Experience

Arizona Federal Credit Union

• United States
• Banking
• 1 - 100 Employee

• Commercial Real Estate Underwriter

  • Mar 2021 - Present

  Surprise, Arizona, United States



Bank of America

• United States
• Banking
• 700 & Above Employee

• Senior Credit Underwriter

  • Jul 2019 - Jan 2021

  Charlotte, North Carolina, United States Collaborates with client teams in the credit analysis and underwriting of consumer loans and commercial real estate for large net worth clients of US Trust Private Wealth Management and Merrill Lynch. Responsible for financial analysis, loan structuring, financial accounting, modeling, and portfolio management.



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Private Business Loan Underwriter

  • Aug 2017 - Jun 2019

  Charlotte, North Carolina Area Analyzes highly complex financial and credit information for larger commercial business or high net worth customer loans. Underwrites high net worth loans with higher aggregate credit exposure and manages a more complex portfolio and customer base. Compiles, analyzes, and documents loan data and credit risk, borrower and property information. Performs research and analysis related to loan projects, such as industry studies and management reports. Cross-sells products and services. Negotiate… Show more Analyzes highly complex financial and credit information for larger commercial business or high net worth customer loans. Underwrites high net worth loans with higher aggregate credit exposure and manages a more complex portfolio and customer base. Compiles, analyzes, and documents loan data and credit risk, borrower and property information. Performs research and analysis related to loan projects, such as industry studies and management reports. Cross-sells products and services. Negotiate loan provisions. Mentors and reviews analysis of other underwriters in office. • #1 producer for 8 of 12 months in 2018 nationwide; fastest & most accurate of 30 loan underwriters. • Awarded prestigious Client Experience Award Q1 2018 for combo of quick cycle times, extremely high quality, top volume production; overall pace setter and enhancer for entire office. • Top 3 producer every month in 2018 and 2019; Overall #1 UW of 2018 outperforming peers. • High caliber pick by Sr Management, trusted integral member of 7 person Policy & Procedure review team; responsible for critical updates and changes to policy. • Identified and recommended change to complex process; suggested change approved at Sr Mgt level; educated staff on way forward; negative errors, UW confusion, and customer frustrations alleviated. • Modeled and gave best-practice tips on how to decrease paper use and time reviewing a deal, while maintaining quality, resulting in faster cycle times in the department. • Steadily maintained a 99% and higher accuracy rating from both Second Level Review team and Quality Assurance.

• Consumer Loan Underwriter

  • Aug 2013 - Aug 2017

  Charlotte, North Carolina Area Evaluated and reviewed credit reports, debt ratios, income documents, and financial statements to make accurate credit decisions on unsecured personal loans and lines, ensuring accuracy and completeness. Reviewed personal and corporate tax returns to perform cash flow analysis for self-employed borrowers using Net Supporting Calculation and various cash flow methods. Managed complex portfolio and customer base, remaining in contact with the customer and partners to collect necessary… Show more Evaluated and reviewed credit reports, debt ratios, income documents, and financial statements to make accurate credit decisions on unsecured personal loans and lines, ensuring accuracy and completeness. Reviewed personal and corporate tax returns to perform cash flow analysis for self-employed borrowers using Net Supporting Calculation and various cash flow methods. Managed complex portfolio and customer base, remaining in contact with the customer and partners to collect necessary information to finalize pending applications. Provided logic behind decisions to bankers and customers. Identified risks, analyze mitigating factors and when present, make appropriate exceptions within guidelines provided by corporate partners. Reviewed cash flow analysis of less experienced underwriters and provided feedback. • Expertly represented all WF underwriters by providing front-line user inputs for design of PL&L Procedures & Policy SW Enhancements; critical contributions led to faster-accurate loan assessments. • Recognized as SME by Technology & Operations Group; careful prep, understanding, and oversight led to successful implementation of Underwriting SW release platform; critical expertise used on 3 special projects resulting in significant reduction in time required for SME staff to train, increase in consistency in training content, JIT review of unique / infrequent processes; 20% workforce increased. • Selected by Sr. Management to train 25 new underwriters in 2 months and provide OJT in preparing them for lending authority certification; resulted in review & decision of 25 new UWs. Performed desk-side audits; increased department production. • High Quality & High Volume avg; provided oversight of 25 application decisions per day during new Underwriters ramp up period; excellence built in and proven for production; significant cost savings in OT as employee capabilities readied ahead of schedule.



Charlotte Metro Federal Credit Union

• United States
• Banking
• 1 - 100 Employee

• Member Service Advisor

  • Jun 2005 - Aug 2013

  Charlotte, North Carolina Area Performed in supervisory role in absence of Branch Manager. Charged with originating, underwriting, and closing home equity, auto, credit card, personal loans, and personal line of credit applications. Evaluated credit reports and supporting loan documentation from applicants. Identified fraudulent credit reports. Calculated debt ratios and loan-to-value on collateralized loans. Approved loans according to credit union guidelines. Submitted final loan packages for auditing. • High quality… Show more Performed in supervisory role in absence of Branch Manager. Charged with originating, underwriting, and closing home equity, auto, credit card, personal loans, and personal line of credit applications. Evaluated credit reports and supporting loan documentation from applicants. Identified fraudulent credit reports. Calculated debt ratios and loan-to-value on collateralized loans. Approved loans according to credit union guidelines. Submitted final loan packages for auditing. • High quality & high volume producer; Harris Blvd received #1 Award recognition; monthly close of $800K in small home / auto / personal loans; key direct contributions lauded & recognized by Sr. Mgt. • Calmly handled and de-escalated high pressure situations; during / after mid-day robbery – controlled situation with perpetrator flawlessly, all branch employees and customers safe, returned next day. • HQ trusted & strict adherence to policy; delivered high value confidential documentation on schedule. Show less



Heritage Trust Federal Credit Union

• Member Service Representative

  • Mar 2002 - Jun 2005

  Charleston, South Carolina Area Originated and underwrote auto and home equity loans. Established new memberships and cross-sold credit union products building loyalty with members. Processed contributions, rollovers, and withdrawals of IRAs. Handled opening and closing of safe deposit boxes. Redeemed savings bonds, sold, & audited traveler checks.