Steven Johnson Oliveros
Fort Worth
Summary
To apply my knowledge and expertise in the financial sector for the benefit of a financial organization and to utilize my banking, management, and lending skills completely. Analytical and career-minded professional with expertise and experience driving business with existing clients and establishing business relationships with new clients. Solid understanding of commercialization and principles of property-casualty insurance businesses and market development. Strong analytical skills advantageous in meeting stringent deadlines.
Overview
24
24
years of professional experience
Work History
Senior Underwriter
EECU Credit Union
Fort Worth
06.2020 - Current
- Responsible for assessing eligibility of clients' applications to receive any capital or credit for consumer and commercial requests.
- Adhere to loan policies, underwriting guidelines, loan documents, and loan definition systems.
- Reviews monthly delinquency report and recommend actions to address any issues, perform audits on various loans and communicate errors/issues to appropriate management or personnel.
Underwriter
Resource One Credit Union
Dallas
05.2016 - 06.2020
- Responsible for reviewing requested members’ personal and commercial loan applications, along with cross selling other qualifying loan products.
- Adhere to loan policies, underwriting guidelines, loan documents, and loan definition systems.
- Perform audits on various loans and communicate errors/issues to appropriate management or personnel.
Loan Operations Specialist
Southwest Financial Credit Union
Dallas
03.2015 - 05.2016
- Responsible for analyzing loan applications through interview and counseling and for qualifying applications based on loan policy.
- Approves or denies loan applications based on analysis of applicant's background.
- Perform audits on various loans and communicate errors/issues to appropriate management or personnel.
Financial Services Manager
First Class American Credit Union
Fort Worth
06.2014 - 03.2015
- Responsible for areas of personnel management such as interviewing, underwriting, training, and supervision of personnel, workflow, and scheduling.
- Works with Indirect Lenders and acts as credit union liaison with indirect partner CUDL, dealerships, lifestyle business partners and lending and mortgage loan programs.
- Serves as a member of the credit union's management team and participates significantly in developing overall policies, programs, goals, and objectives.
Service Center Manager
Intouch Credit Union
Plano
04.2013 - 05.2014
- Responsible for directing all sales programs like- setting goals for the staff, analyzing their performance, and motivating them to meet their goals for two branches.
- Hires, develops, trains, and retains qualified individuals along with assurance that employees are performing at optimum levels with coaching/counseling and training.
- Ensure that all cash, lending, and account origination policies are adhered to and that exceptions are granted when appropriate.
Assistant Service Center Manager
Security Service Federal Credit Union
San Antonio
03.2002 - 04.2013
- Responsible for directing all sales programs like- setting goals for the staff, analyzing their performance, and motivating them to meet their goals.
- Ensure that all cash, lending, and account origination policies are adhered to and that exceptions are granted when appropriate.
- Responsible for monitoring monthly budget reports and ensures all expenditures, charges and payroll costs are within approved budget amounts.
Education
Bachelor’s - Business Administration/Management
Tarleton State University
Stephenville, TX05.2026
Associate's - Business Administration
Del Mar College
Corpus Christi, TX01-2017
Skills
- Desktop underwriter expertise
- Loan prospector proficiency
- Microsoft Office suite
- Excel mastery
- PowerPoint presentations
- Word processing
Accomplishments
President's List- Fall 2023
Timeline
Senior Underwriter
EECU Credit Union
06.2020 - Current
Underwriter
Resource One Credit Union
05.2016 - 06.2020
Loan Operations Specialist
Southwest Financial Credit Union
03.2015 - 05.2016
Financial Services Manager
First Class American Credit Union
06.2014 - 03.2015
Service Center Manager
Intouch Credit Union
04.2013 - 05.2014
Assistant Service Center Manager
Security Service Federal Credit Union
03.2002 - 04.2013
Bachelor’s - Business Administration/Management
Tarleton State University
Associate's - Business Administration
Del Mar College