Lindsey Thien
East Alton,IL
Summary
Results-driven underwriter with expertise in risk assessment and credit analysis. Proven ability to develop underwriting guidelines that improve decision-making consistency and reduce losses.
Overview
22
22
years of professional experience
Work History
Underwriter
XplorPay
08.2020 - Current
- Evaluated risk factors and determined approval terms for diverse client portfolios.
- Developed underwriting guidelines that enhanced decision-making consistency across departments.
- Conducted regular audits of underwriting decisions to ensure adherence to company policies and standards.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Developed strong relationships with account executives, leading to a higher volume of quality submissions and successful underwritings.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Evaluated risk factors and determined coverage terms for diverse client portfolios.
- Collaborated with sales teams to streamline underwriting processes and improve efficiency.
Indirect Credit Analyst
1st Midamerica Credit Union
05.2011 - 08.2020
- Evaluated financial statements and credit reports for informed decision-making.
- Analyzed credit applications to assess risk and determine loan eligibility.
- Provided insights on borrower trends, enhancing risk management strategies.
- Collaborated with team members to streamline credit evaluation processes.
- Developed credit policy recommendations based on market research and analysis.
- Mentored junior analysts in best practices for credit assessment and reporting.
- Presented findings to senior management, driving strategic lending decisions and policies.
- Made decisions and recommendations about extending lines of credit.
- Bolstered client relations and trust by providing clear explanations of credit decisions and suggestions for improvement.
Sales Associate
Maurices
10.2009 - 12.2011
- Collaborated with team members to execute promotional events, driving increased foot traffic and sales growth.
- Mentored junior staff on best practices for customer interactions and upselling techniques, enhancing overall service quality.
- Implemented process improvements that streamlined operations and increased efficiency within the sales floor environment.
- Analyzed inventory levels regularly, contributing to effective stock management and replenishment strategies.
Sales Associate
Bath & Body Works
05.2006 - 08.2011
- Delivered exceptional customer service to enhance shopping experiences and foster brand loyalty.
- Processed transactions accurately using point-of-sale systems, ensuring efficient checkout operations.
- Assisted in merchandising products effectively to maximize sales potential and maintain visual standards.
- Trained new associates on product knowledge and customer engagement techniques to improve team performance.
Accounts Payable Clerk
Robert's Ford
07.2004 - 06.2008
- Processed vendor invoices accurately and efficiently to ensure timely payments.
- Reconciled accounts payable transactions to maintain accurate financial records.
- Collaborated with cross-functional teams to resolve discrepancies in billing.
- Mentored junior staff on best practices for invoice processing and compliance.
Education
Bachelor of Science - Political Science
Southern Illinois University, Edwardsville
Edwardsville, IL05.2020
Skills
- Underwriting guidelines
- Risk assessment
- Regulatory compliance
- Loan decisions
- Risk mitigation
- Analyzing data
- Documentation review
- Relationship building
- Organizational skills
- Time management
- Multitasking
- Problem-solving
Timeline
Underwriter
XplorPay
08.2020 - Current
Indirect Credit Analyst
1st Midamerica Credit Union
05.2011 - 08.2020
Sales Associate
Maurices
10.2009 - 12.2011
Sales Associate
Bath & Body Works
05.2006 - 08.2011
Accounts Payable Clerk
Robert's Ford
07.2004 - 06.2008
Bachelor of Science - Political Science
Southern Illinois University, Edwardsville