Nathan Gunton
Pataskala,OH
Summary
Detail-oriented Consumer Loan Underwriter, with 10+ years of experience, focused on minimizing risk while maximizing business profits. Manages portfolios averaging $ 7,000,000 monthly with a track record of industry success. Personable and communicative with a focus on customer retention and satisfaction.
Overview
14
14
years of professional experience
Work History
Consumer Loan Underwriter
Wells Fargo
08.2012 - 04.2023
- Achieved top 5 rating, company wide, for number booked originations for approved, declined or counter-offered loans with lender levels up to $100k.
- Retained clients by establishing rapport and relationships delivering successful user experiences.
- Accelerated loan closings by effectively training new underwriters and loan document specialists.
- Reduced loan approval lags by ensuring adherence to all loan conditions.
- Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
- Used Credit Review to underwrite Auto loans and manage portfolios.
- Adapted to rapid changing industry and company standards due to economic challenges while keeping in line with regulatory compliance.
Senior Collections Specialist
Wells Fargo
02.2009 - 08.2012
- Worked in call center environment handling inbound manual and automatically dialed and outbound calls 150+ per day
- Generated monthly billing and posting reports for management review.
- Negotiated re-payment plans by identifying causes of delinquent payments to assist in recovery of debt and meet realistic timeframes or collect balance in full.
- Applied critical thinking and market tools such as Lexis Nexis and Innovis to aid in asset recovery to minimize potential risk/losses.
- Consistently met department collection goals month over month with maximum reduction of loan losses.
- Quantified debtor balances to avoid late payments and bad credit.
- Collaborated with customers to resolve disputes.
Education
High School Diploma -
Reynoldsburg High School
Reynoldsburg, OH06.2000
Skills
- Portfolio Management
- Strategic Risk Management
- Analyze Financial Records
- Recommend Strategies
- Manage Reputational Risk
- Detail Oriented
- Communication Skills
- Microsoft Excel
- Loan Servicing
- Credit Lines
Hobbies/Interests
I am a huge sports fan. Due to my wife and I having 5 children with individual hobbies and my love for Cleveland sports, time management is a must, as I do everything in my power to always be present and cheer them on, if not coaching the team. With my love for Cleveland sports, I have mastered the art of sticking with my team and entering each new week with a positive outlook even with a recent let down. I also enjoy serving in leadership positions with in my church.
Timeline
Consumer Loan Underwriter
Wells Fargo
08.2012 - 04.2023
Senior Collections Specialist
Wells Fargo
02.2009 - 08.2012
High School Diploma -
Reynoldsburg High School