Andrew Estes Email & Phone Number

New Mexico, United States

Albuquerque, New Mexico, United States

Albuquerque, New Mexico Area

Albuquerque, New Mexico Area

Responsibilities include making credit decisions on consumer loan applications generated through the direct channels of the credit union, and recommending exceptions to guidelines as necessary. Partnering with the financial consultants of the credit union to find solutions that best help to serve our members. Collaborating with financial consultants of the credit union to ensure that necessary supporting documentation is received for final approval before a loan can be closed. Participate in other department projects or strategic developments as directed by the Vice President of Consumer Lending. Actively participate in all other duties as requested by management.

Albuquerque, New Mexico Area

Responsibilities included the daily supervision of consumer loan underwriters. The hiring, coaching, development, and training of direct reports. Preparing development plans; providing constructive feedback and sharing expectations; monitoring and measuring the origination goals of each underwriter and the department. Concurring on loan decisions recommended by consumer loan underwriters with lesser credit authority. Auditing past decisions of underwriters to ensure compliance with policy and quality of the decision. Establishing and maintaining long-term customer relationships by building rapport through telephone and occasional field calls. Actively participating in regular scheduled staff meetings to communicate trends, goal updates, and other pertinent information with staff members and other managers.

Albuquerque, New Mexico Area

Responsibilities included making credit decisions on consumer auto loan applications generated through partnered dealerships, and making exceptions to policy as necessary. Building dealer relationships thorough contact during the approval process and follow up during pending contract phase. Meeting set goals in credit quality, volume, and pricing to maximize my portfolio. Actively participating in the mentoring and development of newer underwriters hired. Partnering with the operations department to ensure timely loan funding. Collaborating with the collections department to help resolve open collection issues. Working alongside the sales department to increase volume, capture, and conversion of submitted loan applications. Actively participating in other duties as assigned by management.

Clovis, Nm

Responsibilities included working in the underwriting, origination, and review processes of Consumer and Commercial loans including Auto, Agriculture, Real Estate, and Lines of Credit. Spreading of financial data on new and existing customers of the bank in order to establish trends and secondary review of all loan documents in order to ensure accuracy and compliance. Obtaining of financial records and credit reports on borrowers; then assessing the borrower’s capacity to repay through cash flow analysis. Reviewing of appraisals including commercial, residential, and farmland provided to the bank by fee appraisers. Performing in-house evaluations of residential and commercial real estate to establish a value for the bank. Research, inspection, and evaluation of all other forms of collateral to establish a value for the bank. Providing of assistance in other duties as needed by senior lending management.

Clovis, Nm

Assisted new and existing customers of the bank in opening new accounts and maintaining existing accounts. Prepared loan documents as specified by lending officer’s credit presentations. Prepared and filed documents to perfect security interests in collateral securing loans at the bank with their respective governmental agencies. Scheduled closings of loans with customers, and upon completion of loan closing funded loans as specified by loan officers. Booked funded loans into our core processing system.

Clovis, Nm

Provided the highest level of customer service, while maintaining strict levels of accuracy in various deposit and withdrawal transactions. Worked a job rotation that included all aspects of operations within the bank. These rotations included maintaining on site ATMs, daily balancing of bank vault, issuing and logging interest checks, processing charge backs, processing NSF decisions, and the processing of both incoming and outgoing wires and ACH files.

Bachelor Of Science - Bs, Computer And Information Sciences, General, Minor In Business Administration

High School Diploma, High School