Haley Penhorwood
Delaware,OH
Overview
4
4
years of professional experience
Work History
HELOC Underwriter
Upstart
Columbus, OH
08.2024 - Current
- Investigated suspicious transactions, identified potential fraud patterns, and reported findings to the management team.
- Evaluated collateral properties to assess market value.
- Determined whether or not to approve or deny a loan application in accordance with company guidelines.
- Identified potential issues related to title, appraisals, insurance coverage.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
Senior Commercial Underwriter
BHG Financial
Delaware, OH
07.2024 - 08.2024
- Reviewed and evaluated loan applications to determine risk exposure and appropriate terms for credit approval.
- Analyzed financial statements and tax returns for accuracy, completeness, and consistency.
- Provided mentorship and training to junior credit analysts on financial analysis
- Identified patterns of suspicious behavior through data analysis and reporting.
Commercial Underwriter
BHG Financial
Delaware, Ohio
08.2022 - 07.2024
- Reviewed and evaluated commercial loan applications to determine credit worthiness.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Evaluated requests for new loans or line increases based on established criteria.
Credit Analyst
Upstart
Columbus, OH
01.2021 - 07.2022
- Reviewed customer applications for an auto refinance loan, ensuring they meet the eligibility requirements.
- Analyzed financial statements and credit reports to assess the creditworthiness of borrowers.
Store Manager
Verizon Gowireless
Powell, OH
12.2020 - 05.2021
- Conducted daily store operations, including opening and closing procedures and cash handling.
- Established customer service standards and monitored staff compliance.
- Provided technical support for customers when needed, answering questions about product features and capabilities.
- Resolved customer complaints regarding sales and service.
- Created and presented monthly reports to management on sales performance.
Sales Associate
Verizon Gowireless
Powell, OH
07.2020 - 12.2020
- Greeted customers and provided exceptional customer service.
- Processed transactions using a point-of-sale system.
- Built relationships with customers to encourage repeat business.
- Helped customers find specific products, answered questions, and offered product advice.
Education
Associate of Applied Science - Accounting
Columbus State Community College
Columbus, OH05-2026
Skills
- Managing risk
- Renewing policies
- Negotiation proficiency
- Analyzing data
- Credit decision making
- Financial Analysis
Timeline
HELOC Underwriter
Upstart
08.2024 - Current
Senior Commercial Underwriter
BHG Financial
07.2024 - 08.2024
Commercial Underwriter
BHG Financial
08.2022 - 07.2024
Credit Analyst
Upstart
01.2021 - 07.2022
Store Manager
Verizon Gowireless
12.2020 - 05.2021
Sales Associate
Verizon Gowireless
07.2020 - 12.2020
Associate of Applied Science - Accounting
Columbus State Community College
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