Summary
Overview
Work History
Education
Skills
Timeline
AdministrativeAssistant

Melissa East

Addis,LA

Summary

Indirect Underwriter with proven expertise at Essential Credit Union in assessing financial risk and evaluating dealership applications along with credit risk assessment and financial analysis. Utilized analytical skills and industry knowledge to make informed underwriting decisions. Successfully implemented strategies that enhanced underwriting accuracy and reduced defaults. Excelled in maintaining dealer relationships while ensuring compliance with regulatory standards, contributing to efficient loan processing and funding accuracy.


Overview

15
15
years of professional experience

Work History

Indirect Underwriter/Buyer

Essential Credit Union
08.2010 - 10.2025
  • Evaluated credit applications to determine risk and approve loan requests.
  • Analyzed financial data and borrower information for underwriting decisions.
  • Collaborated with automotive finance managers to clarify applicant details and improve processing efficiency.
  • Ensured loan decisions where processed quickly and sent back to dealerships.
  • Word with processors to ensure loans are funded within Credit Union guidelines and in a timely manner.
  • Implemented risk assessment strategies to enhance underwriting accuracy and reduce defaults.
  • Maintained monthly and daily funding report as well as a paper grade reporting for management.
  • Maintained dealer reserve and funded loan report and ensured payment to dealerships in a timely manner.
  • Invoiced dealer chargebacks for payment.
  • Ensured regulatory procedures are followed in accordance to the Federal and State Regulations and updated, as necessary.
  • Reviewed 1st payment defaults and charged off loans monthly.
  • Maintain Credit Union goals as to delinquency and charge offs and paper grade quality.
  • Maintain excellent dealer relationships.
  • Other projects as assigned.

Education

High School Diploma -

Haughton High School
Haughton, LA

Skills

  • Credit risk assessment
  • Financial analysis
  • Underwriting decisions
  • Loan processing
  • Regulatory compliance
  • Dealer relationship management
  • Funding accuracy
  • Risk assessment strategies
  • Data evaluation techniques

Timeline

Indirect Underwriter/Buyer

Essential Credit Union
08.2010 - 10.2025

High School Diploma -

Haughton High School

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Melissa East