Summary
Overview
Work History
Education
Skills
Websites
Timeline
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Keila Large

Keila Large

Huntley,IL

Summary

Professional with strong foundation in risk assessment, financial analysis, and decision-making. Skilled in evaluating creditworthiness, analyzing financial statements, and managing risk exposure. Adept at fostering team collaboration and adaptable to changing needs to ensure optimal results. Known for precision, reliability, and delivering impactful outcomes in underwriting.

Overview

17
17
years of professional experience

Work History

Underwriter 3

JPMorgan Chase & Co.
06.2021 - Current
  • Company Overview: Senior Indirect underwriter for Chase bank specializing as the captive lender for Subaru Motors Finance and their dealerships nationwide
  • Develop and maintain relationships with Subaru retailers that utilize Chase as their captive lender and have their floor plan with us as well
  • Conduct quality audits and reviews of loan applications each month
  • Conduct detailed financial analysis to assist in determining the risk of extending credit and verification of income on applications
  • Adhere to policies and procedures to be complaint with federal lending regulations as well as maintaining compliance and quality within our internal processes, procedures and policies
  • Average score of 100% on all audits completed monthly focusing on compliance, due diligence and requirement adherence
  • Senior Indirect underwriter for Chase bank specializing as the captive lender for Subaru Motors Finance and their dealerships nationwide

Senior Indirect and Consumer Underwrited

Consumers Credit Union Formerly Andigo/MECU
03.2015 - 06.2021
  • Analyze credit data and financial statements to determine the degree of risk involved in extending credit for Home Equity products as well as Unsecured, Auto, Motorcycle, Marine and RV loans and indirect applications.
  • Evaluate applicants credit history, payment performance, employment history, income, obligations and their assets
  • Ability to read, understand and compute all business and personal tax reporting forms
  • Train and coach loan officers on loan building techniques, identifying cross sell opportunities and understanding how to read and interpret credit reports and the direction of a credit score
  • Implemented enhancements to our lending authority guidelines, automated decision engine and operational enhancements to our Loan Origination System
  • These enhancements increased our automated underwriting approvals within 6 months by +14.6%
  • Order and review full Appraisals and Title reports on applicants properties to determine the risk that Andigo will be taking to secure a second lien position
  • Meet with executive level leaders on a semi-monthly basis for lean value stream mapping and process improvement to existing processes and procedures and also to come up with innovative ways to improve our member experience and address member feedback specific to our credit unions Lending Department

TEAM LEAD- INDIRECT UNDERWRITER

Lending Solutions Inc.
04.2014 - 03.2015
  • Proficiently trained on the following underwriting platforms: CUDL3, CUDL360, TCI, Meridian Link, DealerTrack, RouteOne, CRIF, FLS, SAIL, Dills, Velocity and Verity
  • Manage, train and develop my underwriting team of 14 senior indirect underwriters to meet and exceed LSI's underwriting department goals while following over 300 different financial institutions underwriting guidelines
  • Implement creative and innovative approaches to weekly one-on-one coaching sessions with employees on my team and contests to challenge and incentivize their growth as underwriters
  • Audit loans and decisions from agents on my team to ensure that client underwriting criteria is being adhered to
  • Underwrite both consumer and indirect loan products
  • Take dealer rehash calls to update deal structures, explain reasons for the decision, take a 2nd look at the loan and make any updates as needed.

Senior Underwriter

Lending Solutions Inc.
02.2013 - 04.2014
  • Review loan applications and analyze credit and financial statements to determine the degree of risk involved in extending credit to new and existing members
  • Provide a decision to loan officers on their applications within a department goal time of 3.30 minutes along with offering any additional loan products as cross sells for that application within the clients guidelines
  • Chosen by management to host site visits for new and existing clients and new hires
  • Review credit applications with loan processors to ensure that they correctly completed the financial institutions loan application process in the correct format based on their guidelines and confirm that all loan building attempts have been made with the applicant

Indirect Underwriter

Lending Solutions Inc.
02.2011 - 02.2013
  • Review loan applications and analyze credit and financial statements to determine the degree of risk involved in extending credit to new and existing members
  • Proficiently trained on the following underwriting platforms: CUDL3, CUDL360, TCI, Meridian Link, DealerTrack, RouteOne, CRIF, FLS, SAIL, Dills, Velocity and Verity
  • Coach and mentor fellow loan officers and underwriters to help them grow within the indirect underwriting department
  • Assist management with loan audits, clients site visits, host loan discussion groups, grade new hire underwriting assessments and other tasks as requested by management
  • Assist management with training classes for newly hired indirect employees
  • Maintain and develop strong relationships with dealers for all of the indirect clients that we service
  • SERVICING COMPANY FOR FINANCIAL INSTITUTIONS

Loan Officer

Lending Solutions Inc.
10.2008 - 02.2011
  • Processed loan applications, obtained or made a credit decision, presented loan payments, rates and term options and reviewed applicable cross sells on consumer loan applications for credit for over 300 financial institutions while adhering to the clients specific guidelines and lending authority within department goal time of 15 minutes
  • Gradually achieved loan underwriting authority and ability to process and underwrite my own loan applications
  • Chosen by management to host new hires and site visits for both new and existing clients
  • Chosen by management to attend LSI's University of Lending

Administrative assistant to VP of Sales

D&S Communications
01.2008 - 10.2008
  • Assist in preparing presentations to existing and potential clients regarding equipment based on their businesses telecommunication needs
  • Direct, coordinate and review monthly numbers in sales and record keeping and also assist in shipping and receiving operations
  • Represent the company at telecommunication trade shows and make travel arrangements for executives and also clients
  • Prepare invoices, reports, financial statements and other documents using Microsoft office programs

Education

General Education

ELGIN COMMUNITY COLLEGE
ELGIN, IL

Skills

  • Microsoft Office
  • Communication
  • Federal Lending Regulations
  • Training
  • Coahing
  • Team Development
  • Management
  • Leadership
  • Credit analysis
  • Financial statements analysis
  • Dealer relationship
  • Relationship management

Websites

Timeline

Underwriter 3

JPMorgan Chase & Co.
06.2021 - Current

Senior Indirect and Consumer Underwrited

Consumers Credit Union Formerly Andigo/MECU
03.2015 - 06.2021

TEAM LEAD- INDIRECT UNDERWRITER

Lending Solutions Inc.
04.2014 - 03.2015

Senior Underwriter

Lending Solutions Inc.
02.2013 - 04.2014

Indirect Underwriter

Lending Solutions Inc.
02.2011 - 02.2013

Loan Officer

Lending Solutions Inc.
10.2008 - 02.2011

Administrative assistant to VP of Sales

D&S Communications
01.2008 - 10.2008

General Education

ELGIN COMMUNITY COLLEGE

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Keila Large