Summary
Overview
Work History
Education
Skills
Accomplishments
Technical Skills and Platforms
Timeline
Generic

Edward Freeman

Lawrenceville,GA

Summary

  • Accomplished and innovative leader with a proven track record in driving high-performing consumer lending operations within financial institutions
  • Adept at developing and executing strategic initiatives that increase loan production, streamline operations, and elevate member satisfaction. These initiatives doubled the Credit Union’s loan portfolio in 5 years, while reducing lending errors from 56% to 6%.
  • Recognized for building results-driven teams and implementing digital solutions that create competitive advantages against large banks and fintechs

Overview

20
20
years of professional experience

Work History

Director of Underwriting/Loan Processing

Georgia United Credit Union
09.2019 - Current
  • Directed Consumer Lending operations for a $2+ Billion Credit Union, including origination, processing, and underwriting.
  • Coached and developed team members and lending peers
  • Monitored underwriting and funding processes, performance metrics, and lending experience
  • Directed underwriting and centralized processing portions of business plans
  • Evaluated financial risk and approve loans up to pre-approved lending limits
  • Developed creative solutions and strategies for underwriting and lending
  • Built relationships with branch leadership, lender network, and other stakeholders
  • Grew consumer loan portfolio through strategic planning and business development
  • Improved lending process efficiency and reduced risk
  • Assisted in the deployment of key digital lending platforms such as CuneXus, Clutch, and MeridianLink, which contributed to significant growth in digital loan volume and member engagement.
  • Directed cross-functional project to consolidate new accounts and loan origination into MeridianLink, improving application efficiency and speed-to-decision.
  • Initiated and expanded pre-approved lending through Clutch Fastlane, reducing friction in the borrowing process while improving conversion rates.

Financial Administrator

Saf-T-Co Supply Inc
11.2015 - 11.2019
  • Supervise inventory control and accounting functions
  • Prepare sales and use tax returns for the State of California
  • Manage accounts payable and invoices
  • Provide excellent customer service and increase sales revenue
  • Identified and corrected miscalculations and financial discrepancies to support quality assurance.
  • Monitored and compiled data and reports to present to leadership.
  • Collaborated with C-level executives and stakeholders to develop long-term financial plans.

Officer-Commercial Underwriter

MUFG Union Bank
05.2005 - 10.2015
  • Evaluate and analyze commercial loan packages
  • Determine borrower's creditworthiness and acceptability of properties
  • Analyze financial statements, tax returns, and credit reports
  • Provide support for banking initiatives and develop guidelines/procedures
  • Analyze existing deals to determine risk rates
  • Prepare LSRs for internal bank records
  • Contribute to customer retention levels
  • Oversee substandard loans and foreclosure processes
  • Gather documentation and coordinate foreclosure processes
  • Provide excellent customer service
  • Manage loan portfolio over $2B
  • Oversee loan modifications and documentation
  • Source new and profitable loans
  • Conduct property inspections
  • Coordinated operations with other emergency service groups.

Education

Bachelor of Arts - Business Administration

Vanguard University
Costa Mesa, CA
05-2005

Skills

  • Lending operations and risk management
  • Process improvement and efficiency
  • Team development and leadership
  • Strategic planning and business development
  • Excellent communication and interpersonal skills
  • Proficient in MS Office, including Word, Excel, and PowerPoint
  • Experience with Symitar and MeridianLink

Accomplishments

    Technology Implementation:

  • Collaborated with executive team to develop and implement MeridianLink, a lending platform that enhanced operational efficiency and improved member experience.
  • Created comprehensive Procedure Guide for Consumer Lending, ensuring seamless integration and adoption of MeridianLink across the organization.
  • Implemented WithClutch, a digital platform that streamlined consumer lending processes and improved member engagement.

    • Process Improvement:

  • Developed and implemented process improvements that increased efficiency, reduced costs, and enhanced member experience in consumer lending.
  • Utilized data and analytics to inform lending decisions and drive business growth.

    • Leadership:

  • Collaborated with cross-functional teams to drive business growth and improve member experience in consumer lending.
  • Provided leadership and guidance to consumer lending team, fostering a culture of innovation and excellence.

Technical Skills and Platforms

  • MeridianLink | CuneXus | Clutch | Symitar
  • Data Analytics & BI | Loan Origination Systems (LOS) | Process Automation
  • Digital Lending Strategy | Risk-Based Pricing | Compliance & Audit

Timeline

Director of Underwriting/Loan Processing

Georgia United Credit Union
09.2019 - Current

Financial Administrator

Saf-T-Co Supply Inc
11.2015 - 11.2019

Officer-Commercial Underwriter

MUFG Union Bank
05.2005 - 10.2015

Bachelor of Arts - Business Administration

Vanguard University

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