* Hold level 3 underwriting exception authority.* Conduct second level reviews and deliver feedback to less senior underwriters. * Develop, train, and coach less senior Underwriters. * Exercise judgment and build rationale behind credit decision or recommendation. * Analyze applicant credit bureau, calculate financial ratios and review bank relationship. * Conduct cash-flow analysis on employed and self-employed individuals.* Performed testing to enhance Cosigner Release database capabilities. * Underwrite Cosigner Release applications.* Assisted in creation of Regulation B procedures relating to reporting and creation of work queues. * Review of Regulation B work queues and reporting to identify and resolve impacted applications. * Manage special projects as assigned.

* Resolve account delinquency through payment arrangements. * Provide alternative postponement and repayment options if customer unable to make payment arrangements.

* Performed credit, documentation and funding support of unsecured personal loans. * Provided credit and customer service support of internet based line of credit programs. * Assisted management with reporting and projects related to tax based programs. * Established and maintained reporting of sponsorship programs to management.

* Reviewed small ticket business leases submitted through business brokers. * Assessed broker performance by creating large account reviews. * Assisted with new employee training and development.

* Demonstrated excellent communication and leadership skills while training Iraqi police officers. * Developed outstanding team work skills through various missions and assigned duties.