Nastassia Malone
Carrollton,TX
Summary
Dynamic Credit Underwriter with expertise from JPMorgan Chase in credit risk assessment and regulatory compliance. Proven ability to enhance underwriting processes and improve turnaround times. Strong analytical skills combined with exceptional communication fostered effective collaboration with loan officers, resulting in improved decision-making and customer satisfaction.
A finance professional with strong foundation in credit underwriting and risk management. Proven ability to assess creditworthiness and make sound credit decisions. Valued team member known for collaboration and flexibility in meeting organizational goals. Expertise in financial analysis and risk assessment.
Overview
17
17
years of professional experience
Work History
Credit Underwriter
JPMorgan Chase
01.2024 - Current
- Evaluated credit applications to assess risk and compliance with lending policies.
- Analyzed borrower financial data to determine loan eligibility and repayment capacity.
- Collaborated with loan officers to streamline underwriting processes and improve turnaround times.
- Conducted thorough reviews of credit reports, income statements, and other relevant documentation.
- Maintained accurate records of underwriting decisions in compliance with regulatory standards.
- Assisted in developing guidelines for improved assessment of creditworthiness within the department.
- Maintained up-to-date knowledge of market trends, allowing for informed decision making in evaluating applications.
Customer Service Representative
Wells Fargo & Company
01.2021 - 01.2024
- Resolved customer inquiries efficiently, enhancing overall satisfaction and loyalty.
- Processed transactions accurately, ensuring compliance with financial regulations and company policies.
- Collaborated with team members to streamline communication processes, improving response times.
- Developed and maintained knowledge of products and services, providing expert guidance to customers.
- Analyzed customer accounts to identify patterns in payment behavior and recommend solutions.
- Provided exceptional service by addressing escalated issues effectively and efficiently.
- Managed high-volume call center environment, handling inbound and outbound calls professionally and efficiently.
- Increased customer satisfaction by promptly addressing and resolving account issues.
Customer Service Representative
Cardinal Health
11.2008 - 01.2020
- Assisted in training new staff on customer service protocols and systems, fostering a collaborative environment.
- Analyzed customer feedback to identify trends, informing improvements in service delivery strategies.
- Implemented best practices for conflict resolution, effectively addressing escalated customer issues.
- Participated in cross-departmental initiatives to enhance service offerings and operational efficiency.
- Enhanced patient satisfaction by efficiently addressing and resolving healthcare-related inquiries.
- Managed difficult conversations with compassion and professionalism, helping deescalate tense situations while maintaining a focus on finding resolutions.
Education
No Degree - Biology
University of Arkansas At Pine Bluff
Pine Bluff, AR05-2028
High School Diploma -
Pine Bluff High School
Pine Bluff, AR05-2004
Skills
- Credit risk assessment
- Loan eligibility analysis
- Regulatory compliance
- Financial data analysis
- Underwriting guidelines development
- Credit report evaluation
- Customer relationship management
- High-volume call management
- Escalated issue resolution
- Documentation review
- Credit analysis
- Credit scoring
- Credit decision making
- Application status reviews
- Underwriting policies
- Customer service
- Time management
- Attention to detail
- Problem-solving abilities
- Multitasking Abilities
- Excellent communication
- Active listening
- Verbal and written communication
- Decision-making
- Relationship building
- Organizational skills
Accomplishments
Gaining additional lending authority
Languages
English
Timeline
Credit Underwriter
JPMorgan Chase
01.2024 - Current
Customer Service Representative
Wells Fargo & Company
01.2021 - 01.2024
Customer Service Representative
Cardinal Health
11.2008 - 01.2020
No Degree - Biology
University of Arkansas At Pine Bluff
High School Diploma -
Pine Bluff High School