Jennifer Jurado
Carlsbad,California
Summary
Seasoned Senior Loan Underwriter with a comprehensive background in direct, indirect, home equity, real estate and exposure to small business lending. My 26 years of underwriting has demonstrated expertise in credit analysis and decision-making. I've significantly reduced risks and improved internal processes. My strong analytical skills and attention to detail have been pivotal in ensuring compliance and driving success.
Overview
26
26
years of professional experience
Work History
Senior Loan Underwriter
Frontwave Credit Union
01.2021 - Current
- Review borrowers ability to assume debt based on credit, ability to repay, collateral, and company, federal and state guidelines.
- Reviewed complex financial data such tax returns, rental income, self-employed income, and financial statements.
- Mentored junior underwriters, sharing expertise in assessing complex financial situations and loan applications.
- Participated in opportunities to improve internal processes and procedures.
- Saved the company from potential losses by identifying fraud during the the underwriting process.
- Participated in credit training along side the VP of Lending to lending staff and branch employees.
Senior Loan Underwriter
Southern California Edison Credit Union
02.2019 - 01.2021
- Improved loan processing efficiency by implementing new underwriting guidelines and procedures.
- Evaluated property appraisals for accuracy, ensuring appropriate collateral value for approved loans.
- Participated in quality control audits, identifying opportunities to improve internal processes for ongoing success.
Senior Loan Underwriter
Arrowhead Credit Union
11.1998 - 09.2018
- Improved loan processing efficiency by implementing new underwriting guidelines and procedures.
- Evaluated property appraisals for accuracy, ensuring appropriate collateral value for approved loans.
- Participated in quality control audits, identifying opportunities to improve internal processes for ongoing success.
- Ensured compliance with federal and state regulations through strict adherence to lending policies.
Education
General Education -
Chaffey College
Rancho CucamongaHigh School Diploma -
West Covina High School
West Covina, CA05.1990
Skills
Strong Decision-Making Abilities
Policy and Procedure Adherence
Advanced Analytical Skills
Credit analysis expertise
Income Verification Proficiency
Attention to Detail
Reliability
Excellent Communication
Organizational Skills
Decision-Making
Adaptability and Flexibility
Real estate knowledge
Accomplishments
Frontwave Credit Union, I was awarded Top Talent from Senior Management in 2022 and a Fraud Buster award from the Fraud Department.
Southern California Edison Credit Union, recognized with the following awards: Rising Star Award, Nominations for Employee of the year, Employee of the Month, and Employee of the quarter.
Arrowhead Credit Union, I received multiple customer services awards.
Timeline
Senior Loan Underwriter
Frontwave Credit Union
01.2021 - Current
Senior Loan Underwriter
Southern California Edison Credit Union
02.2019 - 01.2021
Senior Loan Underwriter
Arrowhead Credit Union
11.1998 - 09.2018
General Education -
Chaffey College
High School Diploma -
West Covina High School