Jessica Johnston
Gig Harbor,WA
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
14
14
years of professional experience
Work History
Credit Underwriter
Harborstone Credit Union
Lakewood, WA
01.2013 - 10.2017
- Provided recommendations for approval or denial of loans in accordance with established guidelines and policies.
- Maintained strong pipeline of corporate clients by collaborating closely with partners.
- Identified areas of potential risk associated with lending decisions.
- Prepared written summaries outlining reasons for approving or denying loan requests.
- Advised senior management on changes needed to improve underwriting processes.
- Collaborated closely with other departments such as legal, accounting, operations.
- Researched emerging trends in the credit industry to identify new opportunities.
- Participated in training sessions designed to enhance knowledge base around underwriting practices.
- Evaluated potential collateral to determine its acceptability and value.
- Communicated loan decision results to applicants in a professional manner.
- Reviewed loan applications for accuracy and completeness.
- Completed day-to-day duties accurately and efficiently.
- Planned and completed group projects, working smoothly with others.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Maintained updated knowledge through continuing education and advanced training.
Loan Processor
Prevail Credit Union/Harborstone Credit Union
Seattle, WA
03.2004 - 06.2013
- Provided recommendations for approval or denial of loans in accordance with established guidelines and policies.
- Maintained strong pipeline of corporate clients by collaborating closely with partners.
- Identified areas of potential risk associated with lending decisions.
- Prepared written summaries outlining reasons for approving or denying loan requests.
- Advised senior management on changes needed to improve underwriting processes.
- Collaborated closely with other departments such as legal, accounting, operations.
- Researched emerging trends in the credit industry to identify new opportunities.
- Participated in training sessions designed to enhance knowledge base around underwriting practices.
- Evaluated potential collateral to determine its acceptability and value.
- Communicated loan decision results to applicants in a professional manner.
- Reviewed loan applications for accuracy and completeness.
- Completed day-to-day duties accurately and efficiently.
- Planned and completed group projects, working smoothly with others.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Maintained updated knowledge through continuing education and advanced training.
- Interviewed applicants to identify needs and evaluate eligibility for loans or mortgages.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Stayed abreast of lending regulations, industry trends and market rates.
- Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
- Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
- Structured loan packages by properly analyzing credit reports, income and asset documents.
- Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
- Displayed strong telephone etiquette, effectively handling difficult calls.
- Worked with cross-functional teams to achieve goals.
- Recognized by management for providing exceptional customer service.p
Education
High School Diploma -
Meadowdale High School
Lynnwood, WA06.2002
Skills
- Statistical Analysis
- Risk Mitigation
- Client Relationship Development
- Portfolio Performance
- Problem-Solving
- Analytical Thinking
- Client Financial Status Assessment
Timeline
Credit Underwriter
Harborstone Credit Union
01.2013 - 10.2017
Loan Processor
Prevail Credit Union/Harborstone Credit Union
03.2004 - 06.2013
High School Diploma -
Meadowdale High School
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