Aliah Gillette
Stone Mountain,GA
Overview
12
12
years of professional experience
Work History
Credit Analyst
Citibank, NA
02.2021 - Current
- Made decisions and recommendations about extending lines of credit.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Underwriter
Georgia Own Credit Union
05.2019 - 02.2021
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Made approval and denial recommendations by determining accurate risk levels.
Loan Verification Analyst
Wells Fargo
05.2013 - 08.2019
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Processed loan applications and monitored progress from start to finish.
- Negotiated loan terms and conditions with customers to secure best deal.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Compiled closing packages for drafting and presentation accuracy.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Assessed loan portfolios for compliance with underwriting policies.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
Collateral Analyst
Wells Fargo
05.2012 - 06.2014
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Reviewed and validated details of loan applications and closing documentation.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
Timeline
Credit Analyst
Citibank, NA
02.2021 - Current
Underwriter
Georgia Own Credit Union
05.2019 - 02.2021
Loan Verification Analyst
Wells Fargo
05.2013 - 08.2019
Collateral Analyst
Wells Fargo
05.2012 - 06.2014