Lou Jones

Work History

Enterprise Commercial Credit Underwriter

T-Mobile USA

Sacramento, CA

12.2021 - Current

Analyze complex commercial credit applications received from direct business sales executives to determine eligibility
Achieved excellent approval rate of 78% and delinquency rate of 5% by optimizing underwriting process, conducting in-depth credit analysis, and managing approval/rejection of applications to minimize credit losses.
Decreased fraudulent applications by 27% within month by implementing innovative process of identifying fraudulent tax returns
Communicate professionally with internal and external stakeholders
Audit financial documents and accuracy of data input by government and private sales executives
Interpret company underwriting guidelines and procedures and provide recommendations to upper management to implement updates and improvements when warranted
Deliver insightful credit analysis, ensuring compliance with credit scoring and risk mitigation guidelines
Perform comprehensive analysis of business industry, financial data, risk assessments, financial statements, and economic trends.
Supported review and acceptance or denial of new or renewal business.
Determined and documented loan conditions and communicated requirements and decisions.
Examined credit reports, financial statements and tax returns to determine repayment capability.
Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
Made approval and denial recommendations by determining accurate risk levels.
Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Monitored market conditions and economic trends to identify and limit potential risks.
Evaluated loan applications for affordability and conformance with underwriting guidelines.
Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
Collaborated with other professionals to develop innovative underwriting solutions.
Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
Used strong analytical and problem-solving skills to develop effective solutions for challenging situations
Proved successful working within tight deadlines and fast-paced environment
Paid attention to detail while completing assignments
Resolved problems, improved operations and provided exceptional service
Self-motivated, with strong sense of personal responsibility
Proved successful working within tight deadlines and fast-paced environment
Self-motivated, with strong sense of personal responsibility
Proved successful working within tight deadlines and fast-paced environment

Sr. Internal Loan Officer

Travis Credit Union

Vacaville, CA

03.2020 - 12.2021

Guide clients on market conditions, prices, mortgages, and legal requirements to support informed decision-making
Received prestigious award for highest volume by processing approx. 13 applications month with average loan size of $600K.
Negotiate terms under loan amount and interest rate will be extended including costs, repayment method and collateral requirements
Draft and deliver multiple documents, ensuring accuracy and transparency
Conducted investigation of clients' financial and credit status to evaluate eligibility for financing
Standardize loan application process, guiding clients on market conditions and legal requirements
Managed high call volume from loan applicants including follow up throughout application process.
Maintained strict confidentiality of bank records and client information.
Submitted loan applications to underwriter for verification and recommendations.
Originated, reviewed, processed, closed, and administered customer loan proposals.
Assisted customers in understanding loan terms and conditions to make informed decisions.
Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Utilized risk management strategies to attain high loan approval rates.
Examined customer loan applications for loan approvals and denials.
Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
Developed strong relationships with customers through high levels of customer service.
Advised clients on mortgage, education and personal loans.
Compiled database of loan applicants' credit histories, financial statements and other financial information.
Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Proactively identified solutions for customers experiencing credit issues.
Evaluated loan requests and documents to verify accuracy and completeness.
Supervised loan personnel and motivated to maintain customer service and performance standards.
Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Negotiated loan terms and conditions with customers to secure best deal.
Researched and updated industry knowledge on changing legislation and regulations.
Explained very technical financial information to applicants in easy to understand language.
Compiled closing packages for drafting and presentation accuracy.
Monitored pipelines to track and log status of loans.
Processed loan applications and monitored progress from start to finish.
Developed systems to efficiently track loan documents and enhance accuracy.
Demonstrated respect, friendliness and willingness to help wherever needed
Participated in team projects, demonstrating ability to work collaboratively and effectively
Applied effective time management techniques to meet tight deadlines
Proved successful working within tight deadlines and fast-paced environment
Excellent communication skills, both verbal and written
Exercised leadership capabilities by successfully motivating and inspiring others
Used critical thinking to break down problems, evaluate solutions and make decisions
Acted as team leader in group projects, delegating tasks and providing feedback
Developed and maintained courteous and effective working relationships

Business Tax Return Analyst

CA Dept. Of Tax & Fee Administration

Sacramento, CA

01.2019 - 03.2020

Managed investigations to authenticate business sales and use tax returns and other forms and information
Identified and corrected $80K in errors and $600K over seven years by utilizing well-developed analytical proficiencies
Interpret and apply sales and use tax law, transaction tax law, regulations, and annotations to ensure taxpayer compliance
Independently establish determinations for additional tax, interest, and penalties, ensuring compliance and accurate billing
Respond to taxpayer written and telephone inquiries regarding state sales and uses tax
Prepare correspondence, memorandums, audit letters, etc., as required.
Performed system analysis, documentation, testing, implementation, and user support for platform transitions.
Validated results and performed quality assurance to assess accuracy of data.
Assessed data modeling and statistics to integrate high-level business processes with data rules.
Identified and resolved problems through root cause analysis and research.
Performed budget analysis to control expenditures and predict future budget needs.
Collected, arranged, and input information into database system.
Developed and updated tracking spreadsheets for process monitoring and reporting.
Gathered, organized and input information into digital database.
Generated reports detailing findings and recommendations.

Consumer Credit Analyst

Golden 1 Credit

Sacramento, CA

09.2012 - 01.2019

Formulate and submit detailed credit recommendations to facilitate approval and rejection process
Secured loan approval rate of 80% and maintained low default rate of 10% by performing extensive risk analysis and implementing accurate lending criteria.
Approve, decline, or counter loan requests within assigned credit limit
Build accurate financial ratios to evaluate customers’ financial status and creditworthiness
Manage high call volume with internal stakeholders and customers
Maintain current understanding of credit union/banking policies and procedures in compliance with all federal and state laws, Identity Theft Red Flags, etc
Promoted from Member Service Representative to Dealer Service Processor for exceptional performance and demonstrated expertise in providing superior customer service
Advanced to position of Credit Analyst based on outstanding performance in evaluating credit applications, conducting financial analysis, and maintaining strong client relationships.
Made decisions and recommendations about extending lines of credit.
Assessed credit risk and analyzed financial statements.
Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
Attended credit-related training and conferences to stay informed about industry trends and developments.
Analyzed credit scores to determine borrowers' creditworthiness.
Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
Gathered loan documentation for underwriting.
Conducted presentations to upper management and executive teams for loan recommendations.
Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
Developed credit models to assist in the credit underwriting process.
Complied with internal controls and government regulations.
Investigated and resolved customer disputes related to credit decisions.
Negotiated payment plans and loan terms with delinquent customers.
Maintained compliance with applicable regulations and laws governing consumer credit.
Performed credit reviews on corporations to assess financial conditions.
Analyzed customer data such as financial statements to determine level of risk involved for extending credit
Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews
Made decisions and recommendations about extending lines of credit
Assessed credit risk and analyzed financial statements
Attended credit-related training and conferences to stay informed about industry trends and developments
Collaborated with other teams to identify and mitigate risks impacting organization
Monitored credit accounts routinely to identify and mitigate issues and prevent losses
Conducted industry research to understand economic conditions impacting borrower ability to repay loans
Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags
Conducted presentations to upper management and executive teams for loan recommendations
Gathered loan documentation for underwriting
Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions
Analyzed creditworthiness of loan applicants and determined credit risk of loan requests
Negotiated payment plans and loan terms with delinquent customers
Created credit policies, processes and procedures to maintain compliance with banking regulations
Investigated and resolved customer disputes related to credit decisions

Assistant Manager, Insurance Agent

Freeway Insurance

Sacramento, CA

07.2010 - 09.2012

Monitor sales activities, analyze sales data, and maximize sales effectiveness
Foster strong client relationships and identify new business opportunities
Supervise growth and development of team of Insurance Agents
Manage training sessions to instruct new employees on best client portfolio development methodologies.
Maintained high standards of customer service by building relationships with clients.
Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
Responded to customer calls swiftly to resolve issues and answer questions.
Reviewed sales and gross profit report to assess company efficiency.
Made hiring recommendations to increase company's productivity and profitability with quality workers.
Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service.
Obtained underwriting approval by completing application for coverage.
Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
Developed loyal and highly satisfied customer base through proactive management of team customer service strategies.
Developed strategy to increase sales and drive profits.
Prepared and reviewed insurance applications to verify compliance with regulations.
Supervised day-to-day operations to meet performance, quality and service expectations.
Created detailed reports for management to track performance and sales.
Utilized CRM software to manage client relationships.
Identified potential risks in client businesses and recommended appropriate insurance coverage.
Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service

Summary

Overview

Work History

Enterprise Commercial Credit Underwriter

Sr. Internal Loan Officer

Business Tax Return Analyst

Consumer Credit Analyst

Assistant Manager, Insurance Agent

Education

Bachelor of Arts - Economics, Business Administration

Skills

Work Availability

Timeline

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