Kerrie Cardwell Email & Phone Number

Waltham, MA, US

The Woodlands, Texas

• Underwriting of various loan products including Home Equity Lines of Credit, Personal Lines of Credit, Executive Lines of Credit, Secured Home Improvement Loans and CD Secured Loans
• Undertook the management of Woodforest National Bank’s Executive Line of Credit portfolio to ensure a timely renewal process
• Advanced skills with 1040, 1120S, and 1120 tax return analysis
• In depth review of liquidity and asset analysis
• Analyzed risk associated with collateral, credit, income, capacity to repay
• Provided in depth customer service to bankers and to customers when needed.

Clearfield, UT

• Indirect auto lending full credit analysis; reviewed all loan documents to ensure they met with policy and guidelines.
• Analyzed risk associated with collateral, credit, income, capacity to repay with specialty in fraud recognition.
• Trained co-workers to specifically recognize income fraud and other discrepancies within the loan files.
• Assigned to work on a special project; reviewed post-funding loans for Synthetic SSN's to assist in determining dealer relationships that may need re-evaluation.
• Assigned to a special assignment for high-risk dealerships to ensure fraudulent and poor performance activity was minimized.

- Maintain files and database, ensuring completeness and accuracy.- Bill constituents in timely manner, checking invoices, bank drafts, and billing registers for accuracy.- Communicate to constituents of upcoming changes in billing.- File reports with grantor/government agencies by performing, compliance, and accurate record keeping.- Provide exceptional.

This was an internship position for college credit. Duties included, but were not limited to* Writing letters to students requesting payment* Contacting agencies in regards to denials of payments or unauthorized charges* Billing and receiving payments* Keeping detailed records and logs of payments for individual state agencies as well as college.

Full time student*Please See Education section below for recommendation*

* Assisted one of the partners as well as other partners in the firm in all aspects of the loan process, met with clients, offered underwriting advice in regards to scenarios, rates, and programs. * Found appropriate loan programs to include retirement planning.* Tracked daily job, employment, stock/bond and other national reports to stay current on rate.

• Rapid advancement from Appraisal Review Assistant, to Underwriter I, Underwriter II, Closing Restructure Underwriter, Policy Exceptions Underwriter.
• Analyzed all loan aspects to determine if the loan met the quality standards required by investors.
• Confirmed compliance of each loan within city, county, state and federal laws and demonstrated knowledge of guidelines and up to date protocol for applying said guidelines.
• Required to explain to internal and external customers as well as to investors the logic behind the decisions made when necessary.
• Underwriting authority up to $500k.
• Credit authority up to $350k.

Rapid advancement from Region Coordinator, to Team Lead, to Quality Reviewer, and finally a Trainer for new support team in India.* Recruit real estate agents and appraisers nationwide to complete property valuations.* Negotiate fees and time frames.* Team lead, coordinating activities within one of the Region Coordination teams.* Complete quality review.

Accounting, Accounting, Business Administration, 3.74

Activities and Societies: * Phi Theta Kappa * Volunteer Junior Achievers of America * Acting President and elected VP for the Financial.

Associates, Accounting, Business Administration, 3.7

Activities and Societies: Phi Theta Kappa Financial Literacy Club Student VP of Financial Literacy Club Outstanding Graduate in the.