Nasiha Barut
Seattle,WA
Summary
Professional experienced financial services and consumer lending professional with 20+ years of expertise. Strong foundation in risk assessment, financial analysis, and decision-making.
subject matter expert in evaluating creditworthiness, analyzing financial statements, and managing risk exposure in high-volume environments while maintaining high and accurate performance. Adept at fostering team collaboration and adaptable to changing needs to ensure optimal results. Known for precision, reliability, and delivering impactful outcomes in underwriting.
Overview
25
25
years of professional experience
Work History
Underwriter I
USAA
Seattle, WA
01.2017 - Current
- Rendered credit decisions for high-volume consumer loans and credit card applications while ensuring compliance with Fair Lending and underwriting policies.
- Used established procedures and guidelines to underwrite higher-risk loan and credit files, including insider loans and niche lending products, while ensuring compliance with regulatory requirements.
- Assessed borrower creditworthiness through detailed review of credit reports, income documentation, debt obligations, and risk indicators.
- Applied extensive underwriting experience to make lending decisions with a sophisticated level of authority while effectively mitigating credit risk exposure for the bank.
- Reviewed member-provided documentation for accuracy and alignment with company and industry standards.
- Documented loan decisions, communicated underwriting outcomes, and identified provisions necessary to complete loan approvals.
- Ensured loan agreements were complete, accurate, and compliant with company policies and underwriting standards.
- Assisted with loan scenario analysis and product guidance to support accurate lending decisions and member solutions.
- Identified fraudulent activity through investigative file reviews, reducing improper approvals and minimizing financial risk exposure.
- Maintained consistent SLA performance while managing a large underwriting pipeline in a fast-paced environment.
- Handled sophisticated member issues and performed remediations when necessary.
- Participated in and supported projects related to process improvements and operational efficiency initiatives.
- Maintained advanced knowledge of Consumer Lending and Credit Card portfolio underwriting guidelines and procedures.
- Served as mentor and subject matter resource for junior underwriters, supporting onboarding, training, and operational consistency.
- Collaborated cross-functionally with operations, servicing, and leadership teams to improve workflow efficiency and member experience.
- Ensured risks associated with business activities were identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
Senior Financial Center Specialist
USAA
San Diego, CA
01.2010 - 01.2017
- Managed complex member complaint resolution and de-escalation through collaboration with leadership and enterprise partners.
- Delivered acquisition and servicing support across multiple product lines including consumer loans, deposits, credit cards, and insurance.
- Performed acting manager responsibilities including escalations management, operational support, and service oversight.
- Collaborated with IT and Financial Center leadership to identify and reduce recurring operational and technical issues.
- Managed reporting and audit-related tasks to improve operational efficiency and compliance.
- Trained and mentored new hires across multiple banking and lending functions.
- Supported staffing and operational coverage for multiple Financial Centers nationwide.
- Maintained expertise across consumer lending products, deposits, credit cards, and insurance offerings.
Bank Originations Associate Counselor
USAA
Phoenix, AZ
01.2005 - 01.2010
- Supported consumer loan originations and servicing within a high-volume banking environment.
- Maintained compliance and product knowledge across lending, deposits, and credit card products.
- Strengthened member relationships through consultative service and financial product recommendations.
- Assisted members with account servicing, lending inquiries, and financial education.
Fraud Account Manager
Discover Financial Services
Phoenix, AZ
01.2001 - 01.2005
- Investigated fraud claims and account escalations while protecting customers and reducing financial risk.
- Conducted fraud research and account analysis to resolve complex customer issues efficiently.
- Managed customer retention and complaint resolution in a fast-paced financial services environment.
- Collaborated with team members and leadership on escalated fraud investigations.
Education
Bachelor of Science - Business
Western International University
Phoenix, AZSkills
- Loan underwriting expertise
- Risk Assessment
- Credit Analysis
- Consumer loan management
- Fraud Detection & Prevention
- Underwriting guidelines
- Analyzing data
- Documentation review
- Quality assurance
- Fair Lending Compliance
- Loan processing expertise
- Banking processes management
- Regulatory Compliance
- SLA Management
- Portfolio Risk Mitigation
- Customer Retention
- Cross-Functional Collaboration
- Team Mentorship
- Operational efficiency enhancement
Accomplishments
- Consistently recognized as a top performer across multiple monthly performance periods through strong productivity, quality, and member service results.
- Received recognition for enhancing Consumer Lending application access and optimizing layout efficiency to improve usability.
- Played a key role in launching and developing multiple Financial Center teams across diverse geographic markets.
- Recognition for increased team sales and referrals through audit improvement initiatives
Languages
Croatian
Native or Bilingual
Timeline
Underwriter I
USAA
01.2017 - Current
Senior Financial Center Specialist
USAA
01.2010 - 01.2017
Bank Originations Associate Counselor
USAA
01.2005 - 01.2010
Fraud Account Manager
Discover Financial Services
01.2001 - 01.2005
Bachelor of Science - Business
Western International University