Manett Vischer
Phoenix,AZ
Summary
Detail-oriented Senior Credit Analyst with extensive experience in credit analysis, risk assessment, and loan compliance. Skilled in evaluating borrower risk and collaborating effectively with teams to ensure accurate lending decisions. I am able to work in high volume atmosphere. I coached and assisted in junior underwriters' decision.
Overview
10
10
years of professional experience
Work History
Senior Credit Analyst
Arizona Financial Credit Union
Phoenix, AZ
08.2022 - Current
- Analyzed credit reports to assess borrower risk and creditworthiness.
- Reviewed loan applications to ensure adherence to lending policies, enhancing risk management.
- Collaborated with loan officers to assess risk factors, contributing to informed lending decisions.
- Conducted audits on teammates' decisions to verify accuracy and compliance, reinforcing quality control.
Consumer Lending Underwriter 1 & 2
Arizona Financial Credit Union
Phoenix, Arizona
08.2016 - 08.2022
- Evaluated consumer loan applications for risk and compliance standards.
- Analyzed credit reports to determine borrower eligibility and repayment capacity.
- Analyzed borrower's ability to pay off debts by examining their current income levels and expenses.
- Assessed risk factors associated with loans including applicant's debt-to-income ratio and capacity to repay the loan.
- Determined whether loans should be approved, declined, or counter-offered.
- Determined appropriate loan terms based on customer profile and credit score.
- Mentored junior underwriters on best practices and regulatory requirements.
Education
High School Diploma -
Shadow Mountain High School
Phoenix05-1992
Skills
- Credit analysis
- Risk assessment
- Loan compliance
- Debt evaluation
- Data analysis
- Consumer lending
Achievements
- Consistently reviewed most applications each month in Consumer Lending Underwriting.
- Consistently achieved highest loan dollars in position while demonstrating minimal loan losses.
Timeline
Senior Credit Analyst
Arizona Financial Credit Union
08.2022 - Current
Consumer Lending Underwriter 1 & 2
Arizona Financial Credit Union
08.2016 - 08.2022
High School Diploma -
Shadow Mountain High School