NANCY LAURENZO
Phoenix
Summary
Experienced with mortgage origination, underwriting, and risk assessment. Bringing comprehensive knowledge of loan processing, compliance, and client satisfaction acquired through 23 years of Financial Industry experience. Track record of fostering strong relationships with clients and colleagues.
Overview
22
22
years of professional experience
Work History
Credit Analyst I
Global Credit Union
09.2024 - Current
- Evaluate credit applications and make credit decisions consistent with the Equal Credit Opportunity Act and all other existing authority, including credit union policies and guidelines.
- Rapidly underwrite and respond to credit requests sent to the Consumer Lending department by members, credit union branches, and network dealers.
- Validate automated lending decisions and complete administrative follow-up to ensure compliance, fair lending and member identification protocols are being followed.
- Evaluating and validating documentation requested in conjunction with granting loan request.
- Validate loan documentation requiring credit analyst approval to ensure accuracy prior to loan finalization.
- Field calls from network dealers, members and credit union branch personnel regarding loan requests.
- Perform other duties as assigned.
Senior Mortgage Loan Officer
Desert Schools Federal Credit Union
05.2016 - 09.2023
- Successfully funded over $100 million in real estate loans
- Assisted customers with completing loan applications and other paperwork
- Continuous mortgage education on legislation and regulations for licensing
- Monitored pipelines to track and log status of loans
- Generate weekly reports to streamline loan status updates, loan funding revenue & loan audit compliance
- Analyzed potential risks and evaluated loan products to identify suitable options for customers
- Worked closely with processors, underwriters, and escrow officers to quickly identify and resolve any lending risk
- Achieved consisted high rating reviews/surveys scores from members, real estate agents and mortgage underwriters for seamless loan transactions and file quality
Service Manager
Desert Financial Credit Union
02.2014 - 05.2016
- Managed branch staff of fifteen direct employees
- In charge of hiring and training all new branch employees
- Analyzed service reports to identify areas of improvement and audit compliance
- Evaluated employee performance and conveyed constructive feedback to improve skills and member experience
- Responsible for all branch operations, daily cash balancing, GL balancing, month-end systems report audits
- In charge of preparing branch for annual corporate audit to ensure all credit union & Federal Banking guidelines were executed accurately by branch
Assistant Service Manager & Solutions Rep.
Desert Financial Credit Union
08.2006 - 02.2014
- Focus on teller development
- Assist Service Manager in operations and compliance for the branch
- Educate members on a variety of loan products and available credit options
- Create new business opportunities and generate revenue for the credit union
Lead Teller
Wells Fargo Bank
12.2002 - 08.2006
- Assist tellers with transaction processing and procedures
- Refer consumer and business entities to personal bankers for further business opportunities
- Identify and cross sell value added products for consumers and businesses
- Ensure accuracy and efficient transactions for customers
Education
Business Administration -
Maricopa Community Colleges, Phoenix College
Phoenix, AZHigh School Diploma -
North High School
Phoenix, AZ 05-2002
Skills
- Credit analysis proficiency
- Underwriting
- Document analysis
- Sales forecasting
- Problem-solving
- Analytical and critical thinking
- Complex Problem-Solving
- Client Account Management
- Excellent communication
- Microsoft Office Proficient-Word, Excel, One Note, Power point
Languages
Spanish
Native or Bilingual
Timeline
Credit Analyst I
Global Credit Union
09.2024 - Current
Senior Mortgage Loan Officer
Desert Schools Federal Credit Union
05.2016 - 09.2023
Service Manager
Desert Financial Credit Union
02.2014 - 05.2016
Assistant Service Manager & Solutions Rep.
Desert Financial Credit Union
08.2006 - 02.2014
Lead Teller
Wells Fargo Bank
12.2002 - 08.2006
Business Administration -
Maricopa Community Colleges, Phoenix College
High School Diploma -
North High School
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