Experience

Property Owner / Manager

• Real Estate
• 1 - 100 Employee

• Owner

  • May 2012 - Present

   Establishes rental rate by surveying local rental rates; calculating overhead costs, depreciation, taxes, and profit goals.  Attracts tenants by advertising vacancies; obtaining referrals from current tenants; explaining advantages of location and services; showing units.  Contracts with tenants by negotiating leases; collecting security deposit.  Accomplishes financial objectives by collecting rents; paying bills; forecasting requirements; preparing an annual budget; scheduling expenditures; analyzing variances; initiating corrective action.  Maintains property by investigating and resolving tenant complaints; enforcing rules of occupancy; inspecting vacant units and completing repairs; planning renovations; contracting with landscaping and snow removal services  Maintains building systems by contracting for maintenance services; supervising repairs.  Secures property by contracting with security patrol service; installing and maintaining security devices; establishing and enforcing precautionary policies and procedures; responding to emergencies.  Enforces occupancy policies and procedures by confronting violators.  Prepares reports by collecting, analyzing, and summarizing data and trends.  Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.  Accomplishes organization goals by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments. Show less



GreenSky®

• United States
• Financial Services
• 300 - 400 Employee

• Credit Analyst

  • Feb 2014 - Jul 2014

  Perform consumer loan underwriting activities related to decisions on loan requests with the goal of achieving the optimal outcome for the bank and for the borrower. Review requests from borrowers for lower APR’s or increased loan amounts. Ensure compliance with established bank policies, company guidelines and regulatory requirements. Complete these duties within established service level agreements (SLAs) and commitment to customer service. Utilizes a high degree of independence in solving problems and making decisions. Works within established lending authorities. Ensures duties are carried out in an efficient and cost effective manner. Efforts are focused on achieving maximum customer service.  Review loan applications in accordance with established underwriting guidelines and policies, while performing a thorough investigation of credit information from credit reporting agencies and other sources to determine an applicant’s creditworthiness  Analyze and interpret credit reports  Calculate and evaluate debt-to-income ratios  Analyze tax returns and other financial documentation in order to make the best credit decision possible.  Communicate loan decisions and requests for additional information to both applicants and Sales Consultants.  Adhere to established bank policies, company guidelines and all regulatory requirements  Maintain acceptable turnaround times for applications submitted  Verify income per established guidelines  Provide excellent customer service within established service level agreements  Perform other duties as required Show less



Chaco Credit Union

• United States
• Banking
• 1 - 100 Employee

• Indirect lending

  • Dec 2013 - Feb 2014



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Mortage underwriter

  • Dec 2012 - Oct 2013

  Responsible for reviewing and underwriting routine individual consumer requests and products with few deviations and within company and industry guidelines.  Reviewing credit applications, credit bureau information, collateral valuation, tax returns, financial statements, and or other supporting documentation to recommend/approve requests within decision authority levels by way of automated scoring system or traditional underwriting  Assisting with the calculations and preparation of reports for review  Responding to customer inquiries and credit decisions  Ensuring credit files are current, complete, and compliant with company standards  Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products Show less



US Banccorp

• Financial Services
• 700 & Above Employee

• Universal Banker

  • 2007 - 2011