Linda Brooks
Kansas City,MO
Summary
Motivated credit professional offering a Masters in Business Administration and Management and great time management skills. Adds value to any organization in need of great collaboration, interpersonal and multitasking abilities. Meets tight deadlines. Works well independently, coming from working a remote position for 9 years.
Overview
23
23
years of professional experience
Work History
Indirect Auto Loan Underwriter
U.S. Bank
Kansas City, MO
09.2014 - 11.2023
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Approved or denied loan applications and explained reasoning behind decisions.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Issued conditional approvals when necessary based on additional documentation requirements being met by applicants.
- Monitored changes in customer information such as job status or address updates during the underwriting process.
- Assessed risk factors associated with each loan application based on established guidelines.
- Evaluated borrower's credit reports from major bureaus including Equifax, Experian, TransUnion.
- Verified employment history, bank statements, tax documents and other financial records for completeness and accuracy.
Indirect Auto Loan Underwriter
Wells Fargo Dealer Services
Overland Park, KS
03.2012 - 06.2014
- Reviewed loan applications to ensure accuracy and compliance with company standards, policies and procedures.
- Verified employment history, bank statements, tax documents and other financial records for completeness and accuracy.
- Evaluated borrower's credit reports from major bureaus including Equifax, Experian, TransUnion.
- Assessed risk factors associated with each loan application based on established guidelines.
- Recommended appropriate solutions when discrepancies occurred between documents submitted by applicants and those found in the credit report.
- Issued conditional approvals when necessary based on additional documentation requirements being met by applicants.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Approved or denied loan applications and explained reasoning behind decisions.
Credit Analyst
Ferrellgas
Kansas City, MO
04.2010 - 03.2012
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Identified areas where additional information was needed to complete a thorough analysis.
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
Collections Supervisor
Wells Fargo Dealer Services
Kansas City, MO
02.2001 - 01.2010
- Produced monthly reports detailing progress against established goals for collections activity.
- Directed collection staff to ensure timely and efficient contact with customers regarding past due accounts.
- Monitored daily work flow of the collection staff, providing feedback and coaching as needed.
- Conducted regular meetings with the collection team to discuss goals, objectives, and performance metrics.
- Ensured compliance with all applicable laws, regulations, policies and procedures related to collections activities.
- Provided guidance and direction to employees on proper collection techniques that adhered to company policy.
- Coordinated the transfer of bad debt portfolios between internal departments in accordance with legal requirements.
Education
MBA - Business Administration And Management
Keller Graduate School of Management
Kansas City, MO12.2015
Bachelor of Science - Organizational Management And Leadership
Friends University
Wichita, KS10.2004
Skills
- Income Evaluation
- Credit File Updating
- Customer Relations
- Terms Definition
- Attention to Detail
- Loan Processing Coordination
- Credit History Review
- Application Review
- Loan Feasibility Assessment
- Creditworthiness Determination
- Loan File Maintenance
- Active Listening and Learning
- Customer Service
- Decision-Making
- Staff Management
- Data Entry
- Application Coordination
- Fraud Detection and Prevention
- Client Interview
- Collections Management
- Performance Assessment and Improvement
- Collections Proficiency
- Process Improvement
- Basic Mathematics
- 10-Key Data Entry
- Microsoft Office
- Debt and Credit Management
References
References available upon request.
Timeline
Indirect Auto Loan Underwriter
U.S. Bank
09.2014 - 11.2023
Indirect Auto Loan Underwriter
Wells Fargo Dealer Services
03.2012 - 06.2014
Credit Analyst
Ferrellgas
04.2010 - 03.2012
Collections Supervisor
Wells Fargo Dealer Services
02.2001 - 01.2010
MBA - Business Administration And Management
Keller Graduate School of Management
Bachelor of Science - Organizational Management And Leadership
Friends University
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