Emily Lien
Summary
Seasoned Banking and Private Wealth Underwriter with over 20 years of experience in mortgage, commercial, SBA, and private banking. Expertise in underwriting complex borrower profiles and structuring credit facilities while ensuring effective risk management. Proficient in credit policy and regulatory compliance, fostering collaboration across large financial institutions and innovative lending platforms.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Senior Underwriter
Tomo Mortgage
01.2025 - Current
- Conducted credit analysis of borrower financials, tax returns, and collateral to assess risk and structure residential and portfolio mortgage loans effectively.
- Ensured compliance with credit policy, investor guidelines, and regulatory requirements while collaborating with operations and product teams.
- Evaluated loan applications for compliance with underwriting guidelines.
- Analyzed financial documents to assess borrower risk profiles.
- Collaborated with mortgage brokers to clarify underwriting requirements.
Business Banking Underwriter II - AVP (SBA Lending)
Huntington Bank
01.2024 - 01.2025
- Underwrote and structured SBA and commercial credit facilities, enhancing access to financing for small businesses.
- Collaborated with Relationship Managers to create tailored business lending solutions, ensuring alignment with credit quality standards.
- Evaluated insurance applications for risk assessment and policy approval.
- Analyzed financial data to determine underwriting decisions and pricing strategies.
- Collaborated with agents to gather necessary documentation for policy evaluations.
Private Wealth Underwriter IV - AVP
U.S. Bank
01.2022 - 01.2024
- Structured and underwrote complex private wealth credit relationships, facilitating financing solutions for clients with needs up to $20MM.
- Analyzed personal and business financials, maintaining lending authority up to $3.5MM to support informed credit decisions.
- Evaluated loan applications for creditworthiness and risk assessment.
- Collaborated with sales teams to clarify underwriting guidelines and requirements.
- Analyzed financial documents to verify applicant income and assets.
Senior Underwriter
Better Mortgage
New York, New York
12.2020 - 03.2022
- Reviewed financial documents for accuracy, ensuring compliance with underwriting guidelines.
- Evaluated loan applications to determine creditworthiness and risk factors.
- Conducted thorough property evaluations to assess value, identifying marketability risks.
- Mentored junior underwriters, fostering skill development and elevating performance standards.
Commercial Credit Analyst IV
JPMorgan Chase
01.2020 - 01.2021
- Authored detailed credit memoranda and provided risk assessments to facilitate informed decisions by approval committees.
- Analyzed commercial borrower financials, loan structures, and cash flow to assess creditworthiness and inform lending decisions.
- Portfolio monitoring and covenant review involve tracking borrower compliance with financial ratios ( EBITDA, leverage) and reporting obligations to mitigate credit risk
Credit Underwriter III - Private Wealth
PNC Bank
01.2016 - 01.2020
- Achieved recognition as top performer for underwriting quality, consistency, and accuracy, contributing to overall team success.
- Underwrote private wealth loan requests up to $3MM.
- Analyzed financial statements, including balance sheets, income statements, and tax returns to evaluate cash flow and inform lending decisions.
- Reviewed property appraisals to determine value and marketability of collateral, enhancing risk assessment processes.
Consumer Loan Underwriter IV - Portfolio Lending
Wells Fargo Bank
01.2004 - 01.2016
- Underwrote high-balance residential and portfolio loans up to $2.5MM.
- Analyzed financial data, including income statements, balance sheets, and tax returns, to assess mortgage loan eligibility and mitigate risk.
- Led loan administration during 2007-2009 financial crisis; developed underwriting and compliance training programs to enhance team capabilities.
- Mentored junior underwriters on best practices and regulatory requirements, fostering a culture of compliance and excellence.
Education
Bachelor of Science - Business & Accounting
Minnesota State University
St. Cloud04-2026
Associate of Science - Business Transfer Program
Minneapolis Community and Technical College
Minneapolis, MNSkills
- Credit underwriting
- Mortgage underwriting
- Wealth credit underwriting
- SBA Lending
- Credit Analysis
- Financial Statement Analysis
- Risk Assessment
- Cash Flow Analysis
- Tax Return Analysis
- Mitigation Strategies
- Credit Policy
- Portfolio Monitoring
Certification
- US GAAP Certification, Ernst & Young Academy of Business, 2023
- Certificate in Commercial Credit (CICC), Moody's Analytics, 2022
- FHA Direct Endorsement, 2010
Timeline
Senior Underwriter
Tomo Mortgage
01.2025 - Current
Business Banking Underwriter II - AVP (SBA Lending)
Huntington Bank
01.2024 - 01.2025
Private Wealth Underwriter IV - AVP
U.S. Bank
01.2022 - 01.2024
Senior Underwriter
Better Mortgage
12.2020 - 03.2022
Commercial Credit Analyst IV
JPMorgan Chase
01.2020 - 01.2021
Credit Underwriter III - Private Wealth
PNC Bank
01.2016 - 01.2020
Consumer Loan Underwriter IV - Portfolio Lending
Wells Fargo Bank
01.2004 - 01.2016
Bachelor of Science - Business & Accounting
Minnesota State University
Associate of Science - Business Transfer Program
Minneapolis Community and Technical College