Mallory Carter

• Analyze, evaluate, and approve indirect consumer loan and lease applications, including but not limited to auto loans and leases, RV loans, and boat loans in accordance with industry and business unit standards. Manage and execute underwriting decisions for dealer relationships as well as building relationships that will grow loan volumes and credit quality with the assigned dealerships.
• Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
• Analyzed financial information including income, assets, liabilities and credit history of applicants.
• Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
• Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
• Established maximum loan amounts according to underwriting standards and communicated decisions to customers.
• Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
• Provided guidance and assistance to junior underwriters on complex transactions.

Consumer Loan Underwriter 2-

• Reviewed loan applications to determine creditworthiness of applicants and analyzed financial information such as income, assets, liabilities, and credit history.
• Assessed risk factors associated with loans including applicant's debt-to-income ratio and capacity to repay the loan.
• Evaluated loan documents for accuracy and completeness in accordance with established guidelines.
• Determined appropriate loan terms based on customer profile and credit score.
• Performed detailed analysis of collateral values to support loan decisions.
• Investigated discrepancies between borrowers' stated incomes versus other sources of verification.
• Conducted research into background information about potential borrowers using multiple resources such as Experian or Equifax reports.
• Analyzed borrower's ability to pay off debts by examining their current income levels and expenses.

Consumer Loan Underwriter 1-

• Reviewed loan applications to ensure accuracy and compliance with company standards, policies and procedures.
• Researched financial background of potential borrowers to assess credit worthiness.
• Analyzed borrower's income, assets and liabilities to determine eligibility for loan approval.
• Calculated debt-to-income ratios to evaluate repayment capacity of applicants.
• Evaluated borrower's credit reports from major bureaus including Equifax, Experian, TransUnion.
• Maintained up-to-date knowledge of industry trends and best practices in underwriting processes.
• Assessed risk factors associated with each loan application based on established guidelines.

Consumer Loan Closer-

• Verified accuracy of all closing documents for completeness and compliance.
• Reviewed title commitments to ensure clear titles were obtained prior to closing.
• Explained loan terms, conditions, and payments to borrowers.
• Researched title issues as needed to resolve any discrepancies or questions that arose during the process.
• Processed changes to loan applications as requested by lender or customer.
• Communicated effectively with customers regarding their closing status.
• Worked closely with lenders to ensure timely closings.

• Meeting and exceeding sales goals while providing outstanding customer service skills.
• Provided customer service to clients, including answering questions and resolving issues.
• Conducted account openings and closings for clients.
• Greeted customers upon entering the bank and directed them to appropriate personnel or services.
• Assisted customers with deposits, withdrawals, transfers, loan payments and other banking transactions.
• Researched customer inquiries and reported findings in a timely manner.
• Responded promptly to customer emails, phone calls and requests for information.
• Cross-sold banking products such as credit cards, loans and investments.