Stephen Gerace Email & Phone Number

*Underwrite and make loan decisions on consumer, indirect auto and home equity loans based on application input data. Obtains and evaluates credit bureau reports, income documentation, collateral valuation reports, flood certifications, title information, and other factors relevant to the underwriting of consumer loans.*Responsible for communicating loans decisions to Processors, Loan Closing Associates and auto dealerships including the ability to discuss loan denials and loan alternatives in a clear, concise, and courteous manner.*Maintains positive working relationships with the preferred dealers of Ardent Credit Union; conducts joint visits with Dealer Relationship Manager on an “as needed” basis.*Maintains a satisfactory response rate for dealers and Credit Union members.*Exercise decision making in compliance with credit union policies, procedures, and lending regulations.*Recognize, structure, present and approve additional loan opportunities to maximize member benefits and relationship.*Provide adverse action notices according to proper regulatory guidelines.*Meet or exceed production goals for Consumer Loan Underwriter position.*Maintain satisfactory asset quality based on delinquency and charge-off percentages.

Bensalem, Pennsylvania, United States

*Within unilateral lending authority and guided by the Consumer Loan and Home Equity Loan/Line score matrices, render individual decisions on consumer loan applications, after considering all factors relevant to the credit worthiness of the applicant and ensuring the loan conforms to Credit Union polices and procedures.*Respond to inquires concerning consumer credit and assist fellow staff and members with product information.*Used discretion and independent judgement in order to ensure loan application is given complete unbiased consideration.*Assisted management with the implementation of new consumer loan products, procedures and/or support services and recommend modifications where needed.

• Edited and processed loan modifications for rate changes, due dates and payment methods• Review loan applications and supporting documents for completeness and accuracy.• Upsold and cross sold other loan products such as, collateral, unsecured and home equities. • Issued checks, auto draft checks and forwarded payoff checks to other creditors.• Checked loan payments, credit scores, payment term calculations, lending policy tiers. • Upheld personal funding and selling goals under monthly production goals.

Washingtons Township, Nj

Providing financial advisementMaking transactions Assisted members in applying for loans and mortgagesHeld the highest tier rating for loan sales every month in the 2019 fiscal yearOpened traditional IRA and Roth IRA accounts for members

Mullica Hill, Nj

*Recording transactions*Counting and packaging current*Promoting TD’s products and services*Maintain vault balances and transactions*Completed monthly sales and service quotas

Sewell Nj

Business Administration And Accounting

Bachelor'S Degree, Accounting