Sherilyn Johnson Email & Phone Number

Chandler, Arizona, United States

*Reviewed auto applications daily using research tools to identify and report unusual activity within a production setting. *Generated phone calls out of call-queue including business line transfers and claimant victims of identity theft. *Performed reporting function: Weekly AFS/Hogan report and daily Duplicate SSN report to determine possible fraudulent activity or clerical account errors. *Provided extensive knowledge and experience of Wells Fargo tools and systems including Credit Review (CRS), ITOP/AFS, SVP/Hogan, LexisNexis, Innovis, BSA/OFAC, and UAR portal. *Prefunding training in Credit Review (CRS) for new Auto Fraud team members ensure accuracy and proficiency

Chandler, Arizona, United States

*Reviewed auto applications using judgmental decision practices, documenting risk, and compensating factors. *Assessed and analyzed all major credit bureaus including Transunion, Equifax, and Experian to determine willingness and ability to repay the requested loan amount and determine affordability. *Communicated with a Wells Fargo banking representative and/or dealership representative to determine loan application accuracy to provide customer service functions to clarify any complex issues or concerns. *Reviewed completed auto applications to detect the possibility of fraud and prevent company losses using provided resources such as Lexis/Nexis and Innovis.

Tempe, Arizona, United States

*Reviewed the initial underwriting approval (conventional and government) and initiating contact with the borrower to review all required documents to request underwriting final approval. *Maintained a loan pipeline of approximately sixty (60) loans, ordering appraisals, reviewing the accuracy of the provided documents to adhere to program guidelines. *Coordinated closing with the title company, requesting updated credit supplements, opening escrow to request all title information, and requesting homeowner’s insurance and providing excellent customer service.

Tempe, Arizona, United States

*Reviewed, analyzed, approved, and underwrote large, unusual, or complex individual consumer request within company and industry guidelines. *Assessed financial statements, credit reports, and applicable ratios (i.e., Debt ratios & loan-to-value); examining transactions to ensure accuracy and completeness. *Prepared formal reports for review; ensuring documents are consistent to adhere to company and industry guideline. *Implemented fraud detection techniques, performing compliance reviews, and assisting with the re- negotiations of loans based on lending guidelines.

Risk Management And Insurance, Business Administration And Management, General, 3.0

Associate'S Degree, Accounting, 3.0

Activities and Societies: Pursued Accounting Degree