Dylan Mawhinney
Nashville,TN
Summary
Top-performing Lending Manager offering excellent skills in building capable teams and overseeing underwriters, processors and business development representatives. Pursuing a similar position where a well-qualified individual with an understanding of regulatory compliance and auditing is highly sought. Forward-thinking, progressive and accomplished individual with understanding of consumer, commercial and residential loans.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Indirect & Consumer Lending Manager
Old Hickory Credit Union
Nashville, TN
05.2019 - Current
- Primary Underwriter for all Consumer Loans, Conventional Mortgages and Commercial & Investment Real Estate Loans.
- Responsible for leading and developing Indirect & Direct underwriting as well as the retail lending and processing teams.
- Required to counsel, train, educate, and hold staff accountable to Credit Union and department standards, including member service standards for response time and follow through.
- Analyze loan scenarios and guide staff in resolving difficult situations by determining most effective methods for maximizing benefit for both the member and Credit Union.
- Actively update and review consumer lending policies / procedures to comply with state and federal regulations.
- Point of contact for internal and external auditors and regulators. (State & NCUA) Helping to provide data, explanation, and confirmation of compliance with Credit Union lending requirements.
- Streamlining processes and eliminating unnecessary steps in lenders work flow while creating a team vision that includes member first vision & atmosphere as well as encouragement of cross department cohesion.
- Strong focus on strategic vision while maintaining thorough understanding of industry trends, innovations and member experiences in order to meet current and future member needs.
- Supervised team of eight processors, underwriters and business development representatives, promoting positive environment and instilling model of hard work and dedication.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Recruited, interviewed, hired and trained over fifteen employees and implemented mentoring program to promote positive feedback and engagement.
Senior Direct & Indirect Underwriter/ Administrative Specialist
Down East Credit Union
Baileyville, ME
09.2017 - 05.2019
- Team lead and trainer for Centralized Underwriting & Centralized Processing.
- Responsible for underwriting all consumer loans. (Direct / Indirect)
- Strong focus on profitability, growth and achieving department / branch goals for each location.
- Informed supervisors and company leaders on markets and regional sales needs to best meet member needs and maximize revenue.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Senior Indirect Underwriter
People's Choice Credit Union
Saco, ME
08.2016 - 09.2017
- Indirect underwriter with primary focus relationship building with all active dealerships.
- Monitored issues carefully and reached out to dealerships to provide immediate resolution and maintain satisfaction.
- Assisted department manager with policy and procedural enhancement.
- Acted as a support for funding team as well as a strong focus on team morale and culture advocate.
- Planned portfolio solutions after carefully analyzing dealerships financial health and future requirements.
- Assessed Member/ Dealership satisfaction throughout credit management process by soliciting feedback for growth and enhancement of program.
Loan Officer
Down East Credit Union
Bangor, ME
02.2015 - 08.2016
- Recommended loan approvals and denials based on member loan application reviews.
- Originated, reviewed, processed, closed and administered member loan proposals.
- Awarded Employee of the quarter service award after closing over and average of $400,000 in new business.
- Proactively identified solutions for members experiencing credit issues.
- Monitored pipelines to track and log status of loans.
- Created strategies to develop and expand existing member engagement, resulting in increase in annual sales.
Skills
- Strategy Development
- Business Relationship Management
- Risk & Compliance Assessment
- Cost Data Analysis
Certification
- (NAMU)®-CMMU (Certified Master Mortgage Underwriter)
- (NAMU)®-CCUP (Certified Commercial Underwriter & Processor)
- NMLS #1906793
Timeline
Indirect & Consumer Lending Manager
Old Hickory Credit Union
05.2019 - Current
Senior Direct & Indirect Underwriter/ Administrative Specialist
Down East Credit Union
09.2017 - 05.2019
Senior Indirect Underwriter
People's Choice Credit Union
08.2016 - 09.2017
Loan Officer
Down East Credit Union
02.2015 - 08.2016
- (NAMU)®-CMMU (Certified Master Mortgage Underwriter)
- (NAMU)®-CCUP (Certified Commercial Underwriter & Processor)
- NMLS #1906793
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