The Credit Analyst is responsible for underwriting and rendering loan decisions on consumer loans referred
and received through U.S.
Bank's indirect lending partnerships and platforms.
Work involves the reviewing of
applicant credit information and determining and communicating loan decisions in accordance with
underwriting and compliance standards, credit union policy and risk tolerance in a high volume, fast paced
Resources to do the job require the ability to analyze and interpret credit information including
income verifications including tax returns and collateral valuations.
h Analyzes and makes final approval decisions on all consumer loans received through various lending
platforms provided by U.S.
Bank's indirect lending relationships.
h Makes appropriate recommendations including counter offering, restructuring and referring for other
credit union products/services within approved lending authority.
h Underwrites loans by analyzing credit reports, tax returns, pay statements and W2 forms.
declines loans based on Credit Union policies and guidelines.
Demonstrates the ability to manage credit
risk standards while balancing the need to originate high loan volumes of performing loans.
h Makes recommendations to Consumer Lending management on loans outside of consumer underwriter's
lending authority in accordance with the credit union Consumer Loan Policy.
h Fosters strong working relationship with indirect lending partners, dealers, as well as U.S.
executives and loan processors and closers.
07/2010 to 08/2013
Consumer Loan ManagerAdvantis Credit Union － Portland, OR
Managed Direct and Indirect lending teams in all aspects of loan lifecycle.
Responsibilities included: staffing,
sales, compliance, internal/external audit, underwriting, funding, and servicing
h Restructured lending tiers, policies, and staffing resulting in an indirect volume increase of 300% from
$5MM per month to $20MM per month
h Implemented an outbound calling onboarding program to deepen member relationships
h Identified issues between front-end and back-end systems, researched problems, and communicated
with appropriate areas for correction
h Coordinated underwriting, funding, and servicing of $100MM mobile home portfolio including one-time
$30MM purchase and memberization
h Implemented two loan origination systems including the the development of 3D auto approval matrices
and core system integration
h Implemented and maintained portfolio analytic software detailing reports for internal and external audit
as well as Senior Management.
08/2008 to 07/2010
UnderwriterAdvantis Credit Union － Portland, OR
Underwrote Mortgage, Credit Union Direct Lending, and Consumer loans.
Interfaced directly with members
to obtain neccessary information prior to decisioning loans.
Coordinated between auto dealers and
applicants to streamline CUDL transactions.
h Designed, tested, and rolled out automated decisioning engine for consumer loans
h Audited mortgage files to ensure adherence to investor requirements.
07/2006 to 09/2007
Account ExecutiveFirst Horizon Wholesale － Lake Oswego, OR
Outside sales representative responsible for maintaining an account list of 50+ while actively generating new
business for our second mortgage department.
Worked primarily in the field and in conjunction with an
Inside Sales Representative and assistant.
h Attracted and retained loyal clients by building reputation of integrity, knowledge, and accountability
h Provided on-site training, presentations, as well as participated in industry trade shows
h Delivered $10MM+ in annual gross sales.
05/2004 to 07/2006
Inside Sales RepresentativeFirst Horizon Wholesale － Lake Oswego, OR
First point of contact with first mortgage accounts involving pricing, programs, scenarios, and operation
Worked with clients, underwriters, and account executives to ensure a timely funding of
Position weighed heavily on problem solving and conflict resolution.
h Responsible for largest producing account executives with a combined volume of over $25MM per month
h Personally interviewed and trained other Inside Sales Representatives and assistants.
06/2002 to 05/2004
Collateral UnderwriterFirst Horizon Wholesale － Lake Oswego, OR
Worked with team members to underwrite production growth from zero to a company leading 30 million a
month in construction loans.
Responsible for training assistants and new underwriters as production
h Improved production by automating the creation of Excel, Word, and email documents from multiple
systems into a single system
h Presided over conference call with client, loan officer, and contractor to ensure understanding of
h Examined documents to determine degree of risk from such factors as contractor history, value and
condition of property, and plans and specifications.
Bachelor of Science: Economics Business AdministrationUniversity of Oregon － Eugene, OregonEconomics Business Administration
Astute finance professional; expert at driving prudent revenue growth, and offering counsel to key decision
makers. Proven track record in understanding new technologies, focusing on continuous improvement, and
reengineering business processes. Dedicated to translating company values into practical every-day
operations and preserving strong business alliances with clients and vendors.