Eric Troy
Cheyenne,WY
Summary
Experienced Credit Underwriter with a strong background in evaluating creditworthiness and risk assessment. Minimized financial losses through effective underwriting practices while mentoring teams to enhance efficiency and reduce application review time. Developed training materials and fostered collaboration across departments to ensure compliance and operational effectiveness.
Overview
6
6
years of professional experience
Work History
Lead Credit Underwriter
Global Payments
Jeffersonville, Indiana
07.2022 - Current
- Analyzed credit applications to assess risk and ensure compliance with company policies.
- Reviewed financial statements and credit reports, ensuring accurate determination of borrower eligibility.
- Utilized underwriting software to streamline the approval process and enhance accuracy.
- Prevented fraudulent applications through enhanced due diligence using
programs such as LexisNexis, GIACT, EKATA, Veriff, TruePic, and
MasterCard MATCH. - Communicated decisions clearly to clients and internal stakeholders throughout the process.
- Conducted detailed investigations into customer background, assets, liabilities, and other related matters.
- Assessed customer compliance with regulatory requirements such as Anti-Money Laundering policies.
- Mentored junior underwriters on best practices for risk assessment and decision-making.
- Conducted monthly audits of underwriting processes, identifying areas for enhancement and compliance.
- Collaborated closely with other departments such as legal, compliance, and operations.
- Prepared written summaries detailing rationale for approval or denial of merchant applications, facilitating informed decision-making.
- Collaborated with sales teams to evaluate customer needs and tailor financial solutions.
- Developed training materials for new hires on company underwriting standards and procedures.
- Researched emerging trends in the credit industry to identify new opportunities.
Personal Banker
WesBanco
New Albany, IN
07.2020 - 10.2020
- Sold loan and deposit products to customers, small business professionals, and various prospects. Sold nearly $650,000 in total loans in a few short months.
- Analyzed current customer relationships and proactively contacted customers with recommendations toward achieving financial success.
- Facilitated customer transactions by managing safety deposit boxes, opening accounts, processing credit products, and supporting teller line operations.
- Cultivated relationships with WesBanco partners and customers, driving sales growth.
Education
BS - Business Management, Entrepreneurship
Indiana University Southeast
New Albany, IN01-2022
Completed a two year program - bible curriculums, leadership curriculums
School of Ministry (Northside Christian Church)
New Albany, IN01-2021
Graduation Date -
Cheyenne East High School
Cheyenne, WY05-2016
Skills
- Loan underwriting
- Risk assessment
- Risk analysis
- Underwriting training
- Process Improvement
- Improvement methodology
- Statement reviews
- Microsoft office
- Leadership
- Team mentorship
- Effective communication
Hobbies and Interests
- Economics
- Strategy
- Operations
- Investing
- Law
- Finance
- Wrestling
Leadership Experience
- Northside Christian Church, New Albany, IN, The Return (College Age Ministry), 01/2017, 12/2021, Helped lead coed small groups in discussions and answering questions regarding sermons., Facilitated all set up of equipment such as chairs, music equipment, lighting, stage, curtains, chairs, tables, and outdoor items., Ran the lights during events and helped with the sounds booth.
- The Rising (Mentor to High School Students), Met with high school boys once a week to help them navigate high school in a productive manner., Attended the boy's athletic events to give encouragement and support., Helped young boys gain a strong identity and helped them begin rooting themselves in strong values, ethics, and hard work.
Accomplishments
- Dean's list every semester in college
Timeline
Lead Credit Underwriter
Global Payments
07.2022 - Current
Personal Banker
WesBanco
07.2020 - 10.2020
BS - Business Management, Entrepreneurship
Indiana University Southeast
Completed a two year program - bible curriculums, leadership curriculums
School of Ministry (Northside Christian Church)
Graduation Date -
Cheyenne East High School