Jason O'Connor
St Clair Shores,MI
Summary
Commercial underwriter with 9+ years assessing creditworthiness and managing complex loan relationships. Produces accurate credit approval documentation and supports risk mitigation. Skilled in training junior staff to strengthen underwriting consistency.
Overview
1
1
Certification
10
10
years of professional experience
Work History
Portfolio Manager (Middle Market)
Fifth Third Bank / Comerica
Detroit, MI
09.2026 - Current
- Maintain portfolio of middle market customers for new and existing loan relationships.
- Conduct underwriting analysis to assess borrower eligibility and creditworthiness.
- Execute forward-looking risk analysis to identify potential financial challenges.
- Monitor borrower performance proactively to mitigate risk exposure.
- Assess loan structure to ensure within bank policy and guidelines.
Commercial Underwriting Officer (Business Banking)
Comerica Bank
Detroit, MI
09.2021 - 09.2026
- Maintained above-average pipeline of loan approvals for business banking groups with exposure typically between $2.5 million and $15 million, focusing on the most complex relationships in the portfolio.
- Reviewed financial statements to identify risks and assess creditworthiness.
- Prepared comprehensive credit approval documentation, consistently meeting deadlines with minimal revisions required.
- Evaluated loan requests against bank guidelines and risk tolerance criteria.
- Applied knowledge of bank credit policy to ensure compliance with loan structures.
- Acted as a resource for business partners regarding policy procedures and process inquiries.
- Trained and supported junior underwriters and new hires, enhancing their understanding of underwriting processes.
- Served as backup for the manager, overseeing workload assignments and attending relevant meetings.
- Took on additional tasks outside of normal workload such as procedure reviews and process task forces while continuing to maintain normal workload.
Commercial Underwriter (Private Banking)
Comerica Bank
Detroit, MI
06.2018 - 09.2021
- Analyzed financial statements to assess borrower creditworthiness and repayment capacity.
- Collaborated with loan officers to streamline documentation collection for underwriting processes.
- Mentored junior underwriters on best practices and compliance standards, enhancing team competency in underwriting.
- Produced high-quality approval documents, reducing rework and improving processing time.
Senior Credit Support Specialist
Comerica Bank
Detroit, MI
03.2017 - 06.2018
- Assisted the underwriting team in the loan approval process by preparing financial spreads and drafting necessary documentation.
- Monitored covenant compliance and financial statement accuracy throughout review cycles.
- Completed annual risk rating reviews for non-complex relationships, ensuring thorough assessment of credit risk.
- Supported manager in optimizing workload queues and team assignments to enhance operational efficiency.
Education
BBA - Accounting
Walsh College
Troy, MI09-2016
Associate of Applied Science - Business Administration, Accounting
Macomb Community College
Warren, MI05-2012
Skills
- Risk evaluation and credit analysis
- Microsoft Word, Excel, and PowerPoint proficiency
- Detail-oriented approach
- Team leadership
- Collaborative teamwork
- Adaptability
Certification
- Commercial Credit Program Certification of Completion - Comerica Bank - Sept 2018
Timeline
Portfolio Manager (Middle Market)
Fifth Third Bank / Comerica
09.2026 - Current
Commercial Underwriting Officer (Business Banking)
Comerica Bank
09.2021 - 09.2026
Commercial Underwriter (Private Banking)
Comerica Bank
06.2018 - 09.2021
Senior Credit Support Specialist
Comerica Bank
03.2017 - 06.2018
BBA - Accounting
Walsh College
Associate of Applied Science - Business Administration, Accounting
Macomb Community College