Courtney Marlatt
Panama City Beach
Summary
Detail-oriented Home Equity Underwriter with four years of specialized underwriting experience and ten years overall in financial services, including retail banking, management, and underwriting. Skilled in risk assessment, income analysis, credit evaluation, and regulatory compliance. Recognized for sound judgment, accuracy, and the ability to balance risk with customer satisfaction in mind.
Overview
7
7
years of professional experience
Work History
Home Equity Underwriter
PNC Bank
Remote
09.2021 - Current
- Underwrite home equity loans and lines of credit with a focus on income verification, debt to income ratios, collateral evaluation, and credit worthiness.
- Analyze complex financial documents including tax returns, pay stubs, investment statements to verify compliance with company policies and investor guidelines
- Collaborate with loan officers and processors to resolve conditions and accelerate approvals.
- Uphold average decision turnaround time in alignment with established SLAs while minimizing risk exposure.
- Ensure compliance with state, federal, and investor regulations.
Credit Card Underwriter
PNC Bank
Remote
03.2020 - 09.2021
- Evaluated and underwrote consumer credit card applications based on income, credit history, and risk factors.
- Communicated effectively with clients regarding application status and requirements.
- Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
- Managed workload to ensure timely and accurate processing of credit card applications.
Assistant Branch Manager
PNC Bank
Columbus
11.2018 - 03.2020
- Supervised daily branch operations, including staff management, customer service, and compliance adherence.
- Assisted with training and development of team members to drive sales performance and operational excellence.
- Supported branch manager in achieving sales and service goals, consistently exceeding performance targets.
- Fostered strong client relationships through consultative banking services, leading to increased customer retention and satisfaction.
- Ensured compliance with federal regulations and internal audit requirements.
Education
Business Management
Zane State University
Zanesville, OHSkills
- Risk assessment
- Income verification
- Compliance analysis
- Credit evaluation
- Financial documentation
- Attention to detail
Timeline
Home Equity Underwriter
PNC Bank
09.2021 - Current
Credit Card Underwriter
PNC Bank
03.2020 - 09.2021
Assistant Branch Manager
PNC Bank
11.2018 - 03.2020
Business Management
Zane State University