Mirage Dunlay

• Evaluated complex loan, insurance, and commercial applications to assess risk, determine eligibility, and ensure compliance with underwriting guidelines and regulatory requirements.

• Conducted comprehensive risk assessments by analyzing financial statements, business operations, customer data, and supporting documentation to support underwriting decisions and policy approvals.

• Collaborated with agents and stakeholders to gather required information, clarify underwriting requirements, and develop tailored insurance solutions that met client needs.

• Enhanced underwriting quality and operational efficiency through process improvements that reduced turnaround times and streamlined workflow management.

• Assisted in the development and implementation of underwriting policies and guidelines to improve consistency, compliance, and decision-making.

• Mentored and trained junior underwriters and analysts on risk evaluation, fraud detection, and industry best practices.

• Analyzed transaction data, account activity, and customer information to identify fraudulent activity, emerging fraud trends, and potential financial risks.

• Performed fraud investigations on suspicious transactions and cases, minimizing financial losses through timely detection, escalation, and resolution.

• Increased fraud detection accuracy by leveraging advanced analytics, data analysis techniques, and monitoring tools to identify patterns, anomalies, and high-risk activity.

• Implemented fraud prevention strategies and monitoring controls that reduced fraud losses and strengthened risk management practices.

• Produced detailed investigative, underwriting, and performance reports for senior leadership, providing actionable insights on risk exposure, fraud trends, and operational performance.

• Maintained current knowledge of underwriting standards, fraud prevention regulations, and industry best practices to ensure ongoing compliance and effectiveness.

• Improved team performance by introducing new analytical techniques, optimizing reporting tools, and fostering collaboration through knowledge sharing and cross-functional communication.

• Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches
• Submitted loan applications to loan underwriter for verification and recommendation
• Engaged employees in business processes with positive motivational techniques
• Boosted branch sales by developing and deepening customer loyalty through incentive programs
• Identified and capitalized on community business opportunities with effective networking
• Held sales coaching sessions.
• Wrote reports detailing branch activities.
• Maintained friendly and professional customer interactions.
• Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
• Originated, reviewed, processed, closed and administered customer loan proposals.
• Data entry.
• Inbound and outbound sales and collection calls.
• ACH accounts.

• Cross-trained existing employees in order to maximize team performance.
• Hired, trained and mentored staff to maximize effectiveness.
• Conducted scheduled and impromptu evaluations to assess work performance.
• Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows to meet any daily demand.
• Trained new employees in specific job requirements.
• Provided management with feedback regarding employee performance and training needs.
• Maximized performance by monitoring daily activities and mentoring team of 6 associates.
• Maintained team efficiency by delegating daily activities.
• Took, gave change and verified over  thousands of dollars in  cash and credit payments daily, consistently maintaining accuracy and efficiency.
• Resolved issues with POS systems, card readers and receipt printers to prevent customer delays.
• Counted cash in register drawer to balance register at beginning and end of shift.