Summary
Overview
Work History
Education
Skills
Timeline
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Honstine Carl

Huntingdon,Pennsylvania

Summary

I have a great deal of exp Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

Overview

46
46
years of professional experience

Work History

Part Time Deli Clerk

Weis
Huntingdon, PA
10.2023 - Current
  • Greeted customers in a friendly and professional manner.
  • Maintained cleanliness of the deli area and equipment.
  • Prepared all food orders according to customer specifications.
  • Ensured compliance with all local health department regulations regarding food preparation and storage procedures.
  • Worked collaboratively with other staff members to ensure efficient operation of the store operations during peak hours of business activity.
  • Offered suggestions for additional items that would complement customer's order selections.
  • Inspected labels on deli products to verify accuracy of pricing.

Mortgage Underwriter

Funding center of Georgia
Atlanta, GA
06.1998 - 06.2011
  • Reviewed and analyzed loan applications for completeness and accuracy.
  • Assessed risk levels associated with each loan application based on established criteria.
  • Calculated debt-to-income ratios to ensure compliance with industry standards.
  • Verified employment history and income of applicants.
  • Evaluated collateral properties to assess market value.
  • Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
  • Consulted with other departments regarding complex loan applications.
  • Prepared detailed underwriting reports for management review.
  • Determined whether or not to approve or deny a loan application in accordance with company guidelines.
  • Provided feedback and guidance to borrowers throughout the approval process.
  • Identified potential issues related to title, appraisals, insurance coverage.
  • Conducted due diligence reviews of loans prior to closing.
  • Issued clear written conditions for approval of mortgage loans.
  • Interpreted results from automated underwriting systems.
  • Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.
  • Developed relationships with external partners such as real estate agents and lenders.
  • Researched historical data related to property values in order to evaluate potential risks associated with a loan request.
  • Analyzed loan risk and reviewed loan conditions and requirements.
  • Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
  • Collaborated with loan originators and processors to correctly review and assess applications and risks.

Collections/Branch Manager/auditor NE US

Security Pacific Finance
San Diego
05.1978 - 01.1998
  • Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
  • Developed strategies to increase customer satisfaction and loyalty.
  • Managed staff scheduling, hiring and training processes.
  • Reviewed loan applications to ensure accuracy and compliance with regulations.
  • Conducted regular performance reviews for all employees in the branch.
  • Monitored financial performance of the branch on a monthly basis.
  • Implemented internal control procedures to minimize risk exposure and maximize profitability.
  • Provided guidance and support to team members regarding problem resolution and customer service issues.
  • Analyzed data to identify trends related to products, services, customers and markets served by the branch.
  • Maintained up-to-date knowledge of industry trends, competitive landscape and regulatory environment.
  • Resolved escalated customer complaints in a timely manner.
  • Established strong working relationships with external partners such as vendors and suppliers.
  • Coordinated promotional campaigns for new products or services in order to boost sales revenue.
  • Ensured compliance with established policies, procedures and regulations governing banking operations.
  • Created reports summarizing operational performance metrics for senior management review.
  • Identified opportunities for process improvement initiatives within the branch.
  • Performed regular audits of financial records in order to ensure accuracy.
  • Managed and inspired team members to perform to full potential, driving branch profitability.
  • Assigned duties to employees and examined work for accuracy, neatness and timeliness.
  • Verified cash by balancing cash drawers and maintaining cash count records.
  • Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
  • Grew business banking relationships through proactive outreach.
  • Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
  • Conducted reviews and evaluations for cost-reduction opportunities.
  • Created and updated financial reports on frequent basis to present information to leadership teams.

Education

Associate of Applied Science - Business Administration And Management

Central Penn College
Summerdale, PA
05-1978

Skills

  • Strong Work Ethic
  • Honesty and Integrity
  • Inventory Oversight
  • Effective customer communication

Timeline

Part Time Deli Clerk

Weis
10.2023 - Current

Mortgage Underwriter

Funding center of Georgia
06.1998 - 06.2011

Collections/Branch Manager/auditor NE US

Security Pacific Finance
05.1978 - 01.1998

Associate of Applied Science - Business Administration And Management

Central Penn College

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Honstine Carl