Directed pre-origination manual processes associated with Credit Underwriting, CIP Programs, Fraud Investigations, and Credit Operations for PayPal Business Loan, LoanBuilder, and PayPal Working Capital products. Ensured adherence to all relevant credit and risk policies, including CIP policies, for all three credit products. Guaranteed adherence to regulatory timelines regarding credit decisioning of applications. Designed and implemented all operational reporting, performance… Show more Directed pre-origination manual processes associated with Credit Underwriting, CIP Programs, Fraud Investigations, and Credit Operations for PayPal Business Loan, LoanBuilder, and PayPal Working Capital products. Ensured adherence to all relevant credit and risk policies, including CIP policies, for all three credit products. Guaranteed adherence to regulatory timelines regarding credit decisioning of applications. Designed and implemented all operational reporting, performance management processes, and incentive plans for Credit Underwriting group. Transformed the underwriting process from a subjective, judgment-based approach to a structured rules-based methodology, aiding in the establishment of rules and the design of procedural steps for the revamped process. Built and maintained detailed process documents for all products and workflows, ensuring Legal and Compliance review of documents prior to publishing, and implementing an annual review process. Designed detailed quality review process for underwriting and fraud groups and aligned process with credit policy and other organizational goals. Built and managed dispute process for Quality Reviews.Effectively managed multiple workflows at one time, including credit underwriting functions, fraud investigation processes, quality review processes, credit bureau inquiry disputes, management of funding issues, vendor management (offshore and domestic vendors), and SAR Filing processes.Successfully relocated entire teams offshore, guaranteeing a seamless transition of all operations while maintaining consistently high quality standards and operational response times.Reviewed all confirmed fraud decisions to ensure accuracy and alignment with policies. Implemented reoccurring fraud committee review meetings with relevant stakeholders.Completed postmortem reviews of delinquent and charged off applications to identify opportunities. Show less

Demonstrated success delivering Change Management Strategies during the acquisition of Swift Capital by PayPal, as well as the management of multiple business areas during COVID pandemic (Collections, Customer Service, and PPP Loan Forgiveness). Streamlined customer experience by merging multiple areas into the Underwriting group. Designed and implemented operational reporting and performance management processes. Developed a monthly incentive program for the… Show more Demonstrated success delivering Change Management Strategies during the acquisition of Swift Capital by PayPal, as well as the management of multiple business areas during COVID pandemic (Collections, Customer Service, and PPP Loan Forgiveness). Streamlined customer experience by merging multiple areas into the Underwriting group. Designed and implemented operational reporting and performance management processes. Developed a monthly incentive program for the Underwriting department to foster a competitive environment and enhance overall performance. Accountable for responding and providing requested documentation for all audit and testing requests regarding manual processes for both internal and external partners. Show less

Managed a department of 40-50 Underwriters, Team Leads, and Managers that are responsible for over $80 million in funding per month. Created and maintained adherence to all policies and procedures for the Underwriting department. Managed the education process for new underwriters entering the department. Performed sign offs daily for decisions of up to $500,000. Interacted daily with Senior Executive Team to review large advance size decisions. Designed monthly… Show more Managed a department of 40-50 Underwriters, Team Leads, and Managers that are responsible for over $80 million in funding per month. Created and maintained adherence to all policies and procedures for the Underwriting department. Managed the education process for new underwriters entering the department. Performed sign offs daily for decisions of up to $500,000. Interacted daily with Senior Executive Team to review large advance size decisions. Designed monthly incentive program for Underwriting department intended to promote healthy competition and drive better performance. Managed all decision and call quality processes for the Underwriting department. Identified and enacted changes to the system that would improve processing times. Show less

Evaluated customers applying for unsecured small business lines of credit by evaluating business and consumer credit files. Ensured all Fraud and USA PATRIOT Act procedures were satisfied. Assisted with other business areas as needed including Collections, Fraud, Risk Detection, and Customer Service

Responsible for evaluating customers applying for consumer and small business unsecured lines of creditSet the appropriate credit line, rate, and evaluated risk using credit bureau information, demographics, tax returns, financial statements, Dun & Bradstreet reports, and other Bank of America accountsCross sold appropriate Bank of America products while increasing balances by selling balance transfers and direct depositsActivated credit lines by paying off other… Show more Responsible for evaluating customers applying for consumer and small business unsecured lines of creditSet the appropriate credit line, rate, and evaluated risk using credit bureau information, demographics, tax returns, financial statements, Dun & Bradstreet reports, and other Bank of America accountsCross sold appropriate Bank of America products while increasing balances by selling balance transfers and direct depositsActivated credit lines by paying off other accounts or depositing funds into customer and business checking accountsEnsured that all Patriot Act requirements and federal regulations were followed on every loan approved Show less

Reviewed accounts that had been determined to be a risk by obtaining updated information from the customer and utilizing information on the consumer credit fileDetermined the most appropriate annual percentage rate while balancing risk and customer loyaltyRetained current customers by advising them on the benefits of keeping their accounts with MBNAIncreased balances on current accounts through balance transfers and direct deposits while cross selling the appropriate… Show more Reviewed accounts that had been determined to be a risk by obtaining updated information from the customer and utilizing information on the consumer credit fileDetermined the most appropriate annual percentage rate while balancing risk and customer loyaltyRetained current customers by advising them on the benefits of keeping their accounts with MBNAIncreased balances on current accounts through balance transfers and direct deposits while cross selling the appropriate bank products Show less

Responsible for securing worthy applicants with lease agreements by performing credit and landlord checksDeveloped monthly marketing plans to include new ideas and programs to increase occupancyResearched, developed, and presented market surveys evaluating the competition in the local areaAssisted in office procedures, developed newsletters, and assisted customers over the phone and face to facePlanned and executed resident activities