Shirley Taylor
Fairburn,GA
Summary
Results-focused underwriting professional with experience managing complex loan files and adapting to changing regulations. Strengths include credit analysis, underwriting software, and policy compliance. Committed to delivering consistent, accurate lending decisions that support portfolio quality and business goals.
Overview
20
20
years of professional experience
Work History
Underwriter II
Regional Acceptance Corporation
Duluth, Georgia
05.2015 - 11.2026
- Negotiated terms with borrowers in order to achieve mutually beneficial outcomes.
- Reviewed company records to determine amount of insurance on single risk or group of closely related risks
- Followed underwriting guidelines in developing rates for new and renewal groups.
- Leveraged customers' history, industry, and demographic information to calculate renewal rates.
- Analyzed trends in the mortgage industry to adjust underwriting practices accordingly.
- Negotiated coverage, policy pricing and service delivery during meetings with customers, agents, or brokers.
- Solicited and evaluated insurance applications to approve or decline risks based on company guidelines.
- Wrote to field representatives, medical personnel or others to obtain further information or explain company underwriting policies.
- Worked alongside internal department to cross-sell company's offerings.
- Developed strategies for minimizing losses due to credit defaults or delinquencies.
- Utilized underwriting software to determine loan risk and make approval decisions.
- Ensured all underwriting activities complied with company policies and external regulations.
- Negotiated terms and conditions of loan products with brokers and agents.
- Developed and maintained relationships with external partners, including insurance agents and appraisers.
- Reviewed consumer auto loan applications for credit risk and policy compliance.
- Analyzed credit reports, income documents, and collateral details for underwriting decisions.
- Interpreted dealer submissions and customer information for Regional Acceptance financing requests.
- Communicated approval, counteroffer, and decline decisions with dealership partners.
- Verified identity, employment, and residence information using borrower documentation.
- Escalated complex files to senior credit management for review and guidance.
- Applied company lending guidelines to support consistent regional finance approvals.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Utilized underwriter authority to correspond with corporate risk appetite and strategy.
- Resolved discrepancies between customer documentation and internal records.
- Established maximum loan amounts according to underwriting standards and communicated decisions to customers.
- Liaised with field, gathering information to base and defend underwriting decisions.
- Participated in regular training sessions regarding updates in relevant laws or regulations.
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Ensured timely submission of all documents needed for closing transactions.
- Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
- Recommended adjustments to loan terms or conditions based on individual circumstances.
- Collaborated with loan originators and processors to gather necessary documentation.
- Reviewed and modified loan agreements to ensure compliance with federal and state regulations.
- Updated underwriting notes and decision records in loan processing systems.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
- Provided guidance on underwriting procedures to junior staff members.
- Managed workload to ensure timely and accurate processing of loan applications.
- Analyzed client's financial records and statements to assess creditworthiness.
Assistant Area General Manager
Exeter Finance
Irving, Texas
05.2010 - 02.2015
- Reviewed loan performance and portfolio trends with finance teams.
- Guided staff on credit policy and servicing procedures.
- Monitored compliance with lending regulations and company standards.
- Resolved customer complaints in a timely manner while ensuring customer satisfaction.
- Partnered with senior leaders on growth and process improvements.
- Communicated corporate objectives clearly to all employees in order to ensure understanding of their roles in achieving these objectives.
- Delegated work to staff, setting priorities and goals.
- Ensured compliance with all applicable laws, regulations and safety requirements.
- Used strong issue resolution and communication skills to cultivate and strengthen lasting client relationships.
- Mitigated business risks by working closely with staff members and assessing performance.
- Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
Senior Credit Analyst
AmeriCredit Financial Services
Alpharetta, Georgia
08.2006 - 05.2010
- Reviewed auto finance credit applications using AmeriCredit underwriting guidelines.
- Analyzed credit bureau reports and income documents for loan decisions.
- Recommended credit approvals, counteroffers, and stipulations for finance requests.
- Communicated decision terms with dealerships and internal lending teams.
- Applied federal lending rules and company compliance standards to files.
- Met with upper management and provided insight into credit decisions.
- Managed various tasks simultaneously and made sure all job duties were completed in order of priority.
- Reviewed and updated credit and loan files to ensure accuracy and completeness of documentation.
- Engaged in continuous learning to stay updated on best practices in credit analysis and financial modeling.
Education
Business Administration
Tennessee State University
Nashville, TNSkills
- Credit underwriting
- Loan risk assessment
- Policy compliance
- Underwriting software
- Risk appetite analysis
- Credit analysis
- Decision making
- Attention to detail
- Critical thinking
Timeline
Underwriter II
Regional Acceptance Corporation
05.2015 - 11.2026
Assistant Area General Manager
Exeter Finance
05.2010 - 02.2015
Senior Credit Analyst
AmeriCredit Financial Services
08.2006 - 05.2010
Business Administration
Tennessee State University