2001

· Developed a $5 million regional office within two years.

· Directed all marketing efforts to over 200 automobile outlets on a daily basis.

· Responsible for all financial reporting, statistics, & performance reviews to corporate office.

· Analyzed credit and underwrote all loans. Credit training from CEO.

· Managed a staff of 7 employees.

CREDIT LOAN UNDERWRITER

Household Automotive Finance Corp. (HSBC) – May 1997 to August 1999

· Underwrote all loan submissions (over 100/month) in a defined market area.

· Minimized callback time (under 3 hours), led branch with the most decisions (17.5% of total).

Mercury Finance Corp. – June 1995 to May 1997

· Analyze sub-prime indirect auto loans and apprise dealership personnel of decision

· Responsible for collection and skip tracing for all active accounts.

· Trained & managed several employees in all aspects for the credit/collection cycle

COLLECTION ACCOUNT REP.

American Credit Services Inc. (Rochester Community Savings Bank) – July 1993 to June 1995

· Responsible for the collection/management of over $27 million of indirect auto loans

· Trained/developed several co-workers as well as assist tellers during peak hours

· EMPLOYEE OF THE MONTH - SEPTEMBER 1993

TELLER

Scarsdale National Bank – Summer and Winter break through college, 1987 through 1990

ENTREPRENEURIAL EXPERIENCE

Wholesale Health & Beauty Aids Sales - Owner - January 2005 to January 2006

EDUCATIONAL EXPERIENCE

Masters of Business Administration (MBA) -Florida Atlantic University Boca Raton, FL

Bachelor of Arts (BA) - Muhlenberg College, Allentown, PA (Dean’s List Fall 1988)

Skills/Attributes/Key Words

Analytical skills Time Management Skills Referral networking skills

Communication skills Customer Service skills

Derail Oriented Independent worker

Initiative Interpersonal skills

Multi-task oriented Negotiation/conflict resolution skills

Organizational skills Problem-solving skills

Results-oriented Team Player

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