Summary
Overview
Work History
Education
Skills
Timeline
Generic

Owen Cauley

McKinney,TX

Summary

Professional with strong foundation in risk assessment, financial analysis, and decision-making. Skilled in evaluating creditworthiness, analyzing financial statements, and managing risk exposure. 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

8
8
years of professional experience

Work History

Underwriter I

Republic Finance
12.2023 - Current
  • Review loan applications to ensure that all legal regulations and company policies are met
  • Research all areas of an applicant’s financial background, including employment history, and credit reports to determine lending risk
  • Advise the company on whether or not to approve an application based on risk assessment
  • Fostered innovation in underwriting methods, by analyzing previously approved loans to identify trends and recommend changes to credit policy

Assistant Branch Manager

Republic Finance
09.2021 - 12.2023
  • Manage branch accounts, collecting payments and soliciting current/new customers while offering excellent customer service
  • Originate new business through credit applications for new and existing customers and closing loans through electronic or in person signings
  • Collection efforts to keep current customers on pace with their contracts and limiting charge off potentials through payment arrangements with the branch.
  • Actively listen to understand our customer's needs to recommend the best consumer loan and voluntary product solutions to meet their financial goals
  • Educate customers on improving credit and reducing monthly costs through consolidation of debt

Project Transformation

AmeriCorps
05.2019 - 08.2019
  • Worked in a leadership position with fellow team members to teach reading to underprivileged children from various districts in Dallas
  • Various volunteer opportunities through this program such as North Dallas Food Bank, summer camp counseling, etc.

Intern

Siemens Internship
05.2017 - 08.2017
  • Worked at manufacturing plant for Siemens on the plant floor with management and engineering to streamline logistics
  • Was a part of re-organization project of floor space to improve workflow and increase productivity between departments and storage areas
  • Analyzed problems and worked with teams to develop solutions.
  • Sorted and organized files, spreadsheets, and reports.

Education

BBA - Business Administration, East Asian Studies

Austin College
Sherman, TX
05.2021

Skills

  • Python Basics - manipulate data
  • Account Collections
  • Risk assessment
  • Cash Handling
  • Loans
  • Spreadsheet Tracking
  • Financial Product Advisement
  • Credit Application Review
  • Underwriting guidelines
  • Loan Product Expertise

Timeline

Underwriter I

Republic Finance
12.2023 - Current

Assistant Branch Manager

Republic Finance
09.2021 - 12.2023

Project Transformation

AmeriCorps
05.2019 - 08.2019

Intern

Siemens Internship
05.2017 - 08.2017

BBA - Business Administration, East Asian Studies

Austin College

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