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.• Top loan producer in 2018 with lowest charge off rate in the Consumer Loan Center Department• Provided to the management team suggestions for improved processes on various loan products resulting in increased use of available software and less reliance on manual methods, assisted in the implementation in those changes

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 customer service to branches, volunteers, corporations, donors, members, and participants through verbal and written communications.- Monitor accounts receivable reports, providing record keeping tools to branches.- Special projects as assigned.- Ensure collection of balances due by constituents. Submit all bank draft returns and update paid accounts to 3rd party collection service.- Reconcile cash and credit card receipt reports for all branches.- Advise branch employees on system navigation and accuracy.- Complete bi-monthly bank draft and credit draft uploads from constiutents and reconcile.

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 departments.* Work directly with government agencies to enter authorized funds and bill said agencies i.e. Veterans Affairs, Refugee Services, WIA, Arbor, L & I, among many others. * Assisted students with their accounts* Fileing* Notified staff of used vouchers* Entered purchase requisitions* Created new files for students and/or agencies* Entered cash reports.

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 and program trends.

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.• Policy exception authority up to $500k.• Completed full reviews of credit obligations, income and assets.• Completed appraisal and title analysis for acceptable collateral.• Thorough analysis of complicated personal and business tax documents to determine a complete income profile.• Worked directly with funding team to assist in reviewing and clearing post-funding conditions.• Verified rent, income, employment and sourcing of funds for down payments.• Completed understanding and experience in manual loan and pricing structuring.• Performed timely review of original loan submissions (first touch) as well as final review and post funding conditions (second touch).• Underwrite to separate PMI guidelines.* Wrote formal correspondence for internal management and for external colleages, ie: Loan Approval / Denial Letters.

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 checks on BPO's (broker price opinions) and appraisals when they did not pass the automated system review checks.* Train new support staff in India via phone and tele-conferencing.

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.