Summary
Overview
Work History
Education
Skills
Timeline
Awards
Generic

JOSH HYMAN

Norman

Summary

Professional finance specialist equipped to deliver results through strategic assessments and risk analysis. Proven track record in evaluating loan applications, ensuring compliance, and mitigating risk. Strong focus on team collaboration, adaptability, and achieving high-impact outcomes. Renowned for analytical skills, decision-making abilities, and commitment to excellence in consumer finance.

Overview

10
10
years of professional experience

Work History

Consumer Loan Underwriter

Oklahoma Educators Credit Union (OECU)
01.2017 - 11.2024
  • Record data from decisioned loans into Excel Spreadsheet, Highlighting Term, Rate, Amount and Approval Time
  • Evaluate loan requests from Loan Officers and determine approval based on risk and past credit performance
  • Make conscious decision on presented information and to protect the Credit Union from any Associated Risk
  • Collaborated with loan officers to clarify application details and resolve discrepancies.
  • Evaluated borrower financial documentation for compliance with lending policies.

Loan Officer

Great Plains Bank
08.2014 - 01.2017
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Maintained current loan and pricing information on the online banking website.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Compiled database of loan applicants’ credit histories, corporate financial statements and other financial information.
  • Submitted loan applications to the underwriter for verification and recommendations.
  • Maintained strict confidentiality of bank records and client information.
  • Maintained friendly and professional customer interactions.

Education

Bachelors Degree of Business Administration/ Marketing Degree - Business Marketing

Southwestern Oklahoma State University
Weatherford, OK
05.2010

Skills

  • Customer-Oriented
  • High Level of Accuracy
  • Debt-to-Income Ratios
  • Loan Structuring
  • Asset Appraisal
  • Credit Analysis
  • Income Verification
  • Microsoft Office Suite
  • Strong Banking Ethics
  • Risk Evaluations

Timeline

Consumer Loan Underwriter

Oklahoma Educators Credit Union (OECU)
01.2017 - 11.2024

Loan Officer

Great Plains Bank
08.2014 - 01.2017

Bachelors Degree of Business Administration/ Marketing Degree - Business Marketing

Southwestern Oklahoma State University

Awards

Consumer Lending School, Oklahoma Banker’s Association, October 2014

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