• Responsible for reviewing, analyzing and underwriting all indirect loan applications. • Assists in the development of new lending programs/procedures. • Provide support for all ITCU staff and junior underwriters regarding lending questions and technical assistance. • Review all system and co-worker forwarded applications, information and documentation to determine loan qualifications according to ITCU guidelines for all indirect lending product offerings. Documentation includes credit reports and employment and income verification. • Provides loan approval or denial reasons after reviewing indirect loan applications and notifies the appropriate party of such actions. • Works with the appropriate ITCU staff or partners to provide all follow up related to counter offers, contingent offerings, approvals, denials and additional information requests. • Works directly with the Indirect Lending Business Development Officers and Manager, and with the Indirect Loan Processor to deliver responses to dealers in a timely manner. • Provide follow up assistance on approved loans that are not received by Loan Processing to meet look-to-book standards.• Provides support to co-workers regarding policies, procedures, technical inquires and general lending information questions.• Maintain up-to-date knowledge on all Credit Union loan offerings, SOPs, risk-based underwriting parameters, and product-specific conditions, etc. • Maintain a working relationship with dealers and branch staff to ensure they are up-to-date on lending policies and procedures. • Ability to assist the Consumer Loan Officers in decisioning loans when needed.

• Provided day to day support and oversight of loan funding while resolving complex internal/external challenges.• Ensured that consumer loan policies, guidelines, procedures, and decisions met federal and state compliance regulations. Ensured staff kept up to date on all compliance regulations.• Oversaw and provided loan approval/denial reasons after reviewing loan applications and notified the appropriate party of such action.• Responsible for obtaining the necessary documents and signatures so loan processing could perfect collateral liens for the credit unions funded loans.• Maintained current knowledge on all credit union loan offerings and standard procedures.• Remained current on consumer lending market developments, news and trends.• Responsible for risk analysis which included performing audits and providing security throughout the loan funding process.• Directed and monitored work of department staff;

• I complete appropriate due diligence/financial analysis for requests for dealer credit lines (wholesale) and non-wholesale loans.• I complete financial statement analysis and make recommendations for the extension of credit.• Analyze financial statements of dealership wholesale accounts.• Evaluate dealership cash flows, performance ratios to develop assessments pertaining to a borrower's past and future performance.• Completes periodic credit reviews for existing accounts based on risk classification and according to policy and procedure requirements.• Prepare credit proposals which outline the nature of the request, summary of analysis completed, and recommendations.• Work closely with dealership personnel to obtain information to complete required analysis.• Ensure all loans are in compliance with approved terms and conditions.• Provide exceptional dealer service.

• Assist in the design, development and implementation of new and revised incentive programs specifically regarding their impact on incentive claims.• Maintains claims tool/application, along with managing the payment processes to include identification of process improvements.• Manages incentive claims process to ensure timely and accurate payment• Recommends changes to improve efficiencies and cost of administering incentives claims programs• Support outside vendors through implementation of incentive claims programs• Monitors the incentive claims feedback process with dealers, business centers and the OEM• Create and maintain financial presentations related to incentive claims• Provide business leaders with insight from and operational point of view to improve incentive claims.• Serve as a key interface between Chrysler’s dealer network, Sales Team, Accounting and IT departments to ensure smooth implementation of incentive activities.

• I analyze risk associated with extending credit to customers by reviewing credit bureau and financial documents upfront• Evaluate and validate loan applications and make recommendations or decisions for credit requests.• I communicate the decision to the dealership and negotiate the final terms of the contract.• Exceeded/Met goal every month• I have had outstanding success in building and maintaining relationships with key corporate decision makers, establishing large volume, high profit accounts. I have retained these customers by building a reputation of integrity, knowledge and accountability.• Through successful marketing, in both person and over the phone, I sold and average of $2 million products a month.• Researched market competition and their pricing to stay ahead of the key players in the marketplace.• I have the ability to maintain and develop good business relationships with over sixty dealerships.• I am familiar with banking regulations, underwriting techniques and lending laws. • Thorough understanding of the concepts of credit scoring.• Highly self motivated and flexible with the ability to meet tight deadlines and work under own initiative • I minimize risk by coaching and training my dealerships as to what kind of customer I am looking for. • Responsible or multiple projects. I handle cost management and schedule.• Supervised staff and facilitated credit policy training for funding and credit new hires.• Planned, coordinated and executed events. I oversaw the planning for meetings, training, and special events.

Loss Mitigation/Special Servicing Representative 03/10 to 10/2010• Research and members facing hardships and recommend options to reduce financial loss, including payment plans, modification, forbearance plans, deed in lieu, settlements and short sales. • Manage the process of selling real estate within prescribe investor and company guidelines• Handle all negotiations between the first mortgage lien holder, real estate agents, lawyers and customer to get the best possible outcome for Wingspan.• Provide marketing direction to brokers and real estate agents• Provide extensive loss analysis and recommendations to all aspects of loss mitigation for investor owned real estate.• Arrange for contractual services relating to property inspections, appraisers, real estate agents, etc., who may be involved in the inspection and valuation of the property.Bank of America – OCC – contract work through Wingspan• Review customer complaints that came from the Office of Consumer Complaints• Reviewed account to figure out when and where the problem started and the best possible solution to get the problem resolved.• Reached out to my many contacts to help get the problem solved• Typed up letter to customer with the outcome of my research

GMAC RESCAP MORTGAGEDallas, Texas Liquidation Advisor 12/09 to 3/10• Negotiation and execution of short sales and deeds in lieu of foreclosure• Analysis of loan history, asset attributes, and customer contact to determine whether referral for foreclosure is appropriate• Decision to charge-off assets, and Bid decisions for assets taken to foreclosure sale• Reception of disposition referrals and subsequent analysis to determine that all alternatives to allow ownership retention have been exhausted• Work within investor guidelines; negotiate with borrowers, investor representatives, real estate agents and other borrower representatives to obtain the best option for resolution.Loan Modification Specialist 07/09 to 11/09• Review each accounts financial hardship, including detailed pay history review, foreclosure rules and guidelines• Determine financial capacity and commitment of each homeowner• Provide customized modification solutions in order to provide the right solution for the homeowner increasing overall portfolio homeownership.• Work with attorneys and foreclosure vendors to assure fees/costs, timelines and guidelines are handled appropriately and timely• Analysis of loan history, asset attributes, and customer contact to determine whether modification is appropriate • Manage foreclosure fees/costs and timelines for loans in active portfolio.• Provide instruction to attorneys to hold, cancel, postpone, or proceed with foreclosure sale• Creative outbound efforts to increase right party contact• Utilize Skip Tracing tools to drive contact, and ultimately reduce delinquency.• Execute Modifications

Senior Credit Analyst• Decision credit applications for non-prime automotive loans according to company guidelines.• Communicate the decision to the dealership and negotiated the final terms of contract.• Coordinated with my area sales representative to establish relationships with dealerships.• Help identify high and low performing dealerships.• Market dealerships within my region to maintain and increase business.• Respond to internal and external customer inquiries and assist them accordingly.• Continually hit company volume, efficiency and personal goals.Collections Analyst• Process a high influx of inbound and outbound calls pertaining to the reconciliation and collection of delinquent automotive accounts.• Prevent impeding loss and increasing profitability through negotiation and enforcement of scheduled promises.• Compile and analyze data for monthly management loan loss reports to measure portfolio performance.

• Analyzed and made sound decisions on non-prime automotive credit applications.• Educated automotive dealerships with the help of the sales representative to improve territory productivity.• Top performer consistently in office of 40 credit analysts.

Credit Officer• Decisioned credit applications for prime and non-prime automotive loans.• Responsible for marketing programs to automotive dealerships within my region to increase business.Funding Supervisor• Managed a team of five funders who generated over $12MM in annual sales.• Provided training and coaching• Handled the more complicated tasks of the funding position; all accounts that fell outside of policy.• Handled all escalated phone calls. • Managed to department goals, which we always hit.• Analyzed reports to manage progress and assisted manager on special projects.• Trained, supervised and motivated funding analysts to credit analysts.