CUTRISA D. CUDJO
Chicago Hts,IL
Summary
A self-motivated and detail-oriented Loan Processor and Underwriter with special talent for building strong rapport and dynamic business relationships. Effective communicator with over 9 years of experience in the financial industry, successfully managing several projects simultaneously while executing performance well under pressure. Possesses strong analytical and risk assessment skills, with the ability excel working as part of a team or individually. Pursuing a career within a company where I can utilize my knowledge to assist with increasing company revenue and be provided the opportunity for grow from within.
Overview
10
10
years of professional experience
Work History
Lending Solutions Inc
Indirect Underwriter/Universal Underwriter
04.2014 - 10.2023
- Oversaw the underwriting of loan requests submitted by dealerships for autos, recreational, and commercial units in accordance with the banks/credit unions' underwriting procedures, policies, and industry regulations
- Analyze, and evaluate applicants' personal and financial information, credit reports, collateral evaluation, and other pertinent data necessary to determine creditworthiness and eligibility for request
- Keep current knowledge of loan products, services, pricing, promotions, and underwriting guidelines for over 40 banks and credit unions
- Assisted with decisions and seconds for other loan officers with restricted underwriting authority
- Developed and maintained business relations with dealer partners through open and professional communication while assisting with the dealer rehash support line
- Consistently met and exceeded department goals while working in a high-volume, fast-paced environment
- Facilitated in the development and training of new loan processors and underwriters by completing reviews on calls, completing application checks, and participating on the help desk queue
- Cross-trained in different internal systems and service positions to help meet coverage demands.
Consumer Loan Underwriter/ Mortgage Processor
Jun 2016
- Processed new applications, collecting, and verifying borrowers' income, credit history, and employment information
- Reviewed financial statements and analyzed credit reports and applicable ratios (Debt ratios, PTI, LTV) to ensure compliance, completeness, and accuracy before being submitted for review by underwriting
- Acquired proficiency in strong communication and inclusion with all departments to adhere to strict timelines for loans in the pipeline
- Leverage all available systems, tools, and skills to successfully book and fund loans, while mitigating risk to the bank/credit union and growing company revenue
- Conveyed loan decisions to applicants along with loan terms, conditions, and stipulations required to move forward to the next steps in the funding/closing process
- Offering credit enhancement tips or financial counsel alternatives when needed
- Mitigated regulatory risk by ensuring conformity of mortgage applications to mortgage lending guidelines and regulations.
Member Service Representative
April 2014
- Inbound member service support overseeing resolution to customer's inquiries, and concerns regarding accounts and loans financed with the credit unions/banks
- Processed and reviewed applicants for new accounts and verified membership eligibility
- Maintained knowledge of credit unions/bank products and services to assist customer needs and present cross-sell opportunities that can grow company revenue
- Utilized multiple systems and databases to carry out functions, and process payments, transfers, and deposits daily
- Acquired proficiency in critical thinking skills to understand customer needs and develop successful solutions
- Provided a high level of customer service by implementing strong telephone etiquette, knowledgeable friendly service, and a willingness to assist
- Consistently meet and exceed company quality and metric goals in a high-volume environment answering 30-40 calls daily.
Education
Bachelor's in Accounting
Governors State University
University Park, IL01.2026
High School Diploma -
Midwest Theological Institute
Chicago, IL2007
Skills
- Loan/Mortgage processing
- Data entry
- Customer service/support
- Credit analyst
- Account management
- General ledger and recordkeeping
- Decision making
- Loan underwriting
- Attention to detail
- Regulatory compliance
- Cudl, DealerTrack, RouteOne, Meridian
- Time management
- Microsoft Office
- Analytical/Critical thinking
- Fraud detection
Awardsandacknowledgements
- Received certificate of completion from the University of Lending in 2019
- Member of Governors State National Honor Society of Leadership and Success
Timeline
Lending Solutions Inc
Indirect Underwriter/Universal Underwriter
04.2014 - 10.2023
Consumer Loan Underwriter/ Mortgage Processor
Jun 2016
Member Service Representative
April 2014
Bachelor's in Accounting
Governors State University
High School Diploma -
Midwest Theological Institute
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