Jill Schwabel
Las Vegas,NV
Summary
Consumer Loan Underwriter making credit decisions across auto loans, credit cards, personal loans, and lines of credit for current and prospective members. Reviews applications with attention to risk, policy, and member eligibility, while expanding underwriting coverage into HELOCs and fixed second mortgages. Supports lending decisions that balance approval quality with credit standards. Prepares adverse action notices.
Overview
12
12
years of professional experience
Work History
Consumer Loan Underwriter
One Nevada Credit Union
Las Vegas, NV
09.2018 - Current
- Review [number] consumer loan applications weekly and make credit decisions for autos, credit cards, personal loans, and lines of credit.
- Evaluate borrower credit profiles, debt-to-income analysis, and loan-to-value analysis to align decisions with lending standards.
- Guide current and prospective members through underwriting requirements while maintaining clear communication on application status and next steps.
- Prepare adverse action notices and loan documentation with accurate contract review and account reconciliation support.
- Evaluate collateral details and loan documentation for consumer credit decisions while applying credit underwriting guidelines consistently.
- Expand underwriting knowledge through ongoing training on HELOCs and Fixed 2nd Mortgages under mortgage underwriting guidelines.
- Analyzed financial documents to ensure compliance with lending policies and regulations.
- Evaluated consumer loan applications for creditworthiness and financial viability.
Biller
Infiniti of Las Vegas
Las Vegas, NV
02.2018 - 09.2018
- Reconcile 100% of customer accounts against incoming payments to keep the accounting side current.
- Process all funding packages for auto contracts while keeping paperwork organized for financial review.
- Review auto contracts before submission to catch missing details and support smoother funding through financial companies.
- Submit warranty and gap contracts accurately for funding, maintaining timely handoff between sales and finance teams.
- Track received monies and follow up on missing items to keep payments moving through the billing cycle.
- Managed accounts receivable, maintaining up-to-date records for customer transactions.
- Collaborated with sales team to resolve billing inquiries and enhance customer satisfaction.
Biller
Gaudin Ford
Las Vegas, Nevada
04.2014 - 02.2018
- Managed accounting for all vehicles sold, verifying manufacturer rebates and recording proceeds accurately.
- Coordinated with financial institutions to secure timely funding and keep contract packages moving.
- Supported the Finance Department by preparing contracts for funding and resolving documentation gaps before submission.
Education
Bachelor of Science - Criminal Justice
Hilbert College
Hamburg, United States05.2000
Skills
- Credit underwriting
- Risk assessment
- Loan application review
- Income verification
- Credit report analysis
- Debt-to-income analysis
- Loan-to-value analysis
- Adverse action notices
- Mortgage underwriting guidelines
- Contract review
- Funding coordination
- Account reconciliation
- Loan documentation
- Collateral evaluation
Timeline
Consumer Loan Underwriter
One Nevada Credit Union
09.2018 - Current
Biller
Infiniti of Las Vegas
02.2018 - 09.2018
Biller
Gaudin Ford
04.2014 - 02.2018
Bachelor of Science - Criminal Justice
Hilbert College