Robert Kowalski
Stockton,UT
Summary
Encouraging manager and analytical problem-solver with talents for team building, leading, motivating, coaching current leaders and identifying future leaders to seamlessly fill management roles within the credit union.
Overview
28
28
years of professional experience
Work History
Underwriter, Indirect Lending
Goldenwest Credit Union
05.2024 - Current
- Evaluated loan applications to assess risk and determine creditworthiness.
- Analyzed financial documents to ensure compliance with regulatory standards.
- Mentored junior underwriters on best practices and effective evaluation techniques.
- Implemented process improvements that enhanced efficiency in loan approval timelines.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
Director
Mountain America Credit Union
03.2001 - 05.2024
- Established a culture of continuous improvement to seamlessly fill leadership roles in any capacity within the credit union.
- Leading the strategic expansion of Auto and RV into 10 states
- Management of a multibillion dollar auto and RV portfolio
- Leveraged professional networks and industry knowledge to strengthen third party relationships.
- Proactively identified potential risks and implemented mitigation strategies to minimize negative impacts on projects or business operations.
- Self-motivated, with a strong sense of personal responsibility.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Cultivated interpersonal skills by building positive relationships with others.
- Collaboration with management, internal departments, third party vendors, and other financial institutions to minimize risk, enforcement of dealer agreements, address complaints from government officials to determine the best course of action and resolution.
Assistant Manager
P & S Credit Union
02.1998 - 03.2001
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Evaluated employee performance and conveyed constructive feedback to improve skills.
- Defined clear targets and objectives and communicated to other team members.
- Promoted teamwork within the workplace by encouraging collaboration among staff members on various projects.
Education
Bachelor of Science - Finance
Utah State University
Logan, UT05.1991
Skills
- Negotiation
- Business Development
- Teamwork and Collaboration
- Quality Assurance
- Verbal and written communication
- Credit Risk Management
- Performance Evaluations
- Staff training/development
- Relationship Building
- Retail Banking
- Analytical Skills
- Compliance Training
Timeline
Underwriter, Indirect Lending
Goldenwest Credit Union
05.2024 - Current
Director
Mountain America Credit Union
03.2001 - 05.2024
Assistant Manager
P & S Credit Union
02.1998 - 03.2001
Bachelor of Science - Finance
Utah State University