Jonathan Gustafson
Greenville,SC
Summary
Results-driven Credit and Risk professional with 18 years of experience in financial evaluation, risk analysis, and compliance. Expertise in underwriting decisions and complex financial structure analysis, enhancing business profitability through effective risk management. Solid foundation in credit review and cash-flow analysis aligned with surety underwriting and bond credit. Highly analytical with strong skills in data interpretation and trend forecasting, contributing to impactful data-driven decisions.
Overview
16
16
years of professional experience
Work History
Sr. Credit Risk & Analyst (Sr. Mortgage UW)
EMM Loans LLC
Cherry Hill, NJ
10.2025 - 12.2025
- Reviewed financial obligations across purchase, refinance, portfolio, and investment transactions, enhancing assessment accuracy for multifamily properties.
- Evaluated collateral, insurance, title, and risk factors to ensure compliance with secondary market standards, minimizing potential risk exposure.
- Applied sound judgment regarding credit, capacity, and collateral to optimize performance.
- Collaborated with sales and operations leadership to resolve escalations, ensuring adherence to service level agreements and maintaining client satisfaction.
Sr. Credit Risk & Analyst (Subject Matter Expert)
Lennar Mortgage
Tempe, AZ
06.2016 - 07.2025
- Mentored junior underwriters and processors on policy interpretation and business exceptions.
- Delivered quality risk decisions for $63 million+ in production, ensuring compliance and profitability for the organization.
- Earned company recognition for consistent and disciplined underwriting in high exposure environments.
Credit Risk Specialist
JP Morgan Chase
Phoenix, AZ
01.2015 - 06.2016
- Authorized non-agency and conventional credit decisions up to $2.5 million.
- Conducted second-level reviews to verify credit judgement and uphold compliance standards.
Operations & Risk Analyst
Wells Fargo
Tempe, AZ
01.2010 - 01.2015
- Led support group for leadership initiatives, enhancing accuracy, turn times, and underwriting consistency within department.
- Exceeded production standards by 20%, ensuring compliance with investor guidelines through sound outcomes and audits.
- Built Excel tools to simplify financials analysis and workflows.
Education
Some College (No Degree) - Economics, Communication
Cascadia Community College
Bothell, WASkills
- Financial analysis
- Credit risk assessment
- Compliance auditing
- Underwriting procedures
- Risk management
- Customer relationship management
- Complex Problem-solving
- Attention to detail
- Effective communication
- Machine learning
- Decision-making
- Analytical thinking
- Financial statements expertise
Certifications And Credentials
- Direct Endorsement (FHA & HUD)
- Associate in Fidelity and Surety Bonding (AFSB) - in process
- Texas Cash-Out certified
- SETH & TSAHC Bond Underwriter
- Mortgage Bankers Association member
- Mortgage Action Alliance member
- Certified Debt Specialist - International Association of Professional Debt Arbitrators
Timeline
Sr. Credit Risk & Analyst (Sr. Mortgage UW)
EMM Loans LLC
10.2025 - 12.2025
Sr. Credit Risk & Analyst (Subject Matter Expert)
Lennar Mortgage
06.2016 - 07.2025
Credit Risk Specialist
JP Morgan Chase
01.2015 - 06.2016
Operations & Risk Analyst
Wells Fargo
01.2010 - 01.2015
Some College (No Degree) - Economics, Communication
Cascadia Community College