Alfonso Sanchez Email & Phone Number

Irvine, California, United States

Review, analyze and underwrite complex auto loans within company guidelines.Assist with negotiation of contracts based on lending guidelines.Interact daily with automotive dealerships and gather information needed to make appropriate credit decisions with the ability to explain the rationale behind credit decisions made to dealerships and CIG Sales.

Orange County, California, United States

Process and complete loan files; examine motor vehicle contract documentation to ensure accuracy and compliance with corporate policy, program guidelines, credit stipulations, and state/federal laws.Perform credit investigations with external entities, including consumers, dealers, and others to validate employment, income, insurance, collateral, and other.

Newport Beach CA

• Review credit applications and analyze possible risks and creditworthiness.
• Responsible for timely interaction with dealers, finance managers, and sales reps to ensure deal approval and decline outcomes.
• Interact with senior credit analysts regarding tier exceptions, tolerances, and LTV advances on new applications.
• Monitor dealer performance portfolios, stipulations, and update condition approvals according to policy guidelines.
• Build strong business relationships with dealerships to maximize customer loyalty and retention.

• Analyze credit bureau reports to assess possible risks and creditworthiness.
• Responsible for accuracy and ensure company compliance throughout the underwriting process.
• Communicate with senior loan officers regarding credit exceptions and prepare customer risk ratings.
• Assist in the preparation of vehicle evaluation in conjunction with credit approvals for new and existing customers.
• Collaborate with all credit team members to ensure proper funding and loan closing.

Irvine

• Perform credit analysis and underwriting on all new deals, renewals and lease agreements.
• Adhere to company policies and logically document all credit decisions in the Salesforce.com database.
• Prepare credit approval documents and assist funding team with commercial vehicle evaluation.
• Conduct reference calls verification and communicates with customers on any discrepancies on their credit files.
• Review and clear credit stipulations of assigned deals and update account managers of underwriting status.

Santa Ana, CA

• Review credit applications and make sound decisions based on company guidelines.
• Analyze credit risk and financial information to determine the quality of the loan.
• Interact daily with automotive dealerships to negotiate and capture approvals.
• Build strong relationships with funders and dealerships to maximize potential business.
• Assist with the funding process and validating documentation to ensure compliance is met.

Tustin

• Responsible for cash management, change requests, and balancing of the safe.
• Prepare bank deposits and record data for cash, checks, and traveler’s checks.
• Manage employee payroll services and record cash receipts.
• Verify time cards for payroll and discrepancies.
• Generate weekly sales and cash reports.

Santa Ana

• Supervise checkout stations and provide assistance to team members.
• Provide world class customer service and ensure issues are resolved.
• Evaluate performance of cashiers and provide feedback.
• Ensure customer transactions are processed promptly and accurately.

Costa Mesa, CA

• Oversee day-to-day operations of the store
• Create and maintain a loyal customer base
• Identify contemporary retail trends and implement solutions
• Observe behavior of staff and guide them accordingly
• Ensure the accurateness of merchandise
• Implement policies regarding loss prevention, security, and safety

Bachelor Of Business Administration (B.B.A.), Accounting And Finance

High School Diploma