Erek Lemus Email & Phone Number

San Jose, Ca, Us

Seattle, Washington, United States

- Oversee delivery center pipelines within the US market for clients obtaining financing via Lucid Financial Services, encompassing lease or retail loan options. Utilize credit expertise to address declined applications and conditional stipulations, optimizing client approvals and managing escalations effectively.- Foster robust relationships with assigned studios/delivery centers and stakeholders to drive growth objectives. Facilitate cross-training initiatives across all startup areas to enhance team capabilities and operational flexibility.- Mentor sales field colleagues in effectively capturing business by providing comprehensive credit analysis and training on financing procedures to enhance understanding of the journey through Lucid Financial.- Proficiently generate lease and loan contracts in adherence to lender approvals, meticulously incorporating monthly incentives and programs, and accurately calculating money factors for leases and APR for loans. Expertly determine precise residual values based on client specifications including trim, year, and mileage. Efficiently manage quote intakes from sales, delivering precise payment estimates and due amounts at signing to enhance client satisfaction and business capture.- Lead the development and implementation of SOPs to ensure compliance and streamline operations, fostering robust processes to enhance market service. Establish accessible SOPs for cross-functional partners and departments, facilitating seamless collaboration and efficiency.

Salt Lake City, Utah, United States

- Analyzed, information received from consumer and business credit applications and credit reporting agencies to make prudent credit decisions, based on financial and income statements to decision business and fleet applications - Overall scorecard attainment for 2022 - 108.03%- Underwrite $500 million in credit submissions annually and underwrite fleet credit line relationships up to $1 million - advanced to the Rolls Royce underwriting team in 2022- Negotiated terms and conditions of application decisions with dealer stores within established approval and exception guidelines to ensure quality and profitability while mitigating risk and being an effective negotiator- Managed/enhanced dealer relationships and communicate credit decisions with well documented stipulations and building rapport with business partners to establish long term relationships - Call quality 2022- 92.90% of 90%- Mentored colleagues in new business policy and procedures to meet turnaround time and processes for our business portfolio as well as coach new credit analysts within the retail credit section - Created and facilitated weekly huddles, and region consistency meetings.

Sandy, Utah, United States

- Investigated, analyzed, and audited credit bureau reporting practices to ensure alignment with legal and compliance requirements - scored 129%- exceeding productivity and quality goals for 2021- Analyzed reporting metrics for opportunities to create process efficiencies and present to management team -Implemented a new pathway to respond to eoscar disputes and resulted in an addition of 25% hourly productivity. - Reviewed credit attributes to ensure accurate coding of credit bureau information for use in credit decisions Investigate and resolve consumer credit bureau disputes, including a review of internal account records and communication of corrections to the credit bureaus in a timely matter -scored turnaround time 129% for 2021- Investigated and resolved consumer credit bureau disputes, including a review of internal account records and communication of corrections to the credit bureaus in a timely matter -scored turnaround time 129% for 2021

Brigham City, Utah, United States

- Processed loan applications for members. Interviewing members and gathering proper documentation to make approval decisions based of credit, income, employer history and calculated debt ratios. - Initiated cross sales auto gap insurance, loan debt protections and warranties to members to protect consumer and credit union from any potential losses or burden on the customer. Sales were penetrated and driven to meet not only group, but individual sales goals and targets for the credit union. -Top seller for GAP protections for 2019- Assisted in managing branch including tellers, processes and day to day operations, including balancing cash drawers, valults, ATM machines and assisting staff with problem solving, customer service escalations, overrides on high risk transactions and mentor staff in cross functioning job duties to guide their future role

Brigham City, Utah, United States

- Processed and managed all vehicle titles and certificates for collateralized loans for all credit union lending department. Printing secured loan reports and execute letters to individuals not abiding by contract of adding liens, or missing titles- Communicated to all Loan officers and the Credit manager regarding title documents and procedures and act as POC for all title and licensing questions. In addition to having a strong communication with Division of motor vehicle and dealerships in to build rapport and manage missing titles. - Proactively enhanced new ways to improve policies and procedures to better our lending department in receiving titles and payoffs. Communicating with members either by phone or e-mails to help with questions or concerns in perfecting our lien.

Brigham City, Utah, United States

- Provided personalized financial advice and recommend appropriate banking products and services to meet clients' needs.Build and maintain relationships with clients to understand their financial needs and goals. Act as a primary point of contact for clients, addressing inquiries, resolving issues, and providing exceptional customer service.-Processed client transactions accurately and efficiently, including deposits, withdrawals, and account transfers. Open new accounts, including checking, savings, and investment accounts, and assist clients with account inquiries and maintenance.-Met and challenged sales targets and performance goals, such as account acquisition, cross-selling, and customer satisfaction metrics.

Tremonton, Utah, United States

Shift Manager - May 2013 - - Supervised up to 8 employees in a fast pace restaurant. Evaluated individuals to give them more knowledge of their job performance and goals met and provided mentorship for leadership skills. - Created goals and targets for team members to achieve on a daily basis. Obtain hourly reports to review peak hours and cost of labor to maintain a successful running restaurant. Applied all of the food safety procedures while maintaining a very clean fast and efficient restaurant.- Assisted in the people department to hire successful hardworking individuals to help grow and promote in a fast food restaurant. Review schedule prior to shifts to seek and execute any opportunities. Crew Trainer - 2011 - -Trained new employees and cooperated with shift managers to make a winning team. - Followed and enforced procedures and delegated tasks and job duties to crew to meet targets and goals for the peak hours. Crew - 2010 - - Provided outstanding customer service to customers.Helped in order taking to making food orders and delivering within targeted times to contribute to overall restaurant goals and metrics.- Communicated with customers to receive food orders and deliver accurate, fresh food. - Balanced cash drawers every end of shift and provided accurate change to customers as well as ensuring till had sufficient rolled coing, bills and receipt inventory.