Joshua Cavender Email & Phone Number

Pelham, Alabama, United States

• Decisioned Commercial, Lease and Retail applications maintaining a high level of productivity increasing volume and capture for the Southeast region.
• Led the team in approval percentage while maintaining an excellent QM audit score for both decisioning and phone calls.
• Formatted and updated Excel dealer contact information weekly for 275+ dealers within the region and distributed to multiple work groups.

Birmingham, Alabama Area

• Demonstrated appropriate risk appetite when decisioning 1200+ applications per month across 50 states while upholding internal underwriting guidelines and federal regulations to ensure loan quality.
• Improved documentation by analyzing and properly mitigating risks on decisions for the team resulting in less than 3% error rate month over month.
• Streamlined daily issues within underwriting policy and procedures by consulting with management to provide clarity to teammates.
• Collaborated with the sales team through Salesforce, visits, and calls to cultivate dealer relationships within the Gulf Coast territory. This increased the book of business from 7 million to 17 million monthly within.

Homewood, AL

• Negotiated and originated 28+ million dollars in prime and non-prime auto loans each year with losses below 0.50% for the portfolio.
• Evaluated risk by analyzing data sets, credit bureaus and income documents to make sound credit decisions based on PTI, DI, GRI, and LTV.
• Selected by leadership to travel and obtain Driving Sales Excellence certification.
• Prioritized and organized credit decision queues to assure quality decisions were made in a timely manner.
• Provided daily guidance to teammates to help maintain quality expectations for the organization.

Birmingham, Alabama Area

• Gained a full understanding of FHA mortgage underwriting guidelines with comprehensive knowledge of analyzing credit, tax, and income while maintaining below a 2.5% error rate from second-level review.
• Wrote proposals for loss mitigation second-level review to influence sound business decisions to benefit homeowners and Wells Fargo.
• One of 10 underwriters nationwide selected based on quality to travel and underwrite at Home Preservation Workshops across the United States.
• Served as the Team Lead, assisting with difficult questions, analyzing business income and tax documents for the site, handling Office of the President complaints, organizing meetings and training underwriters on the.
• Led weekly team huddles with underwriters and specialists to remove the disconnect between the two job functions. This improved efficiency overall with 27% less calls to the borrower for information.

Birmingham, Alabama Area

• Executed all jobs at the office which include collections, running the cash drawer, originating loans, filing judgments, reviewing bankruptcy payments, distributing gross profit checks, and effectively calling 100+.
• Reduced delinquency from 5% to below 1.99% delinquent accounts every month by calling and visiting clients.
• Delegated and managed the daily workload among peers and handled all insurance claims for the branch.

Roswell, GA

• Researched and wrote RFPs for medical, dental, and care management services for large national employers.
• Updated the company’s intranet and internet website.
• Created graphic sales communications for sales partners to obtain government contracts.

Bachelor'S Degree, Business Administration - Marketing, Minor In Spanish

International Business

Course work in Spanish in Segovia, Spain towards Business Degree