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Tamara Smart

@tamarasmart

Senior consumer underwriter at PenFed Credit Union, deciding up to $150,000 and handling roughly 2,000 applications monthly.

United States

Message

At PenFed Credit Union, I underwrite consumer loans with approval authority up to $150,000. I handle roughly 2,000 applications per month, with a typical decision turnaround of 1–2 hours.

I also review complex applications and policy exceptions, check loan files for compliance, and coach lending professionals on underwriting rationale. My work has been recognized with PenFed's Top Producer recognition and awards including the 2026 Impact Award.

Experience

Work history, roles, and key accomplishments

Current

Senior Consumer Underwriter

Current

PenFed Credit Union

Jan 2021 - Present (5 years 9 months)

Underwrite consumer lending decisions with approval authority up to $150,000, handling about 2,000 applications per month with a 1–2 hour turnaround. Ranked among top underwriters and recognized as a Top Producer with multiple performance awards.

Consumer Lending Team Lead

Navy Army Community Credit Union

Jan 2019 - Dec 2021 (2 years 11 months)

Led and coached 10 Member Service Representatives and 3 Lending Assistants, providing guidance on lending, interviewing, service, and funding. Reviewed consumer credit requests, made lending decisions, and performed pre-funding reviews while improving lending workflows.

Team Leadership Coaching Consumer Lending Credit Review Pre Funding Review Process Improvement Management Development

Consumer Loan Officer

Fire Fighters First Credit Union

Aug 2021 - Nov 2021 (3 months)

Processed and underwrote consumer loans, reviewed applicants' financial information, and made credit decisions within established lending limits. Worked with members to identify appropriate lending solutions while maintaining sound credit standards.

Consumer Lending Underwriting Credit Analysis Financial Reviews Member Services

Remote Lending MSR II / Loan Officer

Navy Army Community Credit Union

Jan 2016 - Dec 2019 (3 years 11 months)

Managed consumer loan applications from initial member interview through documentation and funding, combining credit analysis with hands-on lending service. Supported testing and go-live activities during a system conversion, earning recognition for performance.

Consumer Lending Credit Analysis Loan Processing Member Services System Testing DNA