Experience

United Community Bank

• United States
• Banking
• 500 - 600 Employee

• Consumer Loan Underwriter ll

  • Jun 2014 - Present

  • Analyzed and interpreted both financial and non-financial data in rendering the final decision within individual approval limits. Underwrite both real estate loans (HELOC, HELOAN, Construction, Lot Loan, Mobile Home and Land) and non-real estate loans (nine different products). Most recent year (2021), underwrote over $125 million in loan volume. • Underwrite from a service center all consumer loans from 170 banking offices in Georgia, North Carolina, South Carolina, Florida, and Tennessee. • Ensured compliance with all state and federal regulatory requirements. • Used bank guidelines, policies, and practices, while being accountable for all loan approvals or declines. • Kept established service level agreements (SLAs), with a high degree of independence in solving problems and making decisions. • Ensured duties are carried out efficiently and cost-effectively with efforts focused on achieving maximum customer service. • Communicated with bank lenders, relationship managers, regional and state presidents as needed. Show less



Global Lending Services LLC

• United States
• Financial Services
• 400 - 500 Employee

• Underwriter ll / Credit Analyst ll

  • Jan 2013 - Apr 2014

  • Processed an average of 75 applications daily; 4 day work week • Helped lead and train up to 10 employees on GLS credit buying policy • Independently analyzed and validated customer credit applications in an efficient and timely manner in compliance with credit policy standards • Made independent lending decisions within authority limits and made recommendations for higher-level approvals as appropriate • Communicated thoroughly with all appropriate business partners as necessary • Performed all other duties as assigned by management Show less



Springleaf Financial Services

• Financial Services
• 700 & Above Employee

• Branch Manager Trainee

  • Mar 2011 - Jan 2013

  • Developed relationships with customers and supervised 4 employees • Closed more than 20 loans per month and made business development calls with local businesses • Effectively recognized customer needs and provide solutions • Evaluated loan applications, risk analysis, and credit decisions • Administered loan closings • Developed relationships with customers and supervised 4 employees • Closed more than 20 loans per month and made business development calls with local businesses • Effectively recognized customer needs and provide solutions • Evaluated loan applications, risk analysis, and credit decisions • Administered loan closings



Bostik

• France
• Chemical Manufacturing
• 700 & Above Employee

• Manufacturing Team Leader

  • 2008 - 2011