A highly skilled and results-oriented banking and underwriting professional with 5 years of experience in financial analysis, risk assessment, and loan underwriting. Proven expertise in evaluating creditworthiness, conducting detailed financial assessments, and managing loan portfolios for both personal and commercial clients. Adept at applying regulatory guidelines, ensuring compliance with industry standards, and driving sound decision-making to minimize risk while supporting business growth. Demonstrates strong communication and interpersonal skills, consistently building positive relationships with clients, colleagues, and stakeholders. Highly organized and detail-oriented, with a commitment to delivering exceptional service and contributing to the overall success of the organization.
-Reviewed and analyzed credit applications, financial documents, and customer information to assess the risk and determine the creditworthiness of potential borrowers.
-Made informed decisions regarding loan approvals or denials, ensuring that they align with company policies, risk tolerance, and regulatory requirements.
-Ensured that all loan decisions were made in compliance with internal credit policies, as well as industry regulations and guidelines.
-Communicated with dealers and internal teams to clarify credit information, provide updates, and explain credit decisions in a clear and professional manner.
-Monitored and managed the overall risk portfolio by maintaining a balance between loan growth and credit quality.
-Maintained accurate records of all credit decisions and document rationales for approvals and denials.
-Generated and reviewed reports to track performance and ensure compliance with lending guidelines.
-Stayed up-to-date with industry trends, regulatory changes, and best practices in credit analysis and auto lending. Provide recommendations for process improvements to enhance efficiency and reduce risk.
-Worked closely with the sales and operations teams to ensure smooth and efficient loan origination processes.
-Management experience
-Risk analysis
-B2B/B2C
-Banking
-Finance
-Underwriting
-Loan processing
-Cash management
-Auditing
-Client Management