Lorey Johnson Email & Phone Number

Riverside, Rhode Island

• Responsible for the management of 6 direct reports and 18 indirect reports.
• Monitor my team’s daily production to ensure bank’s service level agreements (SLA) are met for the end-to-end underwriting process
• Ensured compliance to the bank’s risk frameworks; policies; standards; procedures and guidelines
• Analyze loan files submitted to ensure product and credit risk file requirements were met
• Complete knowledge and understanding of the income review process (wage earners, retirement/SSI/Pension income, self-employment income, and rental income), as well as thorough review of all associated documents
• Ability to underwrite new loan submissions and resubmissions as well as reviewing conditions in a timely manner

United States

• Oversaw a team of up to 21 to ensure all service level agreements were met.
• Coordinated the hiring process to ensure proper staffing levels were maintained and the team was comprised of qualified team members
• Oversaw the reporting process to ensure team statistics were reported thoroughly, accurately, and timely
• Maintained an ongoing focus on continuous improvement of Santander’s reporting, automation, policies, procedures, and workflow
• Maintained an ongoing focus on compliance, training, and development
• Worked with internal and external business partners to ensure key issues and initiatives were properly communicated

East Providence, RI

Achieved Best in Class by improving booking percentage in my Region by 4% for Santander's highest booking ratio of 90.1% increasing financial gain for bank.Decreased turn time for applications from income complete to approval by 3 days overall.Managed a pipeline in excess of 500 loans ensuring timely processing and accuracy of information.Acted as liaison.

Warwick, RI

Owned and operated an online retail business on eBay providing customers with handcrafted fragrances and other items for their homes.Created own fragrance line and label.Researched and developed relationships with multiple vendors.eBay Power Seller