Experience

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  Fifth third bank

  Apr 2005 - Nov 2022

  Underwrites mortgage loans, adhering to bank and federal policies and guidelines. Adept at reviewing credit and income documentation and assessing overall credit risk. Experience with business cash flows, balance sheets and profit and loss statements. Compiles reports to explain credit decisions. Collaborates with loan officers and peers and communicates lending decisions to all involved. Knowledge of banking regulations and lending policies. Experience with Black Knight, Empower, Unifi, ACAPS lending systems. Show less Underwrote home equity loans, auto loans, credit cards and unsecured line of credit loans, reviewed loan agreements to verify completeness and accuracy according to applicable policies. Managed several projects to improve operating system and reduction of home equity lines of credit. • Approved or denied loan applications and provided comprehensive reasoning behind decisions.• Collaborated and partnered with cross functional teams to expedite loan approval processes.• Managed a special project team to review and analyze existing Home Equity lines of credit in comparison to current home values and determined the need to reduce the lines of credit.• Examined asset and income documents, calculating income and determining credit worthiness for determination and qualification for complex loans.• Identified possible red flags and fraud by scrutinizing credit reports and CoreLogic risk reports to mitigate business risk. Show less

  • Senior Underwriter

    Aug 2012 - Nov 2022

  • Consumer Lending Underwriter

    Apr 2005 - Aug 2012
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  Whiting law

  Feb 2023 - now

  Legal assistant paralegal