Consumer loan underwriting
Evaluates applications and borrower information to support accurate, timely, and policy-aligned lending decisions.
Senior Loan Underwriter
Sound lending decisions built on experience, accuracy, and integrity.
Christine Ducharme brings 30 years of banking and consumer lending experience, with deep expertise in credit risk evaluation, fraud prevention, regulatory compliance, and customer service.
- 30
- Years in banking
- 13+
- Years in senior underwriting
- NH
- Based in Bedford
Credit risk & fraud prevention
Consumer lending specialist
Professional profile
Experienced judgment. Consistent execution.
Christine is a senior consumer loan underwriter with a long record of evaluating credit applications, identifying risk, detecting potential fraud, and making well-supported lending decisions. Her approach combines careful analysis with strong customer service and a disciplined commitment to lending policy.
Across bank and credit union environments, she has maintained high standards for accuracy, documentation, compliance, quality control, and portfolio performance.
Core competencies
Expertise across the lending lifecycle
Practical experience supporting responsible growth while protecting the institution and its customers.
Credit risk assessment
Analyzes credit bureau data, income, debt, and application details to identify repayment risk and document decisions.
Fraud detection
Recognizes fraud indicators, escalates suspicious activity, and applies prevention standards to reduce financial exposure.
Regulatory compliance
Maintains complete, audit-ready records and follows federal, state, bank, and credit union requirements.
Portfolio performance
Supports portfolio quality within established origination, delinquency, and charge-off guidelines.
Customer service
Delivers responsive, professional service while balancing risk controls, business goals, and customer needs.
Professional experience
A career built in banking and consumer lending
2013–Present
Senior Loan Underwriter
Bank of America
- Originates high-quality consumer loans in compliance with lending policies and fraud-prevention standards.
- Evaluates credit bureau reports and application information to make sound, well-supported lending decisions.
- Identifies fraud indicators and escalates suspicious activity to help reduce financial and operational risk.
2008–2013
Consumer Loan Officer
St. Mary's Bank
- Originated consumer loans in accordance with credit union policy and business objectives.
- Reviewed credit reports and applicant information and prepared well-documented lending decisions.
- Managed portfolio performance within origination, delinquency, and charge-off guidelines.
- Maintained compliant, audit-ready records.
2000–2005
Sales & Operations Assistant
BancNorth Investment Group
- Supported sales and daily operations by developing account relationships and identifying financial solutions.
- Prioritized competing responsibilities and resolved customer needs through analytical problem-solving.
1996–2000
Teller / Portfolio Manager / Senior Customer Service Representative
Fleet Bank
- Processed financial transactions accurately while following cash-handling and internal-control procedures.
- Explained banking products, generated referrals, managed relationships, and supported branch goals.
- Opened and closed the branch and vault in accordance with security and regulatory procedures.
Community involvement
Committed beyond the workplace
Christine values service, teamwork, and supporting organizations that strengthen the community.
American Cancer Society
Volunteer involvement with Relay For Life.
Bedford High School Athletics
Volunteer support for Girls Hockey, Girls Cross Country, and Girls Track & Field.
Education
Southern New Hampshire University
Associate of Science, Business Administration
Graduated in 2002 and earned recognition on the President's List.
Technical skills
Tools & systems
Contact
Connect with Christine
Available to discuss senior underwriting, credit risk, fraud prevention, and consumer lending opportunities.