- Structured and adjudicated near prime auto loan applications, utilizing Transunion and Equifax credit reports.- Delivered strong productivity results and ranked # 1 for fiscal year 2023.- Delegated with temporary Manager’s Authority to review and decision credit escalations based on the recommendations of Credit Analysts.- Handled second level escalation requests from sales team and provided the best resolution, ensuring risk mitigation and compliance.- Provided coaching to newer teammates, enhancing team performance in handling sales requests, improving call quality & dealer experience, and improving cycle times.- Led team calibration sessions focused on system enhancements and lending policies.- Ensured adherence to underwriting policies, procedures and regulatory guidelines, maintained high standards of compliance.- Collaborated effectively with sales teams and dealer partners, resolving telephonic escalations promptly and fostering strong client relationships.- Prioritized commitment towards Service Level Agreements & delivered quick resolution.

- Reviewed and adjudicated auto loan applications within Delegated Lending Authority of $150k by assessing customer’s credit worthiness based on credit history, employment, income determination and collateral valuation.- Performed structured and analytical functions on loan applications as per established procedures and credit policy.- Provided timely, effective, and personalized coaching to analysts to ensure all lending decisions are supported by an appropriate level of due diligence.- Prioritized commitment towards Service Level Agreements & provided quick resolution.- Ensured compliance to KYC (Know Your Customer), AML (Anti Money Laundering) and privacy policies.- Handled escalations from sales team & Dealer Track messages and provided alternative resolutions in the best interest of institution.- Collaborated with credit and funding analysts to create a customer centric and team working environment.

- Managed a diverse credit portfolio encompassing retail, commercial and agriculture lending with exposure up to $50MM.- Researched and analyzed financial and operating information related to companies and industries to assess credit risk of present and potential client exposures.- Performed Financial Statement Analysis, liquidity analysis, cash flow management including completion of financial statement spreading to facilitate risk rating of the entity and test compliance with financial covenants.- Conducted in-depth risk assessments and provided timely financial advice to clients, ensuring alignment with their evolving needs and business goals.- Supported Senior Account Managers on portfolio management needs for the business.- Led a team of tellers and customer service representatives, ensuring operational efficiency and adherence to regulatory standards.- Identified early warning signs of delinquency & collaborated with risk management team and relationship managers to take corrective actions & mitigate risk.

- Provided excellent account services to customers related to cash deposits and withdrawals.- Prepared security documents to establish contracts with financial recommendations to clients.- Performed Data entry work including documentation of credit applications.- Generated credit bureau reports for incoming credit applications & forward to credit officers.- Identified customer up sell opportunities & provided leads to branch manager.- Performed Data entry work including transfer transactions, check clearing and account opening under extreme staff shortage.- Prepared currency transaction reports and other mandatory balancing reports & reported to seniors before stipulated time frame.- Maintained Automated Teller Machine and kept zero cash difference for entire tenure.- Handled customer queries and provided the best fit solution.- Performed additional tasks as assigned, improving the effective functioning of Branch.