Shane Watts
SYDNEY,NSW
Summary
Industrious senior underwriter skilled at meeting benchmarks for risk control and business profitability. Successful background working alongside agents to assist with marketing and sales objectives. Desiring to bring several years of related experience to a dynamic new role with room for advancement. Detail-oriented Senior Underwriter with expertise in risk assessment, compliance evaluation, and financial analysis. Committed to delivering accurate loan assessments and quality control to uphold company standards.
Overview
20
20
years of professional experience
Work History
Senior Underwriter
HSBC
Parramatta
12.2018 - Current
- Evaluated insurance applications to determine risk and coverage requirements.
- Reviewed underwriting guidelines to ensure compliance with company policies.
- Analyzed financial statements to assess applicant creditworthiness and reliability.
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Performed quality control reviews on all approved and declined loans prior to closing.
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
- Evaluated risk factors of loan requests to confirm alignment with established approval criteria.
Business Manager
Rams Home Loans Blue Mountains
Springwood
03.2015 - 11.2018
- Managed team performance and workflow at Rams Home Loans Blue Mountains.
- Developed and implemented operational strategies for improving loan processing efficiency.
- Coordinated training sessions for staff on customer service best practices.
- Oversaw compliance with industry regulations and internal policies.
- Reviewed loan applications to ensure adherence to company standards and guidelines.
- Managed a team of staff members, providing guidance and direction to ensure successful completion of projects.
- Monitored inventory levels of supplies needed for daily operations and ordered additional items when necessary.
- Gained product knowledge to assist team members with structuring customer purchase, closing and delivery.
- Provided training sessions for employees on new software systems used in business operations.
Credit Underwriter
Rams Home loans -Head Office Sydney
09.2006 - 02.2015
- Evaluated loan applications for compliance with lending guidelines and policies.
- Analyzed credit reports to assess borrower risk and eligibility.
- Collaborated with mortgage brokers to gather required documentation for approvals.
- Reviewed financial statements to determine applicant's repayment capacity.
- Communicated decisions clearly to clients and stakeholders regarding loan status.
- Ensured adherence to regulatory requirements throughout the underwriting process.
- Provided recommendations for approval or denial of loans in accordance with established guidelines and policies.
- Participated in training sessions designed to enhance knowledge base around underwriting practices.
Education
St Andrews Cathedral School
SYDNEY, NSWSkills
- Underwriting guidelines
- Loan assessment
- Risk assessment
- Compliance evaluation
- Financial analysis
- Documentation review
- Quality control
- Risk mitigation strategies
- Problem solving
- Attention to detail
- Effective communication
Timeline
Senior Underwriter
HSBC
12.2018 - Current
Business Manager
Rams Home Loans Blue Mountains
03.2015 - 11.2018
Credit Underwriter
Rams Home loans -Head Office Sydney
09.2006 - 02.2015
St Andrews Cathedral School