Josh Peeples
Woodstock,GA
Summary
Dynamic financial services professional with over [X] years of experience in driving strategic decisions and optimizing operations for maximum efficiency. Proven track record in loan underwriting, risk management, and relationship expansion, resulting in enhanced customer satisfaction and increased revenue. Adept at leveraging analytical skills to develop innovative solutions that contribute to organizational success. Passionate about leading teams and fostering a culture of excellence in financial service delivery.
Overview
18
18
years of professional experience
Work History
Director of Operations
CoolTek
01.2023 - Current
- Oversee rehab equipment logistics, ensuring efficient delivery and pickup coordination
- Enhance operational efficiency with strategic route planning, improving service timelines
- Facilitate technical issue resolution with RomTech, ensuring customer satisfaction
- Streamline insurance processes, boosting customer service effectiveness
- Drive sales initiatives, achieving notable growth in customer acquisition
- Streamlined operations, optimizing rehab equipment logistics for improved delivery efficiency and customer satisfaction
- Facilitated cross-functional coordination with RomTech, enhancing troubleshooting capabilities and strengthening client relations
- Implemented insurance processing strategies, improving claim resolution speed and accuracy for patient services
- Analyzed sales trends to drive strategic decisions, increasing revenue through targeted customer engagement and service excellence
- Enhanced customer service by fostering a client-centric approach, ensuring high satisfaction and loyalty in patient equipment services
- Pioneered new operational strategies, elevating service delivery standards and fostering a culture of continuous improvement
Business Underwriter
Savent Financial
01.2022 - 01.2023
- Conducted ownership research and fraud investigations, enhancing financial security measures
- Evaluated loan applications, optimizing terms within risk policies for better client outcomes
- Assessed credit reports to ensure creditworthiness, improving decision communication efficiency
- Analyzed financial documents, determining profitability and ensuring compliance with guidelines
- Performed periodic risk reviews, recalculating cash flow for accurate merchant assessments
- Analyzed financial statements to assess profitability and advised on strategic funding options, enhancing decision-making efficiency
- Streamlined the underwriting process, reducing evaluation time and improving accuracy in creditworthiness assessments
- Worked with cross-functional teams to ensure compliance with financial regulations, fostering a culture of transparency and accountability
- Conducted meticulous reviews of financial documents to ensure adherence to underwriting guidelines, minimizing risk exposure
- Developed new methodologies for cash flow analysis, leading to more precise assessments and informed funding decisions
- Collaborated with sales teams to customize financial solutions, enhancing client satisfaction and retention
Mortgage Underwriter
LoanDepot
01.2020 - 01.2022
- Evaluated loan applications for accuracy, enhancing approval efficiency and client satisfaction
- Assessed VA IRRRL and conventional loans, ensuring compliance and reducing processing time
- Reviewed financial documents, improving risk assessment accuracy and decision-making reliability
- Underwrote loans to guidelines, maintaining high standards and investor confidence
- Calculated income/assets, optimizing credit terms and minimizing risk exposure
- Streamlined loan processing workflow, reducing approval times through detailed analysis and proactive issue resolution
- Implemented risk assessment strategies, enhancing decision accuracy and customer satisfaction in mortgage underwriting
- Coordinated with cross-functional teams to optimize loan processing efficiency, ensuring compliance with regulatory standards
- Advocated for innovative underwriting solutions, improving client engagement and fostering a customer-centric approach
- Conducted comprehensive document reviews, ensuring precision and compliance in loan approvals and mitigating potential risks
- Developed innovative loan processing techniques, increasing approval rates and enhancing client trust through efficient service delivery
Business Underwriter
CAN Capital
01.2019 - 01.2020
- Assessed loan applications, enhancing approval speed and accuracy through detailed analysis
- Evaluated creditworthiness, improving decision quality and reducing financial risk
- Conducted fraud investigations, ensuring compliance and accuracy in processing
- Collaborated with teams, streamlining processes and enhancing client communication
- Guided peers in cash flow analysis, promoting precision and mutual growth
- Streamlined loan processing by collaborating with teams, enhancing efficiency and improving client communication
- Implemented risk assessment strategies, achieving improved loan approval turnaround while ensuring compliance and accuracy
- Guided peers in recalculating cash flows, fostering precision and mutual growth within the underwriting team
- Conducted thorough investigations into ownership and fraud, ensuring compliance and accuracy in loan processing
- Partnered with teams to streamline loan processing, boosting efficiency and improving client communication
- Led cross-functional initiatives, optimizing underwriting processes and elevating client satisfaction through strategic collaboration
Senior Underwriter
Patriot Finance
01.2018 - 01.2019
- Reviewed and underwrote loans, ensuring compliance and accuracy, enhancing portfolio quality
- Led risk assessments, developed strategies to minimize defaults, boosting financial stability
- Implemented underwriting improvements, optimizing approval timelines for faster service delivery
- Mentored junior underwriters, enhancing team skills and knowledge retention
- Conducted market analysis to refine loan products, improving competitive positioning
- Negotiated terms with key stakeholders, securing favorable outcomes and enhancing client relationships
- Developed predictive models to anticipate market trends, supporting strategic decision-making and boosting revenue streams
- Implemented data-driven strategies that reduced processing time, enhancing customer satisfaction and operational efficiency
- Pioneered cross-functional initiatives that aligned departmental goals with corporate vision, driving cohesive growth
- Analyzed loan performance metrics, identifying key trends to improve risk management and enhance portfolio returns
- Devised a new credit evaluation framework, streamlining decision-making processes and increasing accuracy in risk assessments
Indirect Loan Officer/Underwriter
Georgia’s Own Credit Union
01.2017 - 01.2018
- Analyzed credit data, enhancing loan decisions and compliance adherence
- Collaborated with dealers, expediting loan funding and strengthening partnerships
- Negotiated rates, boosting profitability and fostering business growth
- Streamlined loan processing, improving efficiency and team collaboration
- Conducted risk assessments, enhancing forecasting and decision accuracy
- Partnered with finance teams to refine loan approval processes, leading to improved efficiency and stronger interdepartmental relationships
- Streamlined loan evaluation procedures, achieving faster turnaround times and improving member satisfaction significantly
- Developed new underwriting strategies that optimized loan approval rates, contributing to overall credit union growth
- Reviewed detailed financial reports to ensure precision in credit evaluations, minimizing errors and regulatory compliance risks
- Pioneered digital loan application tools, enhancing user experience and streamlining application processes
- Implemented cross-training programs, increasing team adaptability and reducing processing delays
Senior Underwriter
American Motor Credit
01.2012 - 01.2016
- Built strong relationships with 350+ dealerships, achieving net loan growth goals
- Secured top gap and warranty sales, minimized repossessions for 3 years
- Explained financial options clearly to customers, enhancing decision-making
- Analyzed credit reports and financials to assess and approve dealer loans
- Audited funding documents, ensuring accuracy and compliance
- Enhanced underwriting processes, optimizing loan approval times, resulting in streamlined operations and improved client satisfaction
- Conducted in-depth financial analyses, identifying key risk factors, which improved decision-making accuracy and reduced loan default rates
- Partnered with cross-functional teams to develop innovative financial solutions, fostering stronger dealer relationships and boosting loan volumes
- Implemented new risk assessment models, increasing underwriting efficiency and aligning loan offerings with market demands
- Reviewed and refined loan documentation processes, ensuring compliance and accuracy, which minimized errors and enhanced audit readiness
- Led credit risk projects, enhancing model accuracy and reducing default rates through data-driven insights and strategic adjustments
Personal Banker
Wells Fargo Bank
01.2010 - 01.2012
- Delivered diverse financial services, surpassing sales targets for 9 consecutive months
- Built and managed client portfolios, fostering strong client relationships
- Collaborated with local businesses to create sales opportunities and conduct workshops
- Partnered with internal teams to enhance sales, earning multiple awards for fraud prevention
- Enhanced customer satisfaction by providing tailored financial solutions, driving significant growth in client retention and portfolio value
- Leveraged cross-functional partnerships with mortgage consultants and advisors to optimize client financial strategies, enhancing service delivery
- Utilized data-driven insights to identify client needs and align financial products, contributing to increased sales and client engagement
- Consistently surpassed sales targets through strategic client relationship management and effective portfolio oversight, boosting revenue streams
- Implemented meticulous portfolio reviews and fraud prevention strategies, recognized with multiple awards for exceptional diligence and vigilance
- Analyzed market trends to inform client financial strategies, improving decision-making and maximizing portfolio performance
Sales Manager
Lids
01.2007 - 01.2010
- Led store to achieve 20-month sales forecast with $162,000 profit increase over three years
- Implemented strategic plans boosting team morale and surpassing sales targets
- Ranked in top ten regional stores for web orders through effective leadership
- Achieved Golden Key for audit excellence, showcasing strong compliance skills
- Enhanced team productivity by fostering a collaborative culture, resulting in measurable sales growth and improved customer satisfaction
- Analyzed sales trends to optimize inventory management, reducing excess stock and boosting profitability through targeted strategies
- Achieved district-leading sales forecasts for 20 consecutive months, demonstrating strategic leadership and effective goal setting
- Implemented creative employee motivation strategies that significantly boosted team morale and exceeded sales targets consistently
- Pioneered initiatives to drive online sales, securing a top ten regional ranking for web orders and expanding market reach
- Streamlined in-store operations, enhancing efficiency and customer experience, driving significant growth in customer retention rates
Education
Georgia Highlands College
01.2005
Skills
- Negotiation Skills
- Loan Underwriting
- Risk Management
- Auditing/Compliance
- Insurance Writing
- Analytical Skills
- Relationship Expansion
- Credit Analysis
- Leadership
- Sales
- Proficient in Axis
- Proficient in Gold Point
- Proficient in EIS
- Proficient in Loan Point
- Trained in Sales Force
- Proficient in MellowNow
Timeline
Director of Operations
CoolTek
01.2023 - Current
Business Underwriter
Savent Financial
01.2022 - 01.2023
Mortgage Underwriter
LoanDepot
01.2020 - 01.2022
Business Underwriter
CAN Capital
01.2019 - 01.2020
Senior Underwriter
Patriot Finance
01.2018 - 01.2019
Indirect Loan Officer/Underwriter
Georgia’s Own Credit Union
01.2017 - 01.2018
Senior Underwriter
American Motor Credit
01.2012 - 01.2016
Personal Banker
Wells Fargo Bank
01.2010 - 01.2012
Sales Manager
Lids
01.2007 - 01.2010
Georgia Highlands College
Similar Profiles
SARBESWAR HALDARSARBESWAR HALDAR
Executive - Design & Coordination at Cooltek IndiaExecutive - Design & Coordination at Cooltek India
Yoseph AlemuYoseph Alemu
SQL/ETL Developer at Bank of the WestSQL/ETL Developer at Bank of the West
Sean GreeneSean Greene
Diamondkast/Gamechanger at Perfect GameDiamondkast/Gamechanger at Perfect Game
JOHN LEDWITCHJOHN LEDWITCH
Supply Chain Manager II at ROC SCSSupply Chain Manager II at ROC SCS
Daniel VargasDaniel Vargas
Funding Specialist at Bank OZKFunding Specialist at Bank OZK