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3132 Woods Edge Drive ▪ Garnet Valley, PA 19060 ▪ (xxx-xxx-xxxx ▪ abc@xyz.com
Underwriter ▪ Portfolio Specialist
Well-rounded and energetic professional with 20+ years experience seeks new challenge
and opportunity to apply consummate skills as an Underwriter or Portfolio Manager.
♦ Key areas of Expertise ♦
Underwriting
Financial Analysis
Portfolio Management
Risk Management
Credit Investigation
Collection/Recovery
Negotiations
Auditing
Policies & Procedures
Document Management
Sales & Prospecting
Personnel Management
Leadership & Training
Customer Service
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Professional Profile
Escalate business development by underwriting new loans, increasing sales potential, and loan production; exceed goals and objectives
Results-driven professional who successfully performs all underwriting for new loans including credit analysis of the borrower, and financial and feasibility analysis of the project; manage portfolios of performing mortgage loans and property types including residential, office, flex-warehouse, and retail
Self motivated professional with expertise in commercial credit reviews and financial analysis; examine major credit references, transaction assessments, determine cross-selling opportunities, and facilitate negotiations
Organized and detail-oriented with experience in portfolio management and document preparation; conduct appraisal reviews, project economic analysis, inspection reviews, and loan compliance
Dedicated Leader who communicates complex information easily and concisely; supervise and positively motivate team players; provide training to junior underwriters; ensure exceptional customer service
Actively involved in the community; volunteer for the Brandywine Youth Club, Planned Parenthood, March of Dimes events and various other local children s and women s organizations
Proficient in Microsoft Word, Excel, PowerPoint, and all internal banking systems
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Employment History
HSBC Bank USA, N.A. ▪ Philadelphia, PA 09/2006 C Present
District Credit Officer/Team Leader 04/2009 C Present
Successful in expansion market role; Mid-Atlantic has prospered in booking larger credits, cross-border transactions, and complex core MME credits
Demonstrate superior leadership qualities; establish and positively motivate teams through communication, performance management, and development of reward system
Single signature lending authority who directs and supports team which provides small business lending services and credit management; ensure compliance of all policies and procedures
Boost business development by assisting and training branch management in the structuring and maintenance of credit and borrowing relationships; participate in negotiating, underwriting, pricing, credit quality, reporting of problem loans, financial analysis, and document management
Underwriter/Portfolio Manager 09/2006 C 04/2009
Key member who conducted underwriting of new transactions and effectively maintained existing portfolio
Maximized operations by preparing credit packages including thorough documentation, negotiation, and closing
Guaranteed that loans were booked in compliance to applicable policies; ensured appropriate relationship between risk and return
Effectively monitored the credit quality trends of the existing portfolio; finalized renewals and annual reviews and ensured accuracy of credit grades for proper capital allocation and return models
Designed and implemented functioning agreements between the credit and the line; optimized performance by establishing roles and responsibilities and training support personnel
Team player who participated on various task forces; implemented best practices and worked globally to deliver solutions to the customer
Wachovia Bank ▪ Philadelphia, PA 04/2003 C 09/2006
Senior Commercial Relationship Manager, Delaware County 06/2005 C 09/2006
Efficiently managed a portfolio of 55 commercial relationships with aggregate commitments of $145MM, average outstandings of $70MM, and deposit balances of $34MM
Increased annual revenues by 30%; focused on new customer acquisition and developed strategies for maintaining and permeating existing accounts
Vital contact who determined data to be utilized in the credit process and prescreening deals
Introduced product support specialists and provided excellent customer service; played an active part in the community adhering to Company core values
Senior Corporate Credit Risk Review Officer 04/2003 C 06/2005
Analyzed monthly judgmental sample of credits ensuring compliance with bank policies and procedures including regulatory guidelines; underwriting, servicing, and grading accuracy
Minimized losses as primary reviewer of credits with capital exposure exceeding $1MM
Endeavored to keep all OCC and internal audit reviews satisfactorily rated; established positive relationships with the line and provided advice on credit structuring, servicing, and grading
Participated in diverse projects including the LGD validation project, post-mortem reviews, policy manual revisions, and credit grade training
Underwriter III/Commercial Credit Products Manager 06/2000 C 04/2003
Wachovia Bank/First Union National Bank ▪ Plymouth Meeting, PA
Proficiently managed portfolio and capitalized on daily contact with customers; acquired referrals to other areas of the bank, and performed cross-selling of credit and non-credit products and services
Successfully endorsed large commercial accounts; assessed transactions, facilitated negotiations, and prepared all necessary underwriting documentation including financial statement analysis, sensitivity analysis, analyzing collateral, review and interpretation of environmental concerns, structure terms including loan covenants, other conditions, and determined credit grade
Launched annual renewals, conducted regular servicing, and provided client problem resolution
Demonstrated strong leadership; supervised underwriter associates and mentored junior underwriters
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Previous Employment
Underwriter III/VP, First Union National Bank ▪ Philadelphia, PA 08/1997 C 06/2000
Commercial Underwriter II/AVP, First Union National Bank ▪ Philadelphia, PA 02/1996 C 08/1997
Commercial Lender, AVP Community Business Banking Group 09/1993 C 02/1996
First Fidelity Bank, Chesmont Division ▪ West Chester, PA
Commercial Real Estate Representative, First Fidelity Bank ▪ Philadelphia, PA 02/1993 C 09/1993
Commercial Credit Trainee, First Fidelity Bank ▪ Philadelphia, PA 09/1991 C 02/1993
Various Positions, Ford Motor Credit Company ▪ Wayne, PA 06/1985 C 09/1991
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Education & Professional Development
Bachelor of Arts in Business Administration 1985
University of Delaware ▪ Newark, DE
Emphasis in Finance
Additional Training
Completion of all required training courses for Underwriters
First Fidelity Bank/First Union: Commercial Law for Lenders, Corporate Valuation, Financial Statement Analysis, Managing Interest Risk, Money and Banking
FMCC: Commercial State Analysis, Credit Management, Supervisory Skills, Selling Skills, Career Development
Various Sales Courses
3132 Woods Edge Drive ▪ Garnet Valley, PA 19060 ▪ (xxx-xxx-xxxx ▪ abc@xyz.com
[Date]
[Attention Line]
[Organization s Name]
[Address Line 1]
[Address Line 2]
Dear [Insert Name]:
This letter and the enclosed r sum are an expression of my interest in seeking a rewarding position as [Underwriter] within your organization. I bring 20+ years of valuable experience which makes me an excellent match for your advertised position.
You will gain a dedicated and motivated individual who can communicate well with all levels of the organization. I am able to inspire others to achieve common goals and create innovative solutions to complex problems. Expertise in underwriting, financial analysis, portfolio management, document management, policies and procedures, personnel management, and exceptional customer service are some of my strengths.
I would appreciate the opportunity to meet with you to discuss how my skills and background might fit in with [Organization Name s] current and future needs. Please do not hesitate to contact me for further information or to arrange an interview that best suits your schedule. Thank you for your time and consideration.
Sincerely,
Colleen Glackin
Enclosure
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3132 Woods Edge Drive ▪ Garnet Valley, PA 19060 ▪ (xxx-xxx-xxxx ▪ abc@xyz.com
[Date]
[Attention Line]
[Organization s Name]
[Address Line 1]
[Address Line 2]
Dear [Insert Name]:
Thank you for meeting with me on [Day]. I thoroughly enjoyed discussing the prospects of working for your organization. I continue to believe I can bring [Company Name] refreshing insight and energize those around me to increased efficiencies.
My background demonstrates my ability to successfully interact with individuals from diverse cultural backgrounds, and I am a diligent and motivated employee with a solid background of skills and accomplishments. Given the opportunity, I believe that I would be a valuable asset to your organization.
Thank you, again, for sharing your time and insights regarding this position. I enthusiastically await your call to update me on the status of my candidacy.
Sincerely,
Colleen Glackin
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