Experience

IOU Financial

• United States
• Financial Services
• 1 - 100 Employee

• Commercial Underwriter

  • Sep 2015 - Present

  • Review, prep, and underwrite new and renewal loan submissions for proper term, line of credit, etc. • Interpret cash flow, balance sheet, income statements, and tax returns (both personal and business) to determine credit worthiness. • Use credit data and financial statements to determine the degree of risk involved in extending credit, loan pricing, lien positions, etc. • Finalize credit package with conditions precedent as needed to ensure Loan Closing has a complete approval package while adhering to proper turnaround times. • Communicate and collaborate with Senior Management and Sales agents in regards to loan decision. Show less



GreenSky®

• United States
• Financial Services
• 300 - 400 Employee

• Lead Credit Analyst

  • Apr 2013 - Sep 2015

  •Review loan applications, financial documents, and credit bureaus in accordance with established underwriting guidelines and policies to determine creditworthiness. •Search, obtain, verify, process & interpret required info/data to include but not limited to calculating D-T-I ratio, analyzing tax returns or verifying income, address and SSN for remediation of a Pended application in preparation for a non-judgmental loan decision. • Review & remediate requests from Applicants or Sales escalation and second-look declines • File and maintain UCC portfolio • Determine the correct decision with an acceptable amount of minimal errors as it relates to the established credit policy for pended loan requests with the goal of achieving the optimal outcome for the borrower and the bank. • Maintain acceptable turnaround times while providing excellent customer service within established SLAs. • Serve as mentor, coach, trainer, for entry-level analyst. Show less



CredAbility

• Greater Atlanta Area

• Financial Counselor

  • Dec 2008 - Apr 2013

  • Educates clients on identifying available resources to meet priority expenses and support financial goals. Reviews debt obligations, which may include an analysis of the credit report. • Review clients financial statements and monthly expenses in order to provide available solutions and plans to support financial goals • Respond to client calls, resolves client/creditor problems and documents account activity in regards to bankruptcy, foreclosure prevention, and/or debt management plans • Provide service in accordance with all state, federal and regulatory guidelines for the provision of counseling services. • Participates in educational opportunities to include workshops and offsite client education. Show less



Saks Incorporated

• Jackson, Mississippi Area

• SUPERVISOR-LEVEL CREDIT ANALYST

  • May 2006 - Dec 2008

  • Process and decision credit applications receive and analyze credit report data and financial statements to determine the degree of risk for credit limit extending credit • Handle inbound phone calls, escalated calls and initiates outbound calls to resolve issues and maintain business relationships with merchants and customers • Consult with customers to resolve complaints and gather documents for processing and credit transactions while following collection and credit laws • Review and report accounts for suspicious and/or fraudulent activities Show less