Jada Brock
Evansville,IN
Summary
Experienced lending and underwriting professional knowledgeable about consumer loans for property such as automobiles, RVs and boats as well as personal loans, lines of credit and credit cards. Highly organized and detail-oriented with excellent problem-solving and critical thinking skills.
Overview
17
17
years of professional experience
Work History
Consumer Loan Underwriter
Liberty Federal Credit Union
12.2020 - Current
- Studied applicant profiles and credit histories while identifying loan approval contingencies to deliver efficient lending decisions.
- Balanced workload efficiently while meeting tight deadlines for loan processing, maintaining high standards of accuracy throughout all stages of underwriting.
- Contributed to ongoing improvements in underwriting procedures by participating in team meetings and providing insightful suggestions for process enhancements.
- Maintained a low default rate through careful evaluation of potential borrowers and adherence to strict underwriting guidelines.
- Collaborated with loan officers to provide timely feedback on applications, expediting the approval process for qualified candidates.
- Identified opportunities for cross-selling additional products or services based on customer needs during the application process.
- Approved, declined, or counter-offered loans up to $100,000 by determining accurate risk levels.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Reduced company losses by identifying potential risks and fraudulent loan applications.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
Direct Loan Officer
Liberty Federal Credit Union
06.2014 - 12.2020
- Educated members on variety of loan products and available credit options to promote valuable decision-making
- Processed loan applications taken both over the phone on online
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan
- Fielded incoming phone calls from members and directed to corresponding department or individual for assistance
- Delivered prompt, accurate and excellent customer service
Teller
People's Trust And Savings Bank
03.2008 - 05.2012
- Researched and resolved customer issues on personal savings, checking and lines of credit accounts
- Promoted facility security by monitoring customer behaviors and following established protocols to protect individuals and assets
- Offered every customer exceptional service levels by remaining friendly and professional during every transaction
- Adhered to financial services security and audit procedures.
- Recommended additional products, services and benefits for customers
- Examined checks for identification and endorsement
- Kept an accurate teller drawer to handle all customer bank transactions
Education
Some College (No Degree) - Photography
Ivy Tech Community College of Indiana
Evansville, INHigh School Diploma -
Boonville High School
Boonville, IN2005
Skills
- Time management skills
- Knowledge of consumer loan process
- Organization
- Knowledge of consumer underwriting guidelines
- Analyzing data
- Documentation Review
- Risk Assessment
- Quality Assurance
- Credit analysis
- Application Review
Timeline
Consumer Loan Underwriter
Liberty Federal Credit Union
12.2020 - Current
Direct Loan Officer
Liberty Federal Credit Union
06.2014 - 12.2020
Teller
People's Trust And Savings Bank
03.2008 - 05.2012
Some College (No Degree) - Photography
Ivy Tech Community College of Indiana
High School Diploma -
Boonville High School