Jennifer Zimmerman
Temperance,MI
Summary
Underwriter known for high productivity and efficient task completion. Specialize in strategic planning, risk management, and team leadership. Excels in communication, problem-solving, and adaptability, ensuring successful project outcomes and operational improvements.
Overview
27
27
years of professional experience
Work History
AVP - Commercial Underwriting - Commercial Development Investing
Comerica
Detroit, MI
01.2020 - Current
- Independently prepared and updated documentation for LIHTC underwriting.
- Reconciled general ledger balances to ensure accuracy.
- Analyzed inconsistencies in customer data, including financial documents and projections.
- Assisted in developing and implementing new technology solutions within the department.
- Acquired skills to write SQL reports; currently learning BI/Tableau and Python.
AVP Commercial Loan Underwriter
Comerica
Detroit, MI
08.2018 - 01.2020
- Independently updated RECAP documentation for complex requests and larger projects.
- Prepared collateral charts, cash flows, risk ratings, and essential attachments.
- Analyzed customer data to identify inconsistencies in spreads, agings, and projections.
- Recommended controls and covenant structures for new credit requests.
- Mentored underwriting and CSC teams to enhance skill development.
Senior Credit Analyst
State Bank and Trust
07.2010 - 12.2017
- Analyzed data to provide senior management with actionable recommendations.
- Evaluated returns and identified risks in residential development loan opportunities.
- Structured new business loans to enhance portfolio growth in San Francisco market.
- Conducted revenue and margin analysis to support strategic decision-making.
Tax Return Analyst
Internal Revenue Service
04.2010 - 06.2010
- Reviewed and rectified personal tax returns submitted to IRS.
Senior Underwriting / Portfolio Manager
High Trust Bank
08.2008 - 03.2010
- Structured Loan Review Policy and designed forms for efficient loan review processes.
- Coordinated activities of Junior Analysts and Loan Officers, ensuring compliance during bank reviews.
- Collaborated with external auditors and FDIC representatives to facilitate thorough evaluations.
- Provided guidance to loan officers on profitable underwriting practices for loans.
- Recommended credit analysis enhancements to upper management for improved decision-making.
- Redesigned construction loan underwriting and closing procedures for consistency.
- Ensured compliance with procedural standards for all loans and timely distribution of funds.
- Assisted in restructuring file organization and managing disbursements for projects.
Senior Underwriter
Republic Bank of Georgia
07.2007 - 03.2008
- Oversaw underwriting for loans related to A&D, construction, and C&I, ensuring profitability for the bank.
- Collaborated with loan officers to develop effective underwriting strategies for various loan types.
- Redesigned construction loan underwriting and closing processes to enhance efficiency and consistency.
- Ensured adherence to standardized procedures and timely distribution of loan funds.
- Contributed to portfolio growth exceeding $100 million through strategic lender partnerships.
- Reviewed existing loans for compliance with documentation and appraisal criteria established by the board.
- Managed classification of loans designated for sale to FHLB, optimizing asset management.
AVP/Portfolio Analyst
Crescent Bank and Trust
10.2004 - 07.2007
- Analyzed loans for A&D, residential and commercial properties, and C&I loans exceeding $1.5 million.
- Collaborated with loan officers to optimize underwriting processes for profitability.
- Redesigned underwriting forms for improved usability and comprehensive information capture.
- Reviewed existing loan files to ensure compliance with documentation requirements.
- Verified appraisals aligned with board-approved criteria for funded projects.
Senior Credit Analyst
Nexity Bank
05.2002 - 10.2004
Credit Analyst
NBank
04.2000 - 05.2002
Credit Analyst
Monroe Bank and Trust
07.1999 - 05.2000
Education
Bachelor of Arts - Finance
University of Toledo
OH08.1998
Skills
- LIHTC underwriting
- SQL reporting
- Risk analysis
- Financial documentation
- Technology implementation
- Data analysis
- Portfolio management
- Credit assessment
- Database development
- Attention to detail
- Effective communication
- Problem solving
- Process optimization
Timeline
AVP - Commercial Underwriting - Commercial Development Investing
Comerica
01.2020 - Current
AVP Commercial Loan Underwriter
Comerica
08.2018 - 01.2020
Senior Credit Analyst
State Bank and Trust
07.2010 - 12.2017
Tax Return Analyst
Internal Revenue Service
04.2010 - 06.2010
Senior Underwriting / Portfolio Manager
High Trust Bank
08.2008 - 03.2010
Senior Underwriter
Republic Bank of Georgia
07.2007 - 03.2008
AVP/Portfolio Analyst
Crescent Bank and Trust
10.2004 - 07.2007
Senior Credit Analyst
Nexity Bank
05.2002 - 10.2004
Credit Analyst
NBank
04.2000 - 05.2002
Credit Analyst
Monroe Bank and Trust
07.1999 - 05.2000
Bachelor of Arts - Finance
University of Toledo