Laquesha Hicks Email & Phone Number

Chantilly, Va 20151

Alexandria, Va

• Underwrite both Equity Line of Credit Applications and Fixed Equity Applications while ensuring that they meet underwriting guidelines (Fannie Mae and Qualified Mortgage)• Perform initial review of applications which received an auto-turndown decision in an effort to identify any missed lending opportunities and to uncover compensating factors• Evaluate the entire credit package: credit score, length of membership, collateral values, income documentation, income calculations, debt ratio, service reports and property insurance verification • Consult with members and discuss loan options, rates, terms and collateral requirements• Issue counter offers when requested loan terms cannot be met and ensure the member is fully aware of all available options• Approve loans within assigned loan authority (maximum of $400,000 per transaction) • Approve exceptions within current lending authority and consult with management for exceptions which are not within lending authority• Responsible for the underwriting of the Equity Departments most complex files which include escalated member complaint files, Medallia complaints, 80/10/10 loans, simultaneous closing loans, loss mitigation files and employee loans• Ensures timely follow up on all applications according to queue maintenance procedures and contacts member regarding final decisions. • Mentor and coach processors who express an interest in learning more about the underwriting loan decision process. • Act as Subject Matter Expert on Equity Loan Products currently offered by PenFed and provide guidance to less seasoned equity staff

Alexandria, Va

• Managed progress of loan volume and a variety of projects to ensure department goals were met. • Provided guidance to employees, establish priorities and resolve complex problems. • Handled employee performance appraisals and coordinates the development of each employee, ensuring performance goals are established for each employee and progress monitored regularly. Provide assistance to staff, giving general guideline interpretations and answering questions on specific loan files• Oversaw Quality &Assurance of loan files and staff work. • Completed thorough analysis of loan files to determine credit worthiness of the entire credit package for residential mortgage loans. • Participated in the development of policy changes, program implementation and procedural improvements. • Prepared statistical reports related to branch operations.• Worked on various projects assigned by the manager and assistant manager.

Alexandria, Va

• Evaluated and reviewed initial loan applications and all supporting documentation to determine accuracy and completeness• Established contact with members seeking home equity loans and responded to questions concerning the equity loan process• Responsible for the processing of the Equity Departments most complex files which include escalated member complaint files, 80/10/10 loans, simultaneous closing loans, loss mitigation files and employee loans• Reviewed financials and approve simple income loan files (up to $400,000)• Developed training plan for incoming new hires and provide ongoing mentoring and coaching to assigned processors. • Performed Quality Assurance check on loan processor files in order to ensure files were complete, accurate and conformed to internal policies and external regulatory guidelines.• Act as Subject Matter Expert on Equity Loan Products currently offered by PenFed and provide product knowledge and guidance to less seasoned equity staff• Reviewed Equity Pipeline queue each day and identify processors in need of assistance with their pipelines. • Performed review of applications which received an auto-turndown decision in an effort to identify any missed lending opportunities and to uncover compensating factors; if warranted refer these files to management for further review• Evaluated the entire loan package: credit score, length of membership, collateral values, income documentation(limited review), income calculations, debt ratio, service reports and property insurance verification • Discuss counter offers with members when requested loan terms cannot be met and ensure the member is fully aware of all available loan options• Ensured timely follow up on all applications according to queue maintenance procedures and contacts member regarding final decisions.

Alexandria, Va

• Managed the daily activities of the Archives, Document Control, and Member Records Center; Provided guidance to employees, established priorities, resolved complex problems and ensured that department goals and standards were met• Ensured safety and security of records stored within the department• Conducted updates to members’ files and records • Established contact with members in regard to accounts and services that PenFed offer and to collect essential documentation; • Interacted with members, contractors and credit union personnel on all levels to resolve issues and exceptions to policy• Assisted with all responsibilities of a Member Records Processor, Camera Operator, or Archive Researcher• Responsible for supervision and upkeep of supplies and office equipment • Provided input, drafted, edited, proofed evaluations, projects, policies & procedures and concerns of staff & affiliate department needs• Scheduled and conducted monthly meetings to discuss office operations and project assignments • Developed/maintained production reports, providing statistics on outstanding work by category • Assisted supervisor in preparing detailed data in support of the annual budgetary cycle