Corey Spiers Email & Phone Number

Alpharetta, Ga.

Greater Atlanta Area

Developed sales and account management strategy to grow relationship with key customer - Group 1 - with 175 auto dealerships and 230 franchises in the U.S. and abroad. Strengthened relationship with Group 1 through effective communication, collaboration, excellent service, and strong marketing strategy. Worked with dealership personnel and Gateway Underwriters to establish interest rates and terms for traditional and non-traditional (exceptions) loan applicants. ⇛ Major Impacts ⇚ • Grew monthly loan volume from $6MM to $8MM through consistent communication, collaboration, and increasing visibility with Regional Finance Managers

Greater Atlanta Area

Led team of 10 Credit Managers and Underwriters (inside support and outside sales staff) to develop Southeast sales territory. Created business plan and approach to its execution. Supported CMs in making initial connections and growing profitable relationships with Finance, Sales, and General Managers in target dealerships. Reviewed Underwriters’ credit, financial, and profile analyses, final decisions, and rates and terms for quality control. Monitored productivity, loan quality, and performance vs. goals. Drove compliance with internal guidelines and regulations set forth by OCC and CFPB. ⇛ Major Impacts ⇚ • Earned 1st or 2nd ranking of 5 regions for performance each month of tenure, an improvement of 1 - 2 positions

Greater Atlanta Area

Executed all credit, financial, and profile analyses submitted by 150+ dealers in East Atlanta territory. Evaluated loan risk, ability and likelihood to pay, and return. Determined interest rates and loan terms; worked with customers, dealers, and internal management to restructure terms in unique circumstances. Made approvals and underwrote $2.5MM - $3MM+ in auto loans monthly. Collaborated with sales partner to serve dealers and develop sales area. Met and exceeded yield, volume, and quality metrics set by leadership based on market conditions. Relayed feedback on sales incentives and goal structure to supervisors. Participated in annual online trainings to maintain and expand banking regulatory knowledge.⇛ Major Impacts ⇚ • Attained 115% - 120% of monthly loan volume goal and maintained .5% - .75% yields (25% - 50% better than established goal)• Consistently underwrote 99%+ quality loans based on pre-audits as well as 3 and 6-month audits conducted by Internal Audit department• Inducted into President’s Club and Master’s Club each year of service for exceeding aggregate of key metrics• Served as de facto systems expert due to extensive knowledge of software and hardware functionalityo Conducted pre-release testing (1 of 5 testers) for upgrades of Links and Daybreak loan softwareo Evaluated software and made recommendations to improve processes, organization, and functionality• Identified opportunity to save time on verification process and recommended automated service to Gateway leadership; service was adopted resulting in shorter loan cycle and faster funding

Greater Atlanta Area

Evaluated customer credit, finances, and profile. Underwrote auto loans for Atlanta and metro area dealerships. Positively impacted relationships through direct, effective communication and collaboration. Grew loan volume month over month.⇛ Major Impacts ⇚ • Ranked as number 1 SCA in branch based on loan volume and yield targets within 3 months of tenure• Attained 130% of $3MM+ monthly loan volume goal

Greater Atlanta Area

Managed high-performing team of 5 Credit Managers driving business development, underwriting process, and service delivery in GA and NC. Supported dealer relationships by coaching team on needs identification, service, engagement, and communication; facilitated terms flexibility for dealers as needed. Analyzed credit, risk, and trends and made approvals for complex loans (approx. 25% of total volume). Developed individual plans for CMs to achieve metrics and goals; provided guidance and training to drive professional growth. • Increased gross volume by 42% over 19-month period and expanded dealer base by 12% in same period through dealer collaboration, strong marketing, prudent analysis, and relationship focus• Reduced net losses by 38% through credit and profile quality monitoring and proactive customer follow-up

Greater Atlanta Area

⇛ Major Impacts ⇚ • Number 1 in profitability from 2004 - 2006 and gross volume production from 2004 - 2007 nationwide• President's Club member from 2003 - 2006