Elizabeth Reynolds
Easley,SC
Work Preference
Summary
Proven Senior Consumer Loan Underwriter with expertise in loan underwriting, risk assessment, and regulatory compliance. Developed strategies to enhance loan portfolio performance while minimizing risk exposure.
Overview
16
16
years of professional experience
Work History
Senior Consumer Loan Underwriter
Renasant Bank
Remote, SC
08.2025 - Current
- :
- Evaluated consumer loan applications for creditworthiness and risk.
- Assessed risk factors associated with loans including applicant's debt-to-income ratio and capacity to repay the loan.
- Analyzed financial statements to determine borrower repayment ability and reliability.
- Collaborated with loan officers to clarify borrower information and underwriting requirements, enhancing application accuracy.
- Streamlined application processing and decision-making by effectively utilizing underwriting software.
- Mitigated regulatory risks by evaluating loans in accordance with guidelines and regulations.
- Developed strategies to minimize risks associated with lending activities while maximizing profitability for the organization.
- Provided guidance to internal staff on complex underwriting questions or issues related to consumer loans.
- Analyzed data to identify process improvements in underwriting, contributing to more efficient workflows.
Consumer Loan Underwriter Lead
The First Bank
Remote, SC
04.2023 - 08.2025
- Analyzed loan requests to assess risk and ensure creditworthiness.
- Reviewed customer financial information, such as income, assets, and liabilities, to assess creditworthiness.
- Guided team members in compliance with lending regulations and policies.
- Developed risk mitigation strategies through contract negotiations, enhancing overall compliance.
- Assisted in creating internal control systems, reducing risk and streamlining operational processes.
- Contributed to root cause evaluations, identifying risks and implementing continuous improvement initiatives.
- Managed documentation and ensured all approvals were properly recorded and filed.
Consumer Loan Manager
Heritage Southeast Bank
Hinesville, GA
11.2019 - 04.2023
- Guided team members in compliance with lending regulations and policies.
- Developed strategies that optimized consumer loan portfolio performance and minimized risk exposure.
- Monitored compliance with laws and regulations during the approval process.
- Collaborated with other departments within the bank to develop new processes that improved efficiency in managing the consumer loan portfolio.
- Evaluated customer account histories to identify areas of improvement in underwriting standards.
- Coordinated meetings with senior management and external stakeholders to address policy changes impacting consumer lending.
- Coordinated with underwriting and compliance teams to streamline loan documentation processes.
- Managed loan processing workflows to ensure timely approvals and disbursements.
- Oversaw team of loan specialists, providing guidance and training to enhance adherence to best practices.
- Developed and implemented operational policies to enhance loan processing efficiency.
- Analyzed loan applications for completeness and adherence to company guidelines.
- Performed detailed reviews of completed loans prior to submission to ensure accuracy of documentation.
- Coordinated with credit analysts and underwriters to review customer loan applications for accuracy and completeness.
- Ensured adherence to applicable state laws pertaining to consumer lending practices.
- Analyzed financial data from applicants to determine creditworthiness and risk level associated with each loan application.
- Oversaw the development of policies and procedures related to loan processing activities.
- Ensured accurate month-end and year-end financial reporting, kept records audit-ready and monitored timely recording of accounting transactions.
- Conducted unit testing and system integration testing of developed components before deployment.
- Performed system integration testing with various hardware components.
Construction Draw Administrator
Ameris Bank
Pooler, Georgia
10.2015 - 11.2019
- Reviewed plans and specifications pre-construction to ensure project readiness and compliance.
- Verified draw schedules to ensure adherence to financial compliance standards.
- Tracked project budgets and expenses during construction to uphold financial integrity.
- Make sure that builders received funds in a timely manner.
- Checked all necessary approvals and client equity before fund disbursement
- created budgets and mitigated risk to the bank.
- Maintained approved builder list, by reviewing references.
- Scheduled property inspections with relevant authorities
Personal Banker
Bank Of America, N.A.
Hinesville, GA
07.2010 - 10.2015
- Processed loan applications and guided clients through approval steps.
- Provided financial advice on products and services.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Educated clients on online banking features and security measures.
- Encouraged clients to utilize various bank services for better financial management, enhancing customer engagement and retention.
- Resolved customer complaints, achieving satisfaction standards and fostering trust.
- Built strong rapport with new and existing clients, addressing financial needs and strengthening branch loyalty.
- Collaborated with team to enhance customer service strategies.
- Followed operational standards, promoting security, risk management and compliance.
Education
Bachelor of Arts - History
Armstrong Atlantic State University
Savannah, GA12-2009
Skills
- Loan underwriting
- Credit evaluation
- Risk assessment
- Financial analysis
- Regulatory compliance
- Compliance auditing
- Loan documentation
- Loan origination
- Risk mitigation
- Process improvement
- Workflow optimization
- Cross-departmental collaboration
- Documentation review
- Communication skills
Timeline
Senior Consumer Loan Underwriter
Renasant Bank
08.2025 - Current
Consumer Loan Underwriter Lead
The First Bank
04.2023 - 08.2025
Consumer Loan Manager
Heritage Southeast Bank
11.2019 - 04.2023
Construction Draw Administrator
Ameris Bank
10.2015 - 11.2019
Personal Banker
Bank Of America, N.A.
07.2010 - 10.2015
Bachelor of Arts - History
Armstrong Atlantic State University