Underwriter – East Coast Division. Review file submission to determine loan meets LMC guidelines. Review credit, income, assets, property documents in file. Calculate income, review bank statements and bank statement spread for data accuracy. Review purchase agreement, appraisal, closing documents. Review conditions as submitted. Review loan for final approval to ensure it meets guideline and investor requirements. Respond to QC checklist once file is cleared to close and provide all necessary documents in file as required. Respond to any post closing emails received for items needed for final purchase. Communicate effectively with the operations team and senior management.

Gather loan documentation including business and personal financials, submit files to credit and work with clients and team members throughout the application and closing process.Review and analyze financial statements. Complete upfront basic cash flow and collateral analysis; assist the credit analysis with the underwriting process.Obtain and submit complete financial packages. Structure appropriate loans based on client’s needs.Present loans to senior credit officers and/or loan committees.

* Evaluates the credit worthiness of prospective businesses in accordance with CAN Capital Credit Operations policies and procedures* Identifies gaps in credit and funding packages while effectively communicating to internal and external partners recommended courses of action* Demonstrates excellent due diligence and attention to detail when processing deals by placing emphasis on response time, quantity of contracts processed and quality of contracts approved* Obtains and reviews credit reports, evaluates credit worthiness and performs credit investigations, as needed* Facilitates the funding process by effectively communicating necessary information internally and externally to compile merchant packages in order to make informed decisions on appropriate terms and conditions* Captures meticulous notes to support processing and decisions within portal* Demonstrates a sense of urgency in organizing work and completing the underwriting process; takes ownership* Uses sound judgment; follows guidelines, policies and procedures; takes proactive steps to complete tasks and to resolve issues and concerns* Resolves conflicts constructively; maintains and builds relationships both internally and externally over the course of completion

• Assist merchants and customers within a high-volume inbound call requests in relation to credit programs.• Examine and analyse credit requests and render credit decisions across all credit solutions programs.• Review credit reports, statement of earnings, and balance sheets utilizing multiple system modules. • Manage program objectives, ensure regulatory compliance, and drive monthly quality and performance goals.• Coordinate and execute diversified functions and balance competing priorities to drive efficiencies.• Recommend process improvements to improve efficiency and the customer experience.• Perform financial analysis for commercial deals.

• Responded to inbound customer calls, evaluated customer needs, and furnished product-related solutions.• Consistently met scorecard requirements for productivity, plan adherence, quality and attendance. • Reconciled errors and determined post-order issues such as returns and follows up meet customer needs.• Drove repeat business and kept customers informed on the status of orders.• Efficiently documented the details of customer interaction into a proprietary system.

Responsible for counseling consumers about financial matters and credit union products and services; research and analyze account data to effectively resolve multiple types of complex account problems. Possess a comprehensive knowledge of policies and procedures pertaining to the submission, evaluation and processing of consumer loan requests; credit union/banking regulations; and pertinent Federal laws. Execute resolutions for the more complex situations pertaining to policies and procedures, automated/on-line services, loan analysis and loan approvals

Responsible for processing mortgage loans from preliminary application to closing; maintaining open lines of communication with loan officers, staff, closing agents, builders, realtors and customers. Prepared files for underwriting and was trained in assisting underwriters. Reviewed and audited various loan documents in accordance with state & federal regulations and investor guidelines.