Experience

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  Humana

  May 2007 - Aug 2007

  Internship - marketing services intern

  • Researched and wrote RFPs for medical, dental, and care management services for large national employers.• Updated the company’s intranet and internet website.• Created graphic sales communications for sales partners to obtain government contracts.

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  Pfs - professional financial services

  Jan 2008 - Mar 2012

  Loan portfolio manager

  • Executed all jobs at the office which include collections, running the cash drawer, originating loans, filing judgments, reviewing bankruptcy payments, distributing gross profit checks, and effectively calling 100+ clients each day.• Reduced delinquency from 5% to below 1.99% delinquent accounts every month by calling and visiting clients.• Delegated and managed the daily workload among peers and handled all insurance claims for the branch.

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  Wells fargo

  Mar 2012 - Jul 2023

  • Demonstrated appropriate risk appetite when decisioning 1200+ applications per month across 50 states while upholding internal underwriting guidelines and federal regulations to ensure loan quality.• Improved documentation by analyzing and properly mitigating risks on decisions for the team resulting in less than 3% error rate month over month.• Streamlined daily issues within underwriting policy and procedures by consulting with management to provide clarity to teammates.• Collaborated with the sales team through Salesforce, visits, and calls to cultivate dealer relationships within the Gulf Coast territory. This increased the book of business from 7 million to 17 million monthly within a year. Show less • Negotiated and originated 28+ million dollars in prime and non-prime auto loans each year with losses below 0.50% for the portfolio.• Evaluated risk by analyzing data sets, credit bureaus and income documents to make sound credit decisions based on PTI, DI, GRI, and LTV.• Selected by leadership to travel and obtain Driving Sales Excellence certification.• Prioritized and organized credit decision queues to assure quality decisions were made in a timely manner.• Provided daily guidance to teammates to help maintain quality expectations for the organization. Show less • Gained a full understanding of FHA mortgage underwriting guidelines with comprehensive knowledge of analyzing credit, tax, and income while maintaining below a 2.5% error rate from second-level review.• Wrote proposals for loss mitigation second-level review to influence sound business decisions to benefit homeowners and Wells Fargo.• One of 10 underwriters nationwide selected based on quality to travel and underwrite at Home Preservation Workshops across the United States.• Served as the Team Lead, assisting with difficult questions, analyzing business income and tax documents for the site, handling Office of the President complaints, organizing meetings and training underwriters on the floor.• Led weekly team huddles with underwriters and specialists to remove the disconnect between the two job functions. This improved efficiency overall with 27% less calls to the borrower for information. Show less

  • Senior Loan Analyst for Wells Fargo Auto

    May 2018 - Jul 2023

  • Consumer Loan Underwriter II for Wells Fargo Dealer Services

    Sept 2014 - May 2018

  • FHA Loss Mitigation Underwriter for Wells Fargo Home Mortgage

    Mar 2012 - Aug 2014
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  Nissan motor corporation

  Jul 2023 - now

  Consumer credit analyst ii

  • Decisioned Commercial, Lease and Retail applications maintaining a high level of productivity increasing volume and capture for the Southeast region.• Led the team in approval percentage while maintaining an excellent QM audit score for both decisioning and phone calls.• Formatted and updated Excel dealer contact information weekly for 275+ dealers within the region and distributed to multiple work groups.