Phillip Reed
Birmingham,AL
Summary
Hardworking with over 23 years of experience in Banking Industry. Excellent reputation for resolving problems and improving customer satisfaction. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level position. Ready to help team achieve company goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Analytical with expertise. Gifted in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.
Overview
26
26
years of professional experience
Work History
Auto Underwriting
Regions Bank
01.2015 - Current
- Demonstrated proficiency in reviewing customer credit history to determine ability to repay loan
- Used extensive expertise utilizing innovative approaches to loan preparation to ensure the surety of assets underwritten by the organization as well as ensuring that 30 minute turn time is met, continual learning to stay up to date on new federal policies and procedures
- Strong customer service skills working with loan officers
- Worked remote with limited supervision.
- Continuously improved underwriting skills by participating in professional development opportunities and staying informed about industry best practices.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
Direct Loan Underwriter
Regions Bank
08.2011 - 01.2015
- Demonstrated proficiency in all direct consumer products, lines of credit, collateral secured loans, unsecured loans as well as light farm equipment loans, extensive expertise utilizing innovative approaches to loan preparation to ensure surety of assets underwritten by organization as well as ensuring that 30 minute turn time is met, continual learning to stay up to date on new federal policies and procedures
- Helped train new underwriters that are hired
- Maintained regulatory compliance in all lending practices, staying up-to-date with industry standards and changes in legislation.
- Developed strong working relationships with internal and external stakeholders, fostering a collaborative environment to facilitate timely loan processing.
- Minimized losses by identifying potential risks in the early stages of the loan application process.
- Balanced multiple priorities while managing high volumes of loan applications during peak periods, consistently meeting deadlines without compromising quality or accuracy.
- Improved loan approval rates by conducting thorough risk assessments and evaluating borrowers'' financial capabilities.
- Mentored junior underwriters to enhance their knowledge and skills, leading to improved team performance overall.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Provided exceptional customer service throughout the loan origination process, addressing inquiries and concerns promptly.
Work Out Processor
Regions Bank
08.2009 - 08.2011
- Worked closely with Loss Mitigation and other collection departments within Regions to re-work loans for customers to keep loans out of foreclosure, dealt directly with customers to obtain needed documentation as well as explain terms and conditions of loan in process
- Strong customer service skills working with customers.
- Demonstrated flexibility when adapting to new processes or guidelines while maintaining consistently high levels of productivity.
- Supported team members in their tasks, contributing to overall team success.
- Managed multiple priorities simultaneously, maintaining organization even during peak periods.
- Reduced errors with meticulous attention to detail and thorough review of documentation.
- Adhered to strict deadlines for processing applications, ensuring timely approvals and client satisfaction.
- Consistently exceeded performance expectations with a focus on delivering top-notch results.
- Maintained accurate records and ensured timely completion of all necessary paperwork.
- Contributed to the achievement of department goals through consistent high-quality work.
- Provided outstanding customer service by promptly addressing inquiries and resolving issues.
- Increased productivity by effectively managing workload and prioritizing tasks.
- Assisted colleagues as needed, fostering a positive work environment based on teamwork and mutual supportiveness.
- Maintained accurate records to enable processor activity and performance monitoring.
- Collaborated with other departments to optimize production workflows.
Standard Equity Processor
Regions Bank
02.2005 - 08.2009
- Work directly with loan officers to obtain all needed information to process new equity line or loan requests, prepare closing documents with extreme accuracy to ensure correct terms and conditions on loan paper work
- Strong customer service skills working with loan officers and customers.
- Increased productivity by effectively managing workload and prioritizing tasks.
- Adhered to strict deadlines for processing applications, ensuring timely approvals and client satisfaction.
- Mastered industry-specific software tools to expedite data entry tasks and reduce manual input errors.
- Consistently exceeded performance expectations with a focus on delivering top-notch results.
- Developed expertise in various processing systems for increased efficiency and accuracy.
- Assisted colleagues as needed, fostering a positive work environment based on teamwork and mutual supportiveness.
- Demonstrated flexibility when adapting to new processes or guidelines while maintaining consistently high levels of productivity.
- Utilized strong analytical skills to identify potential risks or discrepancies within processed documents quickly.
- Contributed to the achievement of department goals through consistent high-quality work.
- Supported team members in their tasks, contributing to overall team success.
- Maintained accurate records and ensured timely completion of all necessary paperwork.
- Received and reviewed incoming documents and materials.
Copy Clerk
AmSouth Bank
09.2000 - 02.2005
- Reviewed copy of checks for quality to send to the customers
- Helped out when needed in making copies of checks from micro film.
Manager
Carmike Cinemas
01.1998 - 01.2000
- Responsible for Managing daily staff, handling customer complaints and making nightly deposits.
Education
Shades Valley High School
01.1998
Skills
- Data Interpretation
- Policy analysis
- Professionalism
- Written Communication
- Excellent Communication
- Time management abilities
- Analytical Skills
- Teamwork and Collaboration
- Active Listening
- Multitasking
- Interpersonal Skills
- Adaptability and Flexibility
- Documentation
- Decision-Making
- Data Collection
- Self Motivation
- Problem-solving abilities
- Team Collaboration
- Goal Setting
- Organizational Skills
- Loss Protection
- Attention to Detail
References
Can provide upon request
Timeline
Auto Underwriting
Regions Bank
01.2015 - Current
Direct Loan Underwriter
Regions Bank
08.2011 - 01.2015
Work Out Processor
Regions Bank
08.2009 - 08.2011
Standard Equity Processor
Regions Bank
02.2005 - 08.2009
Copy Clerk
AmSouth Bank
09.2000 - 02.2005
Manager
Carmike Cinemas
01.1998 - 01.2000
Shades Valley High School