Rob Norwood
Credit Management
Reynoldsburg,OH
Summary
FINANCIAL BUSINESS LEADER with over 20 years of experience specializing in credit, lending, finance, operations, credit risk and controls, and project management. Offering an array of skills in cash flow forecasting, budgetary planning, productivity metrics analysis, team management, written and verbal communication, accounting, cross-functional collaboration, reporting, and stakeholder engagement. Proven ability to utilize decisive leadership of multi-million-dollar entities with large workforces and multiple locations.
Overview
4
4
years of post-secondary education
10
10
years of professional experience
Work History
Mortgage Loan Officer
Huntington National Bank
Columbus, OH
05.2019 - 05.2021
- Current Ohio NMLS license.
- Discussed possible loan products and options to meet client needs and advise clients on risk and benefits of each option.
- Collected and analyzed clients’ financial information to assess eligibility for home loan.
- Communicated effectively with all stakeholders, including the customer, sales associate, builder and title company.
- Worked closely with Operations’ partners to effectively manage mortgage loan pipeline and expedite loan closings for customers.
- Extensive knowledge of mortgage procedures, documentation, and underwriting guidelines.
Counterparty Risk Manager
Discover Financial Services, DFS
New Albany, OH
01.2015 - 11.2019
- Conducted financial risk reviews on a portfolio of new and existing Discover Network partners.
- Presented strategic recommendations and summary analysis to Executive Leadership Team.
- Encouraged stakeholders to approach assessments analytically and offer unique insights to bring new understanding to risk management programs.
- Reviewed contracts and agreements to identify potential risks and ideal mitigation strategies.
- Promoted enterprise-level risk management practices and helped instill strong culture focused on protective policies and procedures.
Project Manager
Discover Financial Services, DFS
New Albany, OH
01.2013 - 01.2015
- Led collaborations with business leaders to identify deficiencies, provide recommendations and execute solutions, and managed all business line policies, procedures and process maps.
- Developed implementation methodologies to rein in project costs while meeting key milestones.
- Developed and initiated projects, including managing costs, schedule and performance.
- Identified plans and resources required to meet project goals and objectives by setting realistic timelines and checkpoints.
Judgmental Credit Risk Supervisor
Discover Financial Services, DFS
New Albany, OH
01.2011 - 01.2012
- Prepared and delivered performance reviews of 20 collections agents to support continuous improvement of department.
- Performed judgmental reviews on Discover portfolio accounts to determine creditworthiness.
- Determined if adverse action (credit line reduction, suspension, revoke) should be taken on accounts.
- Documented conversations with consumers and research into accounts.
Education
MBA - Finance
Mount Vernon Nazarene University
Mount Vernon, OH 09.2016 - 07.2018
Bachelor of Science - Business Administration
Mount Vernon Nazarene University
Mount Vernon, OH 09.2008 - 07.2010
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Skills
Mortgage loan expert
undefinedTimeline
Mortgage Loan Officer
Huntington National Bank
05.2019 - 05.2021
MBA - Finance
Mount Vernon Nazarene University
09.2016 - 07.2018
Counterparty Risk Manager
Discover Financial Services, DFS
01.2015 - 11.2019
Project Manager
Discover Financial Services, DFS
01.2013 - 01.2015
Judgmental Credit Risk Supervisor
Discover Financial Services, DFS
01.2011 - 01.2012
Bachelor of Science - Business Administration
Mount Vernon Nazarene University
09.2008 - 07.2010
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