Denise Montague

Charged with underwriting existing and new commercial loan requests. Assignments included analysis of corporate tax returns, internal and CPA prepared financial statements, personal financial statements, company aging and backlog reports, with full write-ups and credit presentations. Also was charged with the ongoing maintenance of financial updates and appraisal reviews.

• Made approval and denial recommendations by determining accurate risk levels.
• Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
• Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
• Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
• Increased customer satisfaction through timely communication and efficient handling of loan applications.
• Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.
• Ensured compliance with regulatory requirements through diligent monitoring of industry changes and updating internal policies accordingly.
• Assisted in developing training materials used to educate new hires on essential job functions, contributing to their successful onboarding and integration into the team.
• Negotiated favorable terms with reinsurers, resulting in improved coverage options at lower costs for clients.
• Conducted ongoing market research to identify trends, enabling the company to adjust its product offerings as needed.
• Spearheaded initiatives aimed at streamlining workflows between departments, leading to increased collaboration and efficiency across the organization.
• Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
• Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
• Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
• Calculated group and individual renewal rates based on customers' background, industry and demographic information.
• Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
• Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
• Achieved faster turnaround times in application processing by optimizing workflows within the underwriting department.
• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
• Streamlined underwriting processes by creating standardized templates for evaluating applicant qualifications.
• Supported review, acceptance, or denial of new or renewal business after carefully reviewing all information.
• Supported review and acceptance or denial of new or renewal business.
• Examined credit reports, financial statements and tax returns to determine repayment capability.
• Managed a portfolio of high-risk clients, implementing tailored underwriting guidelines to minimize losses while maintaining growth opportunities.
• Participated in industry conferences and events, staying current on emerging trends and expanding professional network connections.
• Ascertained application viability by verifying collateral values, title reports and appraisals.
• Responsible for underwriting with Heavy C&I background and guidelines
• Utilized Investor Guidelines for risk to any Multifamily property /Commercial Property
• Review Commercial and Business Bank statements and Other Financial Investment documents /Assets
• Reviewed Title , Commerical Insurance Documents and Escrow info for accuracy
• Coordinated with other departments to obtain a 98% QC rating
• Review Credit and income, MCA documentation
• Reviewed Tax Returns w/ all Schedules along with white paper detail and IRS Transcripts

Position commenced with the centralization of commercial loan underwriting for Upland, Victorville, and Coronal, CA offices as VP Senior Credit Analyst. Assistant to the Chief Credit Officer and Senior Credit Administrator. Participated in Director's Loan Committee. Assisted the SVP of Special Assets. Last assignment was as Appraisal and Environmental Manager for all commercial real estate loans. Completing analysis on Multi family and commercial properties

• Effectively managed a diverse portfolio of clients, balancing workload priorities to meet tight deadlines without sacrificing quality.
• Contributed to company growth by maintaining strong relationships with brokers, ensuring a steady flow of new business opportunities.
• Established trust with brokers through transparent communication about underwriting decisions and rationale behind them.
• Participated in ongoing professional development opportunities to remain current on best practices within the commercial underwriting field.
• Leveraged data analysis tools to predict future losses more accurately, enabling better-informed decision-making regarding premium rates.
• Reduced claims payouts by proactively identifying potential risks and recommending mitigation measures.
• Assisted in the development of underwriting guidelines, providing clear direction for assessing commercial risks.
• Streamlined underwriting processes for increased efficiency and accuracy in evaluating insurance applications.

• Evaluated client needs and expectations, establishing clear goals for each consulting engagement.
• Managed multiple deadlines across several businesses to meet dynamic needs of multiple clients.
• Mentored junior consultants, fostering professional growth and building strong team dynamics.
• Streamlined internal processes to enhance team efficiency and improve overall project outcomes.
• Reviewed Corporate signature documentation
• Frank Dodd Regulatory Guidelines, Reg B, C,X ECOA

Asset based lender charged with collateral tracking and analysis of a portfolio of commercial account relationships with aggregate loan commitment of $80 million. Responsible for determining monthly borrowing bases and approving all monetary transactions.

• Improved loss ratios through diligent monitoring of policyholder accounts and timely adjustments when necessary.
• Developed tailored coverage solutions for unique client needs, demonstrating expertise in multiple industries and product lines.
• Analyzed various financial statements to accurately assess the creditworthiness of potential clients.
• Maximized revenue generation by detecting fraudulent activity and implementing preventative measures accordingly.
• Established trust with brokers through transparent communication about underwriting decisions and rationale behind them.
• Reviewed Policy and Procedured and stayed within Regulatory Guides