LeKisha Carr
Lancaster
Work Preference
Overview
21
21
years of professional experience
Work History
Credit Officer/Credit Consumer Underwriter 5
U.S. Bank
12.2013 - 03.2024
- Responsible for conducting a complete credit analysis of the customer's credit and financials to extend credit and/or make final lending decisions on the new renewal of loans to approve or deny credit, meeting the bank's requirements and within credit authority.
- Building relationships with internal management across the bank to assist with risks and problem-solving to protect the bank from risk and fraud.
- Build relationships with dealer principals and dealer personnel through daily communications to help dealers grow their portfolio to be profitable, with loyalty and integrity.
- Managed a large territory portfolio to increase profitability for the bank and dealership's bottom line while maintaining accuracy in risk and compliance.
- Cross-trained in other departments to help with work overflow. Help train newcomers on credit decisions and computer systems.
- Followed banking requirements and government lending regulations.
Team Leader Manager
CoreLogic
Westlake
03.2010 - 11.2013
- Trained new employees on company policies and best practices for their roles.
- Monitored team performance and provided constructive feedback for improvement.
- Coordinated cross-functional projects to ensure timely completion of deliverables.
- Maintained documentation of processes to ensure compliance with company standards.
- Provided guidance, coaching, and feedback to team members.
- Assigned and monitored daily tasks for team members.
Senior Credit Officer
Wells Fargo & Company
Dallas
01.2003 - 02.2010
- Evaluated credit applications to assess risk and determine loan eligibility.
- Developed and implemented credit policies to enhance lending practices.
- Collaborated with cross-functional teams to streamline credit approval processes.
- Reviewed financial documents for accuracy and compliance with regulations.
- Communicated with clients regarding credit decisions and requirements effectively.
- Reviewed and analyzed credit reports, financial statements, and other relevant documents to determine the risk associated with extending credit to customers.
- Ensured compliance with applicable state and federal laws governing consumer lending practices.
- Evaluated loan applications from new or existing clients and determined whether they met company standards for approval.
Education
A.A.S - Business Management
Howard College
Big Spring, TX01.1993
Skills
- Creativity
- Credit analysis
- Loan underwriting
- Risk assessment
- Portfolio management
- Effective communication
- Training and development
- Leadership
- Organization
- Problem solving
- Teamwork
Timeline
Credit Officer/Credit Consumer Underwriter 5
U.S. Bank
12.2013 - 03.2024
Team Leader Manager
CoreLogic
03.2010 - 11.2013
Senior Credit Officer
Wells Fargo & Company
01.2003 - 02.2010
A.A.S - Business Management
Howard College