Devon King-Lovely Email & Phone Number

Charlotte, North Carolina Area

• Analyzes information received from credit applications and credit reporting agencies to make prudent credit decisions.• Negotiates terms and conditions of loan decisions with dealers within established approval/exception guidelines, leveraging risk versus reward, to ensure credit quality and profitability.• Makes exceptions to normal guidelines when necessary.• Conducts customer interviews and investigations on non-prime credit applications to gather and document information pertaining to making credit decisions.• Monitors dealer productivity and calls dealers for approvals and follow-up on pending contracts to increase capture and conversion ratios.Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines• Dependent on division and complexity of underwriting, functions may include reviewing financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value)• Evaluating credit card requests• Examining transactions to ensure accuracy and completeness• Ensuring that documents are consistent and uphold to company and industry guidelines• Implementing fraud detection techniques, performing compliance reviews• Assisting with re-negotiations of loans based on lending guidelines• Contacting customers and banking partners to gather information to make appropriate decisions, explain rationale behind credit decision

Fort Mill, South Carolina

• Creating an atmosphere sharing information between my team and others by communicating management decisions, updates and changes • Mentor and coach newly hired Home Preservation Specialist 1's and low performing specialists through quality checks processes, audits, quality calibrations and side by sides• Handle escalated calls and issues for team members by making our customers first and their success our success• Being a strong advocate for the team by encouraging and implementing best practices to drive results and success of the team and department• Analyze and respond to production and compliance reports to ensure adherence to Wells Fargo and federal guidelines • Facilitation team meetings, assisting specialist project requests and implementing team ideas

Florence, South Carolina

• Reviewed/monitored and analyzed documents and solved problems for Fannie Mae files, determining the financial hardship and finding retention options for the homeowners utilizing investors guild lines.• Underwrote loans for loss mitigation retention options, including conventional modifications, partial payment, repayment and special forbearance plans, while adhering to investor, JP Morgan Chase, federal guidelines and investors requirements• Renegotiated credit with customers, performing financial risk evaluations and providing credit counseling• Worked special projects and specialty loans, such as NACA , CHOC, LITIGATED, SCRA Military and MEDIATION • Conducted second level reviews (SLR) to ensure accuracy of credit quality, regulatory compliance and loan documentation on loans submitted by underwriters• Audited denied applications to ensure accuracy and compliance with federal regulations• Developed system and integration test scripts to create best practices for representatives• Worked special projects and specialty loans, such as NACA , CHOC, LITIGATED, SCRA Military and MEDIATION • Provided daily quality analysis for upper-management to execute monthly reporting• Worked continually to improve the quality audit process

Sumter, South Carolina Area

-Supervise teller staff, assisting in the coaching, training and the developmentof tellers.- Assists tellers in solving member problems, serving as an operational reference- Aid tellers with balancing problems.-Order and maintain vault cash.- Schedule work hours and breaks for all teller personnel.-Ability to step in for the Assistant Branch Manager or Branch Manager- Make exceptions to policy as appropriate and within authority-Refer and cross-sell credit union products and services; meet or exceed salesgoals.- Accurate completion of required audit logs.- Adhere to help enforce all security procedures as well as other departmentalpolicies and procedures.-Balance and maintain cash dispense machines.-Audit ATM on a monthly basis as well as cash drawers, according to policy.-Investigate teller losses and institute a corrective flow of work.-Assists in ensuring that the branch is in compliance with federal laws and regulationsset forth by the National Credit Union Administration and other regulatory agencies.-Monitors office activity, including number of transactions, loan volume, sales volume,etc.-Provides training to staff in regard to operations and policies.