MICHAEL REESE
Saint Louis ,MO
Summary
Seasoned Underwriting Professional with over 10 years in personal and commercial underwriting. Specializes in credit risk assessment, policy development, and rate determination. Analyzes financial documentation and risk factors to evaluate potential losses and determine coverage. Delivers sound underwriting decisions and effective risk mitigation strategies.
Overview
11
11
years of professional experience
Work History
Sr. Underwriter
Lou Fusz Automotive Network
10.2018 - Current
- Managed a $50M+ consumer & commercial portfolio achieving a 11% improvement in loss ratios through enhanced risk assessment.
- Underwritten a diverse portfolio of personal & commercial accounts, balancing risk, client needs, product penetration, profitability, & compliance.
- Created detailed reports tracking metrics, quarterly variance analysis, funding projections, & credit guidelines to enhance portfolio management.
- Underwrote and processed more than 5500 auto loans, which resulted in lending over $102M.
- Established underwriting policies & procedures aligned with company objectives to mitigate risk.
- Managed underwriting team of four, overseeing schedules and monitoring activities/documents to ensure compliance and efficiency.
Loan Officer
One Main Financial
01.2016 - 08.2017
- Generated over $3.1 million in new business through networking & exceeding quarterly sales goals by 19%.
- Oversaw $20M consumer loan portfolio, growing asset size by 16% through strategic management.
- Expanded referral networks by cultivating strong B2B relationships with local banks and loan firms, enhancing collaboration.
- Evaluated credit reports, income documentation, and debt-to-income (DTI) ratios to ensure compliance with lending regulations, mitigating default risks.
- Expanded referral networks by building strong B2B relationships with local banks & loan firms.
Education
F & I Finance Manager Professional Certification - Finance
Brown & Brown Insurance
01-2026
Ethics & Finance Compliance - Finance
Brown & Brown Insurance
01-2026
Lean Six Sigma Certification ( Yellow Belt ) - Lean Management
AIGPE
04-2025
Business Credit and Financing Certification - Commercial Credit & Finance
Credit Suite
02-2024
Skills
- Loan Underwriting
- Credit risk analysis
- Deal Structuring
- Financial Statement Analysis
- Quantitative Analysis
- Data Analysis Tools
- Team Leadership
- Stakeholder management
- Risk Assessment
Timeline
Sr. Underwriter
Lou Fusz Automotive Network
10.2018 - Current
Loan Officer
One Main Financial
01.2016 - 08.2017
F & I Finance Manager Professional Certification - Finance
Brown & Brown Insurance
Ethics & Finance Compliance - Finance
Brown & Brown Insurance
Lean Six Sigma Certification ( Yellow Belt ) - Lean Management
AIGPE
Business Credit and Financing Certification - Commercial Credit & Finance
Credit Suite