Joy Fabunan
Temecula
Summary
Results-driven home loan underwriter with extensive experience in consumer and real estate lending. Proven expertise in evaluating loan applications to ensure compliance with state and federal regulations, investor guidelines, and credit union standards. Skilled in risk assessment, financial analysis, fraud detection, and loan portfolio management. Adept at managing underwriting processes, training teams, and optimizing lending operations to meet strategic business goals while maintaining regulatory compliance and upholding fair lending practices.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Consumer Lending Manager
Cabrillo Credit Union
01.2014 - 01.2024
- Underwrote and reviewed home equity loan applications to assess creditworthiness, capacity, capital, character, and condition in compliance with credit union policy and investor guidelines
- Performed in-depth risk assessment and financial analysis, including tax return reviews, credit evaluation, red flag detection, and fraud analysis
- Ensured all loan files met underwriting conditions, including appraisal reports, title documentation, and adequate collateral assessment
- Maintained compliance with federal and state lending laws, including Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations
- Spearheaded process improvements, optimizing loan origination system (MeridianLink) and enhancing loan funding efficiency by 55%
- Managed underwriting team performance, ensuring turn-time targets were met while upholding fair lending practices
- Provided training and mentorship to underwriters and lending staff on underwriting best practices, risk mitigation, and regulatory updates
Branch Manager
American General Financial Services [AIG]
01.2005 - 01.2013
- Managed loan origination, underwriting, and funding for consumer and real estate loans, ensuring compliance with lending policies and investor requirements
- Analyzed and reviewed credit reports, income documentation, and financial statements to assess loan risk and borrower eligibility
- Led underwriting and collections teams, developing loss mitigation strategies to reduce delinquency rates and improve portfolio performance
- Reviewed and cleared underwriting conditions, including collateral documentation, title policies, and appraisal evaluations
- Maintained strong relationships with real estate agents, title companies, appraisers, and other external vendors
- Implemented risk management protocols that reduced loan delinquency rates by 20% and increased loan portfolio by 15% in the first year
Education
Master of Arts - Management
University of Redlands
Bachelor of Science - Business Administration
University of Phoenix
Associate of Arts - Accounting
Southwestern College
Skills
- Home Loan and Equity Underwriting
- Risk Assessment and Financial Analysis
- Consumer and Real Estate Lending
- Regulatory Compliance and Fair Lending
- Fraud Detection and Red Flag Analysis
- Appraisal and Collateral Review
- Loan Portfolio and Credit Risk Management
- Loan Origination and Funding Processes
- Training and Team Leadership
- Process Improvement and Workflow Optimization
Accomplishments
- At Cabrillo Credit Union, I contributed to the implementation of lending strategies, which resulted in a 45% increase in loan balances
- Implemented underwriting and risk management protocols, improving underwriting turn time by 75%, and reducing loan delinquencies by 20%
- Branch of the Month (January 2009, December 2010, February to September 2011)
- California Loan Harvester Award
- Top Business Development Manager (2008)
- Emerald Sales Award (2007)
- Employee of the Month (February 2007)
- Ruby Sales Award (2006)
Affiliations
- Phi Theya Kappa Honor Society
Certification
- NMLS
Timeline
Consumer Lending Manager
Cabrillo Credit Union
01.2014 - 01.2024
Branch Manager
American General Financial Services [AIG]
01.2005 - 01.2013
Master of Arts - Management
University of Redlands
Bachelor of Science - Business Administration
University of Phoenix
Associate of Arts - Accounting
Southwestern College
Similar Profiles
Tanya MorenoTanya Moreno
Branch Manager at Cabrillo Credit UnionBranch Manager at Cabrillo Credit Union
Justin BurnsJustin Burns
VP of Information Technology and Facilities at Cabrillo Credit UnionVP of Information Technology and Facilities at Cabrillo Credit Union
Angela OlsenAngela Olsen
Teller, Operations Department at Beehive Credit Union (now Security Services Credit Union)Teller, Operations Department at Beehive Credit Union (now Security Services Credit Union)
Tylee NguyenTylee Nguyen
Food and Beverage Supervisor/ Cook at Embassy SuitesFood and Beverage Supervisor/ Cook at Embassy Suites
Karington BloughKarington Blough
Financial Aid Officer at High Desert Medical CollegeFinancial Aid Officer at High Desert Medical College