Lawrence Jarjour
Riverside,CA
Summary
Analytical Credit Underwriter with proven ability to process loan applications quickly and accurately. Specializing in risk assessment, financial analysis, and regulatory compliance. Excel in critical thinking, decision-making, and problem-solving to ensure sound credit decisions. Committed to maintaining up-to-date knowledge of banking policies and economic trends that impact credit lending.
Overview
15
15
years of professional experience
Work History
Credit Review Specialist
US Bank
Riverside, CA
08.2021 - Current
- Responsible for conducting credit analyses, including gathering, analyzing, and interpreting all credit information on existing and prospective customers, and portfolios.
- Works on commercial originations (new money), renewals, and modifications on developer and investor loans (multifamily investment), as well as commercial and industrial loans (owner-occupied real estate, and revolving lines of credit).
- Input and analyze data gathered into tracking and/or reporting computer systems and/or databases.
- Prepares and presents credit reports to the person(s) responsible for making lending decisions on new, renewal, and extension loans.
- Sets up and maintains databases used to analyze accounts and/or portfolios.
- Prepares and presents credit reports to the person(s) responsible for maintaining control over the credit standings of individual accounts and portfolios.
- Mentor new hires in the Underwriting department by providing onboarding training sessions and continuing education.
Assistant Branch Manager
Columbia State Bank
Portland, OR
08.2020 - 08.2021
- Supervised 10 branch team members and provided management with suggestions regarding performance assessments
- Received internal branch audit score of 98%
- Increased client satisfaction rate by 30% during my tenure
- Increased efficiency and drove branch revenue by optimizing daily operations
- Monitored more than 50 client relationships to deliver exceptional service
- Provided consistent guidance and training to branch team through daily coaching to deepen customer relations
- Worked closely with partners from treasury management, merchant card services, and wealth management in generating 30 closed sales in one year
- Prepared monthly, quarterly, and semiannually audit certifications to ensure compliance with bank’s policies and procedures.
Recruitment & Admissions Counselor
Abu Dhabi University
Abu Dhabi
03.2010 - 09.2013
- Planned and organized recruitment events and activities (open days, orientations, info sessions, school competitions, workshops, etc.)
- Conducted school/company visit presentations and participated in other recruitment/ admission activities
- Ensured prospect/contact details at ERP & CRM systems are accurate and responded to prospects, applicants and new students’ queries via phone, email and over the counter
- Generated student ID numbers, screened applications, admitted students and prepared admission or rejection letters through an ERP system
- Accomplished individual targets to turn prospects into registered students through extensive follow ups
- Represented Abu Dhabi University within the GCC through participation in education exhibitions and school fairs.
- Assisted students in completing appropriate forms for financial aid and financing processes.
- Advised students in career planning, job placement and academic goals.
- Assisted in recruiting international students from the MENA region and India.
Manager on Duty/Personal Banker
JPMorgan Chase Bank
Anaheim & Portland, CA, OR
02.2017 - 07.2020
- Managed 15-person team handling banking operations in sales, customer service, and long-term relationship management environment
- Initiated plan to improve customer satisfaction surveys through random team observations which led to a 95% overall satisfaction rate for the second quarter of 2020
- Executed the “Chase Chats” learning program which was designed to help communities succeed financially and led the market as the Chat Champion in arranging 30 chats in the first quarter of 2020
- Handled home equity line of credit applications, mortgage loan applications, and small business loan applications in collaboration with Chase partners
- Maintained professionalism in customer interactions, answered concerns and resolved problems with friendly and knowledgeable approach.
Personal Banker
Wells Fargo Bank
Long Beach, CA
08.2014 - 02.2017
- Managed assigned customers and met with them in-person and over the phone to build lasting relationships and discover financial needs
- Processed heavy number of personal loans and credit cards to clients daily
- Helped business clients in opening business accounts and referring them over to other business partners
- Partnered with loan and mortgage officers and financial advisors to provide clients with optimal financial solutions.
- Interpreted data to evaluate for lending ratios and product and service opportunities.
- Cultivated relationships with partners to fulfill or provide appropriate referrals for clients.
Education
MBA -
Portland State University
Portland, OR06.2021
Bachelor of BA - Marketing
Abu Dhabi University
Abu Dhabi, UAE06.2009
Skills
- Business management
- Data Analysis
- Client acquisition
- Effective customer communication
- Sales proficiency
- Client relationship management
- Account analysis expertise
- Excels in team leadership
- Rapport and relationship building
- Persuasive negotiations
- Microsoft Office
- Project Planning
- Data Visualization
- Developing Presentations and Reports
- Conference and Convention Planning
Languages
Arabic
Native/ Bilingual
English
Native/ Bilingual
French
Limited
Timeline
Credit Review Specialist
US Bank
08.2021 - Current
Assistant Branch Manager
Columbia State Bank
08.2020 - 08.2021
Manager on Duty/Personal Banker
JPMorgan Chase Bank
02.2017 - 07.2020
Personal Banker
Wells Fargo Bank
08.2014 - 02.2017
Recruitment & Admissions Counselor
Abu Dhabi University
03.2010 - 09.2013
MBA -
Portland State University
Bachelor of BA - Marketing
Abu Dhabi University
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