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.
• 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)

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.
• 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

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.