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Heidi Leigh Tinsley, 53712 Dennis St SW, Olympia, WA 98501

Heidi Tinsley Phones & Addresses

712 Dennis St SW, Olympia, WA 98501    360-7865067    360-7869762   

Tumwater, WA   

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Heidi Leigh Tinsley

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Work

Company: One washington financial/wsecu Oct 1996 Address: Olympia, WA Position: Director, q-cash

Education

School / High School: CUNA Managment School 2010 to 2013

Skills

Credit • Risk Management • Change Management • Mortgage Lending • Credit Risk • Customer Service • Process Improvement • Loan Origination • Business Process Improvement

Interests

I Enjoy Traveling • Going To Concerts • Reading • Wine Tasting • Listening To Country Music • Hosting Family Gatherings • Nashville Is One of My Favorite Cities

Industries

Financial Services

Mentions for Heidi Leigh Tinsley

Heidi Tinsley resumes & CV records

Resumes

Heidi Tinsley Photo 11

Director Of Q-Cash Financial, Llc

Location:
Olympia, WA
Industry:
Financial Services
Work:
One Washington Financial/WSECU - Olympia, WA since Oct 1996
Director, Q-Cash
Education:
CUNA Managment School 2010 - 2013
Skills:
Credit, Risk Management, Change Management, Mortgage Lending, Credit Risk, Customer Service, Process Improvement, Loan Origination, Business Process Improvement
Interests:
I Enjoy Traveling
Going To Concerts
Reading
Wine Tasting
Listening To Country Music
Hosting Family Gatherings
Nashville Is One of My Favorite Cities

Publications & IP owners

Us Patents

Statistical Model For Making Lending Decisions

US Patent:
2019011, Apr 18, 2019
Filed:
Oct 13, 2017
Appl. No.:
15/783944
Inventors:
- Olympia WA, US
Ben Morales - Olympia WA, US
Heidi Tinsley - Tumwater WA, US
Mark Baumgartner - Olympia WA, US
International Classification:
G06Q 40/02
G06N 7/00
Abstract:
A statistical model enables a lender financial institution to leverage multiple relationship attributes of a borrower to predict whether the borrower is capable of timely paying back a loan. The statistical model is generated to provide a multitude of relationship attribute coefficients based on historical borrower data of a multiple borrowers from an alternative loan approval process. The multitude of relationship attribute coefficients are applied to corresponding relationship attribute values of a borrower that is seeking a loan from a financial institution to generate an intermediate borrower score for the borrower. A probability of the borrower not being charged off on a loan after a predetermine time period is then calculated based on the intermediate borrower score. Accordingly, the loan may be determined to be approved or denied based on a comparison of the probability to an approval cutoff threshold.

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