Lydia Harker
Fuquay-Varina
Summary
Experienced consumer loan underwriter adept in data analysis and risk management. Consistently ensures regulatory compliance and enhances consumer education, leading to successful loan approvals and outcomes. Recognized for precision and analytical skills, driving member satisfaction and sound financial choices.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Virtual Consumer Loan Underwriter
Dupaco Community Credit Union
Dubuque
05.2020 - 08.2022
- Evaluated online consumer loan applications for creditworthiness.
- Assessed risk factors associated with loans including applicant's debt-to-income ratio and capacity to repay the loan.
- Analyzed credit reports and financial documentation to assess borrower repayment capacity and history.
- Performed detailed analysis of collateral values to support loan decisions.
- Determined appropriate loan terms based on customer profile and credit score.
- Approved or denied loan applications based on established criteria while maintaining compliance standards set forth by governing agencies.
- Maintained accurate records of underwriting decisions and applicant communications.
Consumer Lending Consultant
Dupaco Community Credit Union
Dubuque
02.2018 - 05.2020
- Educated members on a variety of loan products and available credit options to promote valuable decision-making.
- Processed loan applications and conducted thorough credit evaluations.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Recommended loan approvals and denials based on customer loan application reviews.
- Approved or denied loan applications based on established guidelines.
- Identified opportunities for cross-selling additional products and services.
- Counseled clients on debt management and repayment plans.
- Attended periodic training sessions related to consumer lending operations.
Member Service Representative
Dupaco Community Credit Union
Dubuque
07.2017 - 02.2018
- Educated members on credit union services and financial products.
- Reviewed new account applications to verify eligibility of prospective members.
- Assisted with the opening of new accounts and processed account maintenance requests.
- Verified identity information on new accounts using established procedures.
- Identified opportunities for cross-selling additional products or services based on member needs.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
Teller Service Associate
Guaranty Bank And Trust
Englewood
02.2016 - 07.2017
- Performed transactional, operational, and customer support tasks through knowledge of bank procedures and products.
- Assisted customers in opening new accounts and completing required paperwork.
- Maintained an accurate teller drawer using high attention to detail, with only two negligible discrepancies throughout the entirety of employment.
- Conducted regular audits of vault contents to verify accuracy and security.
- Prepared and securely shipped excess coin and currency to the Federal Reserve Bank, as well as ordered and disbursed coin and currency to keep the vault balanced and supply daily branch operations.
- Identified and reconciled transaction errors when daily branch debits and credits did not balance, as well as identified and reported fraudulent activity.
- Trained new tellers on operational procedures and systems.
- Took on and completed special projects including the full overhaul and improvement of the organizational system of physical records within the branch. Audited all branch files and prepared expired records for shipment to off-site storage.
Education
High School Diploma -
Homeschool
Rock Hill, SC05-2014
Skills
- Data analysis and risk assessment
- Attention to detail
- Regulatory compliance
- Customer service and education
- Financial documentation
- Effective time management
- Problem solving
- Underwriting and decision-making
Accomplishments
- Recognized and honored as a Member Protection Specialist 3 years consecutively for exceeding Loan Protection sales goals and ending the year in the top 5 lenders organization-wide for highest percentage of personal portfolio with protection sold.
Certification
- NMLS licensed lender
Affiliations
Passionate about community service and education especially for underprivileged communities within and around my local area. Have always maintained regular community outreach and service hours both supported by or connected with former employer organizations as well as on a personal basis.
Timeline
Virtual Consumer Loan Underwriter
Dupaco Community Credit Union
05.2020 - 08.2022
Consumer Lending Consultant
Dupaco Community Credit Union
02.2018 - 05.2020
Member Service Representative
Dupaco Community Credit Union
07.2017 - 02.2018
Teller Service Associate
Guaranty Bank And Trust
02.2016 - 07.2017
High School Diploma -
Homeschool
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