Credit Buyer for Northwest Region (WA,OR,AK,MT,WY,ID), underwriting credit portfolio for 36 dealerships. $75,000 loan approval authority. n Work with the DRM to decide on action plans, assist dealerships in achieving goals, conference with finance managers, directors, and General Sales Managers to review complaints/issues. n Helped grow Northwest Region from 2014 value of $ to 2015 $n Review escalated applications for acceptability, utilize metrics including Marketshare, profitability, Return on Equity, and dealer relationship to determine final decision or exception if warranted. n Assist in training and guidance of new hires and Underwriter 1s, review applications exceeding Underwriter 1 authority for acceptability. n In absence of Underwriter 3 or supervisor, assist in assigning queues, set lunches and breaks based on business need of the day.

 Manage average of 35-40 dealership loan portfolios  Increased monthly sales volume from $2.28 million March 2007 to $3.92 million June 2008, averaged in top 15% of Portfolio Management Teams May 2007-present, number 2 in nation June 2008. Negotiate with Finance Directors and Finance Managers for profitable loan performance; cooperate to seek best resolution on disputed declined loans.5 years underwriting experience utilizing all Equifax, Transunion, and TRW Reviewed and decisioned average of 180 dealer and consumer applications daily as Credit Officer while on Credit Review Team. Worked as Funding Coordinator assigning loans to each funder, managing each funder’s pipeline, and final review prior to audit submission.

Filing Homeowner claims, negotiating settlements, based on credit and payment history • Preparing loan documents, documenting claims information • Follow up on outstanding claims • Escalated call handling, customer service • Filing of legal claim documents • Account handling, Check posting

Daily/Monthly balancing company accounts, Bank statement reconciliation • Scheduling & entering of work exceptions • Employee reviews, Disciplinary , & Production supervision • Over see Distribution of refunds, commissions checks and statements • Complaint resolution and escalated call handling, enhancement training. • Quality Assurance • Billing and account maintenance • Post claims underwriting, new business acceptance, final approval on referred risks.

 Responded to 80 phone calls average daily, underwrote new changes to policies, cross-sold homeowners and auto products.  Educated customers on premium increases, changes in policy results, troubleshooting of accounts.  Earned California Property and Casualty License, cross-trained in home and auto underwriting.

Assistant supervisor to flexible staff team of up to 140 employees, maintained spreadsheets, set performance goals, enahancement training.