Stacy Torres

As an Underwriter, I am responsible for analyzing and evaluating financial data to determine the creditworthiness of individuals or businesses applying for loans. Looking at and making decisions on anywhere from 1,500-2,500 loan applications a year. I thrive in an environment where my growth and development are encouraged and supported. Lead, coach and help develop department to be engaged and knowledgeable and committed

• Identified opportunities to cross-sell and upsell loan products to customers.
• Evaluate data provided by prospective clients for accuracy and completeness
• Work collaboratively with other team members to support processing requirements
• Lead consumer lending operation for auto/vehicle loans, personal loans and credit cards
• Adheres to business banking lending processes, policies, procedures, legal, regulatory, audit, and ethical requirements
• 5+ years' commercial lending operations.
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
• Developed and maintained relationships with customers, lenders and other third parties.
• Monitored pipelines to track and log status of loans.

Acting as a trusted financial partner to help members exercise smart financing plans and set savings goals to manage their everyday banking to achieve financial wellbeing. Responsible for establishing new member relationships and interfacing with members to provide a full-service experience, as well as identifying and referring sales opportunities to the appropriate bank partner.

• Recommend financial products and services to meet members’ short and long-term financial needs
• Contribute positive and collaborative work environment, supporting colleagues and fostering culture of teamwork and continuous improvement
• Detect and prevent fraudulent activities through vigilant monitoring.
• Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
• Answered customer questions and explained available services such as deposit accounts, bonds, and securities
• Cross-sold bank products and services to meet customer needs and provide options