Summary
Overview
Work History
Education
Skills
Timeline
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Thomas Rey

Portland,TN

Summary

Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

Overview

41
41
years of professional experience

Work History

Underwriter

Regions Bank
Nashville, TN
10.1999 - 11.2022
  • Approved maximum loan amounts according to underwriting standards and communicated decisions to relationship managers.
  • Analyzed financial information including income, assets, liabilities and credit history of applicants.
  • Reviewed and approved income documents, including income statements, tax returns, earnings statements, bank statements and other related documents.
  • Reviewed title commitments and appraisals to ensure correct lien position and loan to value ratio.
  • Reviewed and concurred on approval for applications over the credit limit of other team underwriters.
  • Maintained updated knowledge through continuing education and advanced training.
  • Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
  • Communicated effectively with lenders, brokers and other external partners involved in transactions.
  • Developed and conducted training sessions for underwriters and relationship managers.
  • Prepared reports summarizing analysis results for management review.
  • Leveraged Excel, Access, and MS Word skills to input and compile data gathered from various sources.
  • Utilized diverse data tools and processes to analyze, interpret and manage data.

Senior Underwriter

Bank One, NA
New Orleans, LA
10.1989 - 09.2022
  • Managed a team of underwriters to ensure accurate underwriting.
  • Trained underwriting team to execute sound risk and pricing plan to maximize Return on Investment.
  • Personal and team Return on Investment consistently ranked in the top five for the company.
  • Made joint sales calls with market sales representatives to increase loan production.
  • Researched and developed new products to increase market share and Return on Investment.
  • Leveraged Excel and MS Word skills to input and compile data gathered from various sources.
  • Prepared periodic production reports for management review.

Finance and Insurance Manager

John Decker Nissan Mercedes
Monroe, LA
08.1987 - 09.1989
  • Finalized documents such as contracts, applications, and title perfection documents related to automobile loans.
  • Disclosed loan contracts and explained contract terms to clients.
  • Developed and submitted personal auto loan packages for approval.
  • Marketed credit life and disability insurance products to dealership clients.
  • Marketed Extended Service Contracts to dealership clients.
  • Consistently ranked 1st in service contract sales for the Nissan Dallas Region.

Branch Manager

Norwest Financial
Alexandria, LA
09.1984 - 07.1987
  • Responsible for branch receivable growth, profitability, and staff development.
  • Maintained consistent growth in accounts and receivables by obtaining and retaining loan borrowers.
  • Established and built customer relationships through targeted outreach and initiatives.
  • Doubled the receivables outstanding and increased profitability of branch in first 18 months.
  • Reviewed and approved lines of credit, real estate and personal loans.
  • Designed sales and service strategies to improve revenue and retention.
  • Managed and inspired team members to perform to full potential, driving branch profitability.
  • Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.

Partner

DMR Associates
El Paso, TX
05.1982 - 08.1984
  • Responsible for profit and loss and operations for Water Park enterprise.
  • Responsible for profit and loss and operations of Roofing Division.
  • Analyzed financial statements and trends to manage cash flow and make business decisions.

Education

BBA - Marketing

University of Texas At Austin
Austin, TX
05-1982

Skills

  • Managing Risk
  • Building Strong Relationships
  • Analyzing Data
  • Negotiation Proficiency

Timeline

Underwriter

Regions Bank
10.1999 - 11.2022

Senior Underwriter

Bank One, NA
10.1989 - 09.2022

Finance and Insurance Manager

John Decker Nissan Mercedes
08.1987 - 09.1989

Branch Manager

Norwest Financial
09.1984 - 07.1987

Partner

DMR Associates
05.1982 - 08.1984

BBA - Marketing

University of Texas At Austin

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Thomas Rey