JAYMI BORTELL
Concord
Summary
Results-driven underwriter with a proven track record in delivering exceptional loan and credit analysis, ensuring accuracy and compliance for optimal risk assessment and decision-making. Expertise in collaborating within dynamic banking environments and excelling in independent roles. Recent graduate of Leadership Jackson, facilitated by the Chamber of Commerce in Jackson County, and an Emerging Leaders graduate, showing a commitment to professional development and community engagement.
Overview
14
14
years of professional experience
Work History
Consumer Lending Underwriter
American 1 Credit Union
Jackson, MI
09.2018 - Current
- Achieved high approval rates for lending applications across diverse loan types, including home equities, autos, and credit cards. Drove auto loan approvals to an average of one million dollars weekly through effective application reviews. Enhanced collaboration with personal bankers to streamline document assessments for informed approval or denial decisions. Facilitated title work for collateral loans, ensuring accurate lien placements and releases. Delivered comprehensive reports to highlight daily and monthly loan growth metrics for the lending department as well as monthly rate reviews and other excel reporting. Strengthened personal bankers' capabilities in credit report interpretation and income analysis through targeted training initiatives.
Loan Counselor
5/3 Bank
Grand Rapids, MI
01.2018 - 09.2018
- Achieved successful loan modifications for members by effectively lowering interest rates and principal amounts based on individual financial assessments. Analyzed credit files and income documentation to establish income ratios. Enabled members to retain vehicles by providing tailored financial solutions that addressed payment challenges.
Loss Mitigation Specialist
5/3 Bank
Grand Rapids, MI
03.2017 - 01.2018
- Led initiatives to support members facing financial difficulties by coordinating payment deferrals. Guided millions of customers through the payment deferral process during Hurricane Harvey, ensuring proper documentation was completed. Collaborated with management to identify strategies for team growth and efficiency while training new staff members.
Collections Specialist
5/3 Bank
Grand Rapids, MI
01.2016 - 03.2017
- Collaborated with members to develop solutions for account management and maintenance. Achieved top 5 ranking in call volume and collections. Assisted charge-off prevention team by skip tracing customers and coordinating with repossession teams to recover payments on accounts 90-120 days delinquent. Supported training initiatives by leading training sessions and partnering with HR for onboarding new hires.
Assistant Manager
Approved Cash Advance
Albion, MI
03.2012 - 12.2015
- Assisted customers in applying for cash advance loans. Reviewed financial documents and bank statements to determine eligible loan amounts. Collaborated with customers to facilitate loan repayment. Utilized collections skills to recover outstanding debts. Became proficient in completing court documents and worked closely with customers to maintain a record of no bad debt. Contributed to training new managers for other branches as the designated training store. Developed expertise in reading and processing tax returns while managing deposits and withdrawals with the local bank.
Education
High School Diploma -
Western High School
Parma, MISkills
- Analyzing credit files through multiple credit bureau's
- Processing and mailing out adverse action letters
- Customer service/help desk/training
- Cash handling
- Excel
- Verifying and analyzing all forms of income
- Home equity underwriting
- Schedules
- Opening and closing loans
- Title processing with the state of michigan and others
- Creating and updating procedures, policies and guidelines
- Audit
Accomplishments
2025 Leadership Jackson Graduate -facilitated by Jackson County Chamber of Commerce.
2024 Emerging Leaders Graduate-facilitated by American One Credit Union.
Timeline
Consumer Lending Underwriter
American 1 Credit Union
09.2018 - Current
Loan Counselor
5/3 Bank
01.2018 - 09.2018
Loss Mitigation Specialist
5/3 Bank
03.2017 - 01.2018
Collections Specialist
5/3 Bank
01.2016 - 03.2017
Assistant Manager
Approved Cash Advance
03.2012 - 12.2015
High School Diploma -
Western High School