Consumer Underwriter Resume Samples

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T Stehr

Tod

Stehr

115 Raynor Expressway

Dallas

+1 (555) 359 6839

115 Raynor Expressway

Dallas

Phone

p +1 (555) 359 6839

Experience Experience

Philadelphia, PA

Consumer Underwriter

Philadelphia, PA

Leannon, Yost and Cormier

Philadelphia, PA

Consumer Underwriter

Work closely with Loan Processors to assure decisions are made in a timely manner and delivered to store
Assists customers and bank associates with the loan process
Review of income, asset, and credit documentation to make a sound credit decision according to program guidelines
May perform duties using automated scoring systems or traditional underwriting
Maintain a high level of consumer loan product knowledge and awareness to provide internal customers with information on types of loans, rates, fees, restrictions and accounts, other relevant account information. Assist all associates with the consumer loan process
Work in a fast paced environment accepting faxed consumer loan applications from store locations statewide
Maximize portfolio revenue by practicing sound underwriting judgment and risk management principles

Phoenix, AZ

Direct Consumer Underwriter

Phoenix, AZ

Jerde-Wolff

Phoenix, AZ

Direct Consumer Underwriter

Approve, decline, or conditionally approve consumer loan application packages and provide supporting documentation
Perform analysis of the credit transaction by reviewing the credit score(s), credit quality of the personal credit bureau reports, debt ratios, collateral, structure, adjusted net worths, etc
Assist Sr. Underwriter in reviewing loan decisions of junior underwriters
Advanced knowledge of credit scoring principles and principles of finance
Prepare loan recommendation for the Retail Second Review Committee
May perform other duties as assigned
Work with store associate to deliver exceptional customer service to Bank customer

present

Dallas, TX

Consumer Unsecured Lending Underwriter

Dallas, TX

Hegmann Inc

present

Dallas, TX

Consumer Unsecured Lending Underwriter

present

Ensure material information captured in the automated underwriting system is accurate at time of review
Respond timely to quality control and audit reviews when requested. Provide superior customer service both to internal and external customers
Meet or exceed productivity levels established by Management and credit quality standards set forth by CFG
As a successful member of our team it will be critical to underwrite unsecured loans, including automated and manual portfolio, with strict attention to Reg B, ECOA, and FCRA
Ensure Quality Assurance process is in place and adhered to prior to loan disbursement
Assist the Group Team Managers where necessary
Developing and Issuing loan decisions including Counter Offer scenarios, Approvals and Declines

Education Education

Bachelor’s Degree in Business Related Field Business With Emphasis

University of Tennessee

Bachelor’s Degree in Business Related Field Business With Emphasis

Skills Skills

Strong written and verbal communication skills with the ability to influence the attitudes and opinions of others
Strong interpersonal skills with the ability to work in a team setting
Multitasking with a ability to meet deadlines and solve problems in ambiguous situations
PC Literate with experience and proficiency in Microsoft Word, & Excel
Two years in a consumer loan environment with one year as an underwriter
Office environment – no specific or unusual physical or environmental demands
Occasional to frequent travel

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7 Consumer Underwriter resume templates

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Consumer Underwriter Locations Resume Examples & Samples

2 years of previous lending experience
Customer service experience
Sales skills
Weekend and evening hours apply
Must live in PST/MST timezone within these states: WY, MT, CO, NM, AZ,CA,OR, WA, ID, UT & NV
Indirect sales or credit experience
Posting Date: 10/09/2014

Consumer Credit Card Underwriter Resume Examples & Samples

Credit Qualified with Canadian Personal Limits confined to system generated Approval Recommended applications
Small Business Basics
In-depth knowledge of the Lending Process
In-depth understanding of all operational processes and supporting applications and policies
In-depth knowledge of Personal Lending Products, Loan documentation and processes
Knowledge of Small Business Products – Working
Business Acumen – Working
Environmental Understanding, including Risk, Economic, etc. – Working
Customer Service skills - Working
Excellent Communication skills - both verbal and written

Consumer Loan Rep, / Underwriter Resume Examples & Samples

Requires minimum of 1 year customer service experience; call center experience a plus
Requires minimum of 1 year previous underwriting/credit lending experience
Requires strong problem solving, organizational, and interpersonal skills

Consumer Credit Card Underwriter Resume Examples & Samples

Underwrite new consumer credit card requests and line increase requests
Understanding of credit products, working knowledge of consumer lending laws and regulations
Passion for customer service and ability to communicate clearly and professionally
Team attitude

Consumer Lending Operations Underwriter Resume Examples & Samples

Expert knowledge of lending/compliance regulations,underwriting guidelines and credit qualifications
Well-organized,energetic,self-starter with strong research and analytical skills
Solid PC navigation skills including MS Office application such as Office,Excel,Word,etc

Fair Lending Consumer Underwriter Resume Examples & Samples

Minimum 7 years of experience as an Consumer Underwriter in a financial services or mortgage banking environment required
Minimum 5 years of experience working with lending regulations (i.e. Respa, Reg Z, Reg B, ECOA, Fair Lending) required
Minimum 2 years of PC experience including Microsoft Word, Excel, Outlook as well as some form of industry standard mortgage software required
Experience with loan origination systems is preferred
Ability to calculate mortgage payments and amortization schedules
Ability to communicate clearly and professionally with all levels of an organization
Proficiency in multi-tasking and prioritizing projects

Consumer Finance Underwriter Resume Examples & Samples

Conducts credit investigations and analyzes all available credit information pertaining to loan decisions
Ensures all information needed to appropriately make a loan decision is obtained. Analyzes and evaluates financial statements and related materials for repayment ability. Includes reviewing self-employed, corporate and partnership tax returns, profit and loss, as well as financial statement to determine borrower’s income available for debt service
3-5 years banking or finance company underwriting experience desired, with direct consumer loan, small commercial and mortgage underwriting experience preferred
Thorough knowledge of consumer loan/line products, processing, servicing, and collections
Thorough knowledge of automated loan decision software preferred

Consumer Finance Underwriter Resume Examples & Samples

Maximize approval ratio through skillful and complete underwriting of loan applications
Associate’s Degree in Busines or Finance
Bachelor’s Degree in Business or Finance

Consumer Financial Underwriter Resume Examples & Samples

Acts as the liaison with RV/Marine Sales Representatives and internal/external lenders to resolve any credit related issues or concerns
Effectively communicates with all staff members, outside lending partners, customers and outside vendors
Understands and knows applicable State and Federal regulations and ensures compliance to regulations
Prior experience with underwriting loan transactions in a high volume production environment
Demonstrated knowledge of applicable State and Federal regulations
Demonstrated proficiency in analyzing income tax returns and personal financial statements

Consumer Credit Card Underwriter Resume Examples & Samples

Solid knowledge of consumer lending products, credit policy, applicable federal laws and regulations, loan documentation
1+ years of consumer underwriting experience
3+ years consumer underwriting experience in a centralized fast pace customer service orientated STI team environment

Consumer Underwriter Resume Examples & Samples

Ability to independently make decisions underwriting all consumer loan product requests while adhering to Bank Policy and Procedures
Deliver superior telephone service and attention to both internal & external customers
Maintain a high level of consumer loan product knowledge and awareness to provide internal customers with information on types of loans, rates, fees, restrictions and accounts, other relevant account information. Assist all associates with the consumer loan process
Maintain knowledge of lending regulations and changes to be compliant
Work in a fast paced environment accepting faxed consumer loan applications from store locations statewide
Work closely with Loan Processors to assure decisions are made in a timely manner and delivered to store
Work with store associate to deliver exceptional customer service to Bank customer
Business degree or completed business courses a plus
Two years in a consumer loan environment with one year as an underwriter
Strong interpersonal skills with the ability to work in a team setting
Strong written and verbal communication skills with the ability to influence the attitudes and opinions of others
Multitasking with a ability to meet deadlines and solve problems in ambiguous situations
PC Literate with experience and proficiency in Microsoft Word, & Excel

Consumer Underwriter Resume Examples & Samples

Communicate and work with Sales and Processing to address, resolve, and improve file quality and customer experience. Including calling out all declines and counter-offers
Demonstrate a strong ability to analyze and calculate income. Types of Income include but are not limited to self-employed, rental, salaried, bonus, overtime, commission, social security income, Pension income, IRA income. Strong knowledge of federal tax returns and self-employed tax returns, 1120s, 1120, 1065, and K1s, complete a FNMA 1084 cash flow and or an Income calculation worksheet
Knowledge and ability to Manually Underwrite, understanding and applying Fannie Mae and Portfolio guidelines to manually underwritten loans. Clear understanding and calculations of Debt to Income and Loan to Value
A minimum of 3+ years underwriting in a residential mortgage environment
Excellent verbal and written communication skills with strong attention to detail
Excellent analytical and problem solving skills
Ability to handle competing priorities effectively and within established timeframes
Excellent interpersonal skills and positive attitude a must

Consumer Retail Underwriter Resume Examples & Samples

Serve as a resource for the branch network on loan underwriting processes and procedures, ensuring efficiencies of those processes and procedures
Provides timely underwriting review of loan files according to established service level agreements as verified by routine audit
Uses sound judgment in following loan policy guidelines when extending credit through consumer loans
Knowledge of software applications including word processing, spreadsheet, database and mainframe
Excellent customer relations experience

Consumer Unsecured Lending Underwriter Resume Examples & Samples

Minimum of 5 or more years underwriting required, unsecured loan and/or mortgage lending experience preferred
Automated Underwriting System experience required
Exceptional written and verbal communication skills
Bachelor's degree preferred or equivalent coursework and/or training in underwriting

Underwriter, Consumer Lending Operations Resume Examples & Samples

Bachelors or equivalent work experience with a Mortgage Lender or Financial Institution
5+ years of underwriting experience required in retail loan products
Well-organized, energetic, self-starter with strong research and analytical skills
Critical thinking skills
Solid PC navigation skills including MS Office application such as Office, Excel, Word, etc

Consumer Financial Underwriter Resume Examples & Samples

Maintains knowledge of all bank policies and compliance regulations as they relate to consumer direct Loan Officer’s function
Analyzes applications outside of Loan Officer’s lending limits and routes to appropriate loan personnel for concurrent loan decision
Underwrites larger dollar requests for home equity loan/line products. Communicates lending decisions to appropriate business unit
Thorough knowledge of Consumer/Commercial loan income analysis

Consumer Cross Sell Underwriter Manager Resume Examples & Samples

Manage the underwriters and processors in the cross sell area
Responsible for the underwriting quality of the cross sell portfolio
Provide expert knowledge and training to the team and department
Assist in underwriting cross sell applications from the mortgage division
Safe act registry required

Consumer Retail Underwriter Resume Examples & Samples

Uses sound judgment in following loan policy guidelines when extending or denying credit through consumer loans
Perform other job-related duties or special projects in support of department as assigned
Bachelor’s Degree in Business Administration or equivalent experience in related field
Decisive, accurate, detail oriented and discreet with confidential information
Self-starter with ability to work both with a team and independently
Proficient in Microsoft Office, especially Excel and have the ability to work with limited supervision, in a fast-paced atmosphere with frequent interruptions
Must work well under pressure, meeting multiple and sometimes conflicting deadlines

Consumer Unsecured Lending Underwriter Resume Examples & Samples

As a successful member of our team it will be critical to underwrite unsecured loans, including automated and manual portfolio, with strict attention to Reg B, ECOA, and FCRA
Ensure material information captured in the automated underwriting system is accurate at time of review
Demonstrate sound judgment in the analysis of required documetnation while mitigating organization risk through appropriate decision making
Meet or exceed productivity levels established by Management and credit quality standards set forth by CFG
Respond timely to quality control and audit reviews when requested. Provide superior customer service both to internal and external customers
Ensure Quality Assurance process is in place and adhered to prior to loan disbursement
Assist the Group Team Managers where necessary

Pledged Asset Line Consumer Underwriter Resume Examples & Samples

Sound credit analysis skills including the ability to respond to ad hoc requests
Strong written, oral, and interpersonal skills including the ability to explain / present your original analysis
The ability to work efficiently by meeting deadlines without sacrificing quality of product and services

Direct Consumer Underwriter Resume Examples & Samples

Approve, decline, or conditionally approve consumer loan application packages and provide supporting documentation
Perform analysis of the credit transaction by reviewing the credit score(s), credit quality of the personal credit bureau reports, debt ratios, collateral, structure, adjusted net worths, etc
Prepare loan recommendation for the Retail Second Review Committee
Ensure compliance with bank regulatory requirements
Interact with lenders and Community Bank Presidents to determine appropriate low and high side overrides
Assist Sr. Underwriter in reviewing loan decisions of junior underwriters
Advanced knowledge in consumer credit analysis and experience in consumer lending
Advanced knowledge in bank lending policies and consumer compliance regulatory requirements
Advanced knowledge of credit scoring principles and principles of finance
Knowledge of loan documentation and collateral perfection requirements
Computer skills
Interpersonal skills
4 year degree with 2 years underwriting experience or
High School diploma with 4 years underwriting experience

CVL Consumer Underwriter Resume Examples & Samples

Ability to adapt quickly to change without negative impact to performance and/or productivity
Strong organizational and time management skills to perform multiple tasks within limited time frames
Excellent analytic and problem-solving skills
Exhibit professional demeanor in all situations
Excellent interpersonal and communication skills, written and verbal
Solid knowledge of overall PC functionality in a Windows environment
Strong typing skills and ability to navigate multiple mainframe and web based systems
Strong phone skills with a proven track record of delighting customers
Customer-centric focus
Flexible, willing to learn and self-motivated
Will require good working knowledge of applications used to complete tasks

Consumer Eligibility Underwriter Resume Examples & Samples

Collects, reviews and analyzes information needed to underwrite new business and change requests for individuals and family medical policies
Identifies missing information and requests it from the applicant, sales representative, or broker as required
Understands basic requirements of Health Care Reform and other state mandate
Learns and applies standard underwriting guidelines and practices and seeks assistance on more complex cases when appropriate
Determines appropriate risk
Learns how to interpret standard report and special reports
Participates in miscellaneous projects
Handles inbound and outbound phone calls as required
Completes emails and priorities
Creates letters to request missing information and explain decision
Completes required workload on time and according to business needs
Must be able to multitask and learn all the different functions in the unit and be ready to assume a different role as needed
Must be dependable
Adheres to policies and procedures but able to escalate complex issues as integral to the work experience
Good communication skills - verbal and written. Ability to effectively present information and respond to questions
Experiencing in healthcare eligibility required
Self-starter, able to consistently perform at high production levels and prioritize workload

Consumer Lending Underwriter Resume Examples & Samples

Prior branch experience preferred
External candidates must possess 3 years in the consumer underwriting field
Proficient in MS Windows and Office (Word & Excel)
Proficient on Summit, Origins, Loan Hunter and Akcelerant
Proficient in English, both oral and written
Bilingual in any language, preferred but not required

Consumer Financial Underwriter Resume Examples & Samples

Ensures sound lending decisions on Wealth Management Mortgage/Consumer direct Loan applications through the review process of analyzing and evaluating income, assets, liabilities, and property, while maintaining designated time frames in accordance with the Bank's Loan Policies
Analyzes applications outside of loan officer's lending limits and routes to appropriate loan personnel for concurrent loan decision
Works with loan originators and processors to create solutions for problems that arise during the processing of a loan application
6-7 years experience in banking or finance company underwriting desired, with conventional mortgage, direct consumer loan, small commercial, mortgage and credit card underwriting experience preferred. One year of actual appraisal experience or formalized training from Institute classes (MAI) Society of Real Estate appraisals and/or MBD classes and/or on the job training
Comprehensive knowledge of Mortgage/Consumer Direct loan/line products, processing, servicing, and collections
Comprehensive knowledge of Mortgage/Consumer Direct lending laws and regulations, direct lending practices and applicable consumer lending laws, and banking regulations
Comprehensive knowledge of automated loan decision software preferred

Consumer Underwriter Resume Examples & Samples

Maximize portfolio revenue by practicing sound underwriting judgment and risk management principles
Limited travel will be required for this role. Requires flexibility in work schedule, evening hours and weekends may be required
HS diploma or equivalent required. Associate / Bachelor's degree in business related discipline preferred. 2 - 5 years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime) is needed. Prior leadership experience is needed
Excellent sales, negotiation, problem solving, and analyitical skills

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