Phillip Reed
Birmingham,AL
Summary
Hardworking with over 23 years of experience in Banking industry. Excellent reputation for resolving problems and improving customer satisfaction. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
26
26
years of professional experience
Work History
Auto Underwriting
Regions Bank
01.2015 - 03.2024
- 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
- Worked with management on system issues to help resolve any problems
- Strong customer service skills working with loan officers
- Worked remote with limited supervision.
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 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
- Helped train new underwriters that are hired
- Strong customer service skills working with loan officers.
- Streamlined underwriting processes for increased efficiency, implementing automated tools and software.
- Enhanced customer satisfaction by providing timely and accurate loan decisions based on comprehensive analyses.
- Minimized losses by identifying potential risks in the early stages of the loan application process.
- Provided exceptional customer service throughout the loan origination process, addressing inquiries and concerns promptly.
- Mentored junior underwriters to enhance their knowledge and skills, leading to improved team performance overall.
- Safeguarded company assets by verifying applicant income sources, employment history, credit reports, and collateral valuation documentation.
- Balanced multiple priorities while managing high volumes of loan applications during peak periods, consistently meeting deadlines without compromising quality or accuracy.
- Negotiated favorable terms for clients within established guidelines while adhering to sound risk management principles.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Loss Mitigation 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.
- Reduced errors with meticulous attention to detail and thorough review of documentation.
- 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.
- Supported team members in their tasks, contributing to overall team success.
- 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.
- Managed multiple priorities simultaneously, maintaining organization even during peak periods.
- Utilized strong analytical skills to identify potential risks or discrepancies within processed documents quickly.
- 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.
- Received and reviewed incoming documents and materials.
- Entered data into computer tracking system and filed paperwork according to procedures.
Home Equity Loan 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
- Participated in ongoing training sessions to enhance knowledge of lending products, guidelines, and best practices.
- Worked closely with title companies to obtain necessary title work and coordinate closings efficiently.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Processed mortgage loan applications accurately and successfully for over 4 years.
- Strong customer service skills working with loan officers and customers.
- Reviewed and validated details of loan applications and closing documentation.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Set up and completed loan submission packages.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Facilitated smooth handoffs between sales representatives and underwriters, maintaining clear lines of communication at each stage of the process.
- Demonstrated attention to detail through meticulous review of appraisal reports, credit histories, income documentation, and other relevant materials for each application.
- Provided exceptional customer service by promptly responding to inquiries and resolving any issues that arose during the loan process.
- Maintained strong relationships with clients, addressing concerns and providing updates on loan status throughout the process.
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
High School Diploma -
Shades Valley High School
Birmingham, AL01.1998
Skills
- Quote Preparation
- Documentation
- Policy Development
- Microsoft Office
- Organizational Skills
- Customer Service
- Remote Office Availability
- Active Listening
- Strong Work Ethic
- Analytical Thinking
- Teamwork and Collaboration
- Task Prioritization
- Multitasking
- Agent support
- Application Review
- Data Collection
References
Can provide upon request
Timeline
Auto Underwriting
Regions Bank
01.2015 - 03.2024
Direct Loan Underwriter
Regions Bank
08.2011 - 01.2015
Loss Mitigation Work Out Processor
Regions Bank
08.2009 - 08.2011
Home Equity Loan Processor
Regions Bank
02.2005 - 08.2009
Copy Clerk
AmSouth Bank
09.2000 - 02.2005
Manager
Carmike Cinemas
01.1998 - 01.2000
High School Diploma -
Shades Valley High School
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