KRISTIN DALEY
Loan underwriter
Altamonte Springs,FL
Summary
Experienced consumer underwriter and credit manager specializing in risk assessment and financial analysis. Track record of high productivity and efficient task completion in complex underwriting environments. Proficient in managing debt-to-income ratios and executing pricing strategies while ensuring regulatory compliance. Focused on leveraging expertise to improve credit decision-making and loan performance.
Overview
18
18
years of professional experience
Work History
Indirect & Consumer Underwriter
Origence
Altamonte Springs
06.2025 - Current
- Analyzed loan applications for over 800 Credit Union and automotive dealer partners, including credit reports and financial documents.
- Made informed decisions on loan approvals or denials, providing clear rationale for each case.
- Employed strategic underwriting techniques to enhance credit quality while minimizing defaults.
- Assessed debt-to-income ratios alongside creditworthiness during evaluations. Multi-Platform lending LOS system Modern Meridian Link, ARC, and Temenos
- Strengthened member relationships through effective limit approvals and cross-selling strategies.
- Demonstrated strong communication abilities in high-pressure situations.
- Applied advanced problem-solving skills in complex financial scenarios.
- Conducted thorough fraud evaluations to safeguard lending processes.
Underwriter II- Loan Specialist
Northwest Federal Credit Union
Altamonte Springs
01.2015 - 09.2024
- Evaluated loan applications for creditworthiness and compliance with established guidelines, utilizing the LOS system Meridian Link.
- Delivered quality underwriting, ensuring timely processing for the Credit Union.
- Reviewed financial documents to assess loan eligibility and associated risks.
- Maintained comprehensive records of client interactions and loan decisions.
- Prepared detailed reports on loan portfolio performance metrics.
- Monitored key portfolio metrics, including delinquency and charge-off rates.
- Resolved customer complaints promptly, taking necessary actions to ensure satisfaction.
- Developed strong client relationships through effective communication during the lending process.
Sales And Marketing Specialist
C&F Finance Company
Altamonte Springs
10.2014 - 01.2015
- Strengthened dealership relationships through visits and meetings with management, boosting proficiency and conversion rates.
Documented all sales calls in Salesforce, detailing action plans and improvement areas for effective follow-up.
Leveraged auto count to cross-sell services, securing appointments with General Managers and owners to sign accounts.
Dealer Relationship Manager/President Club Winner
Wells Fargo Dealer Services
Altamonte Springs
01.2008 - 10.2014
- Achieved President's Club recognition through exceptional sales performance and a 45% increase in loan approvals.
- Cultivated a robust dealer network across five counties, resulting in a 35% increase in credit applications.
- Trained dealership teams in lending practices, positively impacting portfolio size by $25 million quarterly.
- Presented Excel reports on account profitability during quarterly meetings with general manager.
- Fostered relationships with loan officers through daily visits to over 100 accounts in four counties.
- Identified productivity enhancements by analyzing dealer performance data for improvement opportunities.
- Negotiated favorable contracts with dealers covering pricing, terms of sale, and delivery schedules.
Education
AIB - analyzing Financial Statement
Seminole State College of Florida
Skills
- Effective communication
- Time management
- Attention to detail
- Decision making
- Strategic thinking
- Credit scoring
- Debt-to-income analysis
- Loan structuring
- Sales support
- Credit analysis
- Fraud detection
- Loan underwriting
- Debt assessment
- Customer relationships
- Data reporting
- Regulatory compliance
- Portfolio management
- Problem solving
- Risk evaluation
- Consumer lending
- Collateral evaluation
- Loan pricing
- Documentation review
- Relationship building
- Financial profiling
- Analytical thinking
- Price structuring
- Strategic planning
Languages
English
Professional
Accomplishments
Top Performer in Sales 2 years in a row, President Club Winner in Sales
Timeline
Indirect & Consumer Underwriter
Origence
06.2025 - Current
Underwriter II- Loan Specialist
Northwest Federal Credit Union
01.2015 - 09.2024
Sales And Marketing Specialist
C&F Finance Company
10.2014 - 01.2015
Dealer Relationship Manager/President Club Winner
Wells Fargo Dealer Services
01.2008 - 10.2014
AIB - analyzing Financial Statement
Seminole State College of Florida