Review credit applications and render appropriate credit decision within credit policy requirements and in compliance with all regulations. Decision automobile applications submitted by dealership clients, placing emphasis on response time, quantity of applications processed and quality of application decisions.• Negotiate, structure decisions to maximize profit and enhance dealer relationships• Meet or exceed targets for return on equity, volume, conversion ratios• Coordinate with management, assist with ongoing business development via phone and scheduled outside calling efforts• Provide prompt, accurate responses to internal and external customer inquiries

Reviewed credit applications for nonprime, second chance auto financing. Analyzed information received from applications, credit reporting agencies to make prudent credit decisions. Negotiated terms and conditions within established approval/exception guidelines, leveraging risk versus reward, to ensure profitability. Conducted live customer interviews, investigations on non-prime applicants; gather, document information pertaining to credit decisions. Communicated with Operations to examine, evaluate proper documentation prior to funding

Managed daily activities of Client Service Team supporting home mortgage specialty lending. Mentored staff to ensure high level of customer service. Responsible for oversight of customer escalations; communication with customers, internal partners to ensure satisfactory resolution. • Hired, integrated new employees whose skills complimented existing team capabilities; business increase of 25% year-over-year, with team answering 15,000 inquiries annually• Evaluated staff performance, provided feedback via informal and formal discussions• Proactively managed teams’ work volumes and action items accurately within established deadlines and in accordance with existing policies and procedures• Managed client initiatives and remediations• Reviewed workload assessment for client assignments with an eye to aligning Top Priority Clients to Top Talent• Actively engaged, researched, followed up and resolved escalated client issues through effective interactions with clients, product partners, other staff in a timely and professional manner

Supervised day to day operations for Consumer Lending, overseeing underwriting and processing for home equity, direct auto, credit card and other unsecured loan requests. Prepared loan justification for presentation to senior management for requests above authority.• Partnered with senior management to increase efficiencies and decrease staffing; relocated department to new office within 90 days of hire• Boosted confidence and performance levels of staff by coordinating ongoing training that improved product knowledge• Maintained, reinforced a positive attitude to maintain a high morale within team, addressing detrimental influences quickly• Collaborated with senior management to coordinate and lead regular team meetings

Underwriter for home equity loans and lines of credit originated online and through call center. Provided guidance and feedback to call center representatives, banking center employees and management concerning applications, credit decisions.

Credit underwriter for home equity, vehicle and unsecured loan requests. Presented One Step Beyond Award in 2004 for top performance.