Summary
Overview
Work History
Education
Skills
Additional Information
Timeline
Generic

Linda L Hayes

DeBary

Summary

I am a goal oriented and detail driven professional seeking a challenging position as a Remote/Hybrid Consumer Loan Underwriter in a dynamic financial Institution. Dedicated to providing exceptional support to the Lending Department and ensuring smooth and efficient loan processing. Eger to leverage my strong qualifications, attention to detail and commitment to customer service and to contribute to the success of the Lending Team and Organization.

Overview

42
42
years of professional experience

Work History

Senior Consumer Loan Underwriter

MCCOY FEDERAL CREDIT UNION
10.2022 - Current

*Responsible for assessing the credit risk for credit cards and all consumer loans, making an approval or decline decision based on internal underwriting guidelines and federal regulation's to ensure loan quality and production standards. Maintaining a 1% delinquency ratio over a $5mil portfolio.

*Monitored Lending pipeline and supervised controls to ensure loan applications are meeting regulatory requirements and timelines.

*Ensure loan documents are accurate and complete and sufficient to clear all conditions for final approval and closings within my delegated authority. Passing internal/external quality control audits with no major deficiencies resulting in a 95% accuracy rate.

*Provide lending support in other areas as needed such as E services and Indirect Funding and processing to streamline a healthy workflow and meeting their perspective timelines.

*Mentored and support training initiatives fro the lending team as it relates analyzing loan applications, compliance, regulatory guidelines and policy changes resulting in improved production and minimalizing errors.

*Participated in offsite Business Development programs to New and existing employer groups to educate on the Lending program and products.

BRANCH MANAGER

MCCOY FEDERAL CREDIT UNION
06.1982 - 10.2002

*Supervised a team of up to 15 branch personnel to achieve sales goals and in compliance with federal regulations and corporate guidelines, focusing on external business development, internal training and superior customer service.

*As the original Branch Manager of 3 locations, I created a profitable branch within 5years and received excellent audit reviews for safety and soundness.

*Accountable for day to day operations within the branch to include the Lending Center.

*Conducted regular coaching/mentoring sessions with all branch personnel to create a strong team environment and develop competent employees who grow within the company.

*Maintained productive relations with various internal departments, their Management and Senior Management leading to success in a variety of projects and a cohesive work environment.

*Handled escalated customer concerns/complaints and devised a creative solution to ensure customer loyalty and satisfaction.

Education

Bank Administration Training And Development

Associate of Science - Business Administration

Valencia College
Orlando, FL
1981

Skills

*Branch Management and Operations

*Customer Service

*Time Management

*Strong Communication

*Organizational skills

*Crisis Management

*Self Motivated

*Financial Lending Regulations

*Relationship Development

Additional Information

*Proficient in Microsoft office with focus on Excel

*Extensive knowledge of all Credit Bureaus

*Financial software: Teams, Outlook, Meridian, Symitar Quest, JHA Xperience, Dealer Track


Timeline

Senior Consumer Loan Underwriter

MCCOY FEDERAL CREDIT UNION
10.2022 - Current

BRANCH MANAGER

MCCOY FEDERAL CREDIT UNION
06.1982 - 10.2002

Bank Administration Training And Development

Associate of Science - Business Administration

Valencia College
Linda L Hayes