Laura Conlon
Credit Analyst
Fullerton,CA
Summary
Seeking full-time employment that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving capabilities.
Overview
17
17
years of professional experience
Work History
Consumer Credit Analyst
MUFG Union Bank/US Bank
09.2006 - 04.2023
- Analyzed customer relationship data and financials to determine loan eligibility and credit risk.
- Rendered credit decisions on branch and call center loan originations. Conditioned for applicable closing stipulations to meet program guidelines and internal policy.
- Effectively managed high volume loan production with accuracy, quality and competency.
- Conducted financial and credit reviews on existing portfolio to determine annual renewal eligibility.
- Reviewed monthly Credit Risk Management report identifying possible accounts posing financial risk. Render credit decision based on internal and regulatory processes. If applicable freeze/blocked account.
- Analyzed and decisioned Personal Line of Credit (PLOC) and HELOC mortgage customer reinstatement requests.
- Reviewed HELOC equity line of credit subordination requests. Substantiated lender valuation, researched max CLTV for fico score and program guidelines.
- Reviewed and approved consumer bank overdraft credit line account transfers.
Education
High School Diploma -
Hillview High School
Tustin06.1983
Skills
- Credit Risk Analysis
- Underwriting
- Consumer Banking
- Financial Documentation
- Mortgage Loan Operations
- Loan Documentation and Policies
- Commercial and Credit Loans
- Loan Servicing Operations
- Notary Public
Timeline
Consumer Credit Analyst
MUFG Union Bank/US Bank
09.2006 - 04.2023
High School Diploma -
Hillview High School
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