Experience

OCCU | Oregon Community Credit Union

• United States
• Banking
• 200 - 300 Employee

• Consumer Underwriter

  • Dec 2021 - Present



PenFed Credit Union

• United States
• Financial Services
• 700 & Above Employee

• Senior Refi Partner Underwriter

  • Mar 2021 - Dec 2021

  • Completed a thorough analysis of the loan application file to determine member’s creditworthiness for the desired product.• Review and evaluate loan applications and approves, pends, or declines requests to extend credit.• Maintain a working knowledge of the analysis and judgmental decision process for Refinance Auto Loans.• Maintain knowledge of the Refinance program guidelines and rate sheet.• Review documents, such as paystubs and tax returns, etc. for legitimacy and to clear stipulations on loan applications prior to funding.• Review and complete a thorough analysis of the loan file to determine member credit worthiness and collateral value (when applicable). Request required file documentation. • Execute higher risk and more complex underwriting decisions as a result of higher lending authority.• Interpret policies and guidelines for loan processor and other PenFed employees requiring guidance. Follow up with processors when documentation is inaccurate due to processing errors or execution failures.• Collaborate with 3rd party partners to corroborate or collect information related to consumer lending decisions • Analyze and review documentation related to consumer loan applications with an emphasis on accuracy, legitimacy, and completeness of required documentation.• Take part in peer mentoring and coaching activities designed to maximize staff performance.• Maintain professional relationship with the Refinance Partners and our Processing partners and keep partners apprised of any changes to lending guidelines.• Assist IT department with user acceptance and other systems testing as needed.• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.• Review policies, procedures, and guidelines and make recommendations for improvement. Show less

• Senior Consumer Underwriter

  • Apr 2020 - Mar 2021

  • Complete a thorough analysis of the loan application file to determine member’s creditworthiness for the desired product.• Maintain a working knowledge of the analysis and judgmental decision process for various Consumer loan products including Auto Loans, Credit Cards, and Personal Loans & Lines of Credit• Execute higher risk and more complex underwriting decisions as a result of higher lending authority.• Work as an escalation point to junior lenders for questions, concerns, and second reviews, as well as review escalations and exception requests, Underwriting exceptions within delegated authority, and referring appropriate requests to the Loan Review Committee for consideration.• Maintains a strong, working knowledge of current and historical lending best practices and policy• Interpret policies and guidelines for loan processor and other PenFed employees requiring guidance. Follow up with processors & underwriters when documentation is inaccurate. Provides feedback on processors and junior underwriters performance.• Analyze and review documentation related to consumer loan applications with an emphasis on accuracy, legitimacy, and completeness of required documentation• Take part in peer mentoring and coaching activities designed to maximize staff performance; this may include training junior Consumer Underwriters and other departments on lending decisions, criteria needed for making decisions, and recognizing qualified exception requests• Collaborate with other departments and/or institutions to corroborate or collect information related to consumer lending decisions• Assist IT department with user acceptance and other systems testing.• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position• Review policies, procedures, and guidelines and makes recommendations for improvement. Show less

• Consumer Loan Underwriter

  • Dec 2017 - Apr 2020

  • Complete a thorough analysis of the loan application file to determine member’s creditworthiness for the desired product.• Review and evaluate loan applications and approves, pends, or declines requests to extend credit.• Maintain a working knowledge of the analysis and judgmental decision process for various Consumer loan products including Auto Loans (direct and indirect), Credit Cards, and Personal Loans & Lines of Credit, Motorcycle Loans, and RV/Boat loans.• Work with members, internal PenFed staff, and external partners to provide rationale and explanations for consumer lending decisions.• Interpret policies and guidelines for loan processor and other PenFed employees requiring guidance. Follow up with processors when documentation is inaccurate due to processing errors or execution failures. Provides feedback to managers on processors’ performance.• Analyze and review documentation related to consumer loan applications with an emphasis on accuracy, legitimacy, and completeness of required documentation.• Maintain a working knowledge of current loan fraud trends, leveraging internal tools and resources to evaluate incoming consumer loan applications for potential fraud.• Take part in peer mentoring and coaching activities designed to maximize staff performance.• Collaborate with other departments and/or institutions to corroborate or collect information related to consumer lending decisions.• Assist IT department with user acceptance and other systems testing.• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position• Review policies, procedures, and guidelines and makes recommendations for improvement. Show less

• Operations Officer

  • Oct 2015 - Dec 2017

  • Supervises a team of MSRs on a daily basis to include establishing goals, priorities and expected performance level of the team.• Administers stated objectives, goals and performance standards for MSRs in assigned team and assists in ensuring that goals are met or exceeded.• Maintains subject matter expertise to ensure the ability to lead specialized staff in various skills, including sales and technical support.

• Member Service Representative

  • Feb 2012 - Dec 2015

  • Answers persistent inbound member calls and accurately completes requested transactions regarding PenFed deposit, credit cards, and loan products.• Provides a Best-in-Class member experience in all member interactions.• Calmly researches, resolves, and de-escalates member questions or issues.• Meets cross-selling and productivity metrics each month.

• Senior Member Service Representative

  • Dec 2014 - Oct 2015

  • Answers universal assist line, ensuring accurate information is provided to MSR’s efficiently and professionally.• Assists service center team members in the resolution of complex member account problems and questions, making decisions as appropriate.• Handles escalated member calls and resolves complex member problems; making exceptions to policy within delegated authority as necessary.



maurices

• United States
• Retail
• 700 & Above Employee

• Sales Associate

  • Jun 2011 - Mar 2012

  Provided exceptional member service Acted as MOD and key holder Balanced tills on a daily basis Performed in top 5% of sales Provided exceptional member service Acted as MOD and key holder Balanced tills on a daily basis Performed in top 5% of sales