Faith Barstow
Credit & Financial Analyst | Underwriting Specialist
Woodburn,Oregon
Summary
Dedicated and results-driven lending professional with 5+ years of experience in consumer underwriting, credit analysis, and member relationship management. Recognized for exceptional performance, peer-nominated honors, and a passion for leadership and training. Adept at evaluating creditworthiness, mitigating risk, and building trust with members. Seeking a role in underwriting or financial analysis where insight and precision is valued.
Overview
7
7
years of professional experience
Work History
Consumer Lending Underwriter
OnPoint Community Credit Union
09.2022 - 06.2025
- Exercised advanced lending authority to underwrite complex and high-dollar consumer and small business loan applications.
- Analyzed credit, income (including self-employed, rental, and corporate), and collateral documentation to make sound, policy-compliant decisions.
- Collaborated with internal teams to gather information and support cross-functional lending operations.
- Served as a trusted resource for front-line lenders, offering guidance on loan structuring and underwriting standards.
- Led and participated in process improvement initiatives and risk mitigation projects across the lending department.
- Contributed to a successful core conversion project, including testing and validating system functionality for lending workflows.
- Delivered timely loan decisions and communicated outcomes clearly, including denials, counteroffers, and recommendations.
- Proficient in DNA, MeridianLink, and XP2 systems; leveraged technical expertise to streamline workflows and improve decision-making.
- Maintained deep knowledge of consumer and small business loan products, credit union policies, and regulatory requirements.
Indirect Consumer Loan Officer
OnPoint Community Credit Union
02.2022 - 09.2022
- Processed and underwrote consumer loan applications submitted via online and phone channels, ensuring accuracy and compliance with lending policies.
- Independently approved loans within assigned authority limits; collaborated with senior underwriters on more complex applications.
- Reviewed credit reports, income verification, and other supporting documentation to assess borrower risk and determine loan eligibility.
- Maintained consistent communication with dealers, members, and internal teams to facilitate timely decisions and funding.
- Delivered excellent service in a fast-paced remote environment, balancing efficiency with attention to detail.
- Contributed to ongoing improvements in loan workflow processes and member experience.
Consumer Loan Officer
OnPoint Community Credit Union
08.2020 - 02.2022
- Delivered personalized service while supporting branch operations and maintaining a strong member-first approach.
- Opened and maintained consumer and business accounts, including loans, IRAs, CDs, and fiduciary accounts.
- Supported lending efforts by processing applications, submitting documentation, and conducting loan maintenance.
- Conducted outbound calls to retain and grow lending and deposit relationships.
- Identified member needs through active listening and recommended appropriate financial solutions.
- Collaborated with off-site teams to resolve issues, complete forms, and assist with loan signings.
- Promoted products and services through relationship-building and cross-selling opportunities.
Teller/Peer Mentor
OnPoint Community Credit Union
12.2018 - 08.2020
- Managed cash operations and mentored junior tellers, ensuring compliance with daily transaction limits and fraud controls.
- Provided friendly, personalized service and built rapport with members.
- Cross-trained on account services and lending referrals, helping customers meet financial goals.
- Maintained perfect audit scores and was recognized for reliability and attention to detail.
- Handled daily financial transactions and ensured accurate cash drawer balancing.
- Assisted with lobby flow to maintain a welcoming, efficient environment.
Education
High School -
Lake Oswego High School
05.2016
Skills
- Consumer Lending & Underwriting
- Credit Risk & Financial Analysis
- Member Relationship Management
- Compliance & Fraud Prevention
- Underwriting guidelines
- Risk management strategies
Websites
Professional Attributes
- Empathetic communicator
- Detail-oriented thinker
- Analytical & intuitive
- Thrives in remote work settings
- Adaptable and proactive
Awards
- OnPoint Honor Society – Recognized for outstanding service and peer impact
- Leadership Courses (OnPoint) – Completed internal leadership development track
Timeline
Consumer Lending Underwriter
OnPoint Community Credit Union
09.2022 - 06.2025
Indirect Consumer Loan Officer
OnPoint Community Credit Union
02.2022 - 09.2022
Consumer Loan Officer
OnPoint Community Credit Union
08.2020 - 02.2022
Teller/Peer Mentor
OnPoint Community Credit Union
12.2018 - 08.2020
High School -
Lake Oswego High School
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