Jonathan Dlc Email & Phone Number

Oceanside, California, United States

Job Duties: • Maintain loan authority of $150,000 for both direct and indirect lending products.• Underwrote various loan products which included: credit cards, personal unsecured loans, personal lines of credit, solar panel loans, auto loans, motorcycle loans, military loans, and RV loans. • Reviewed and evaluated credit reports to determine acceptable level of loan risk.• Completed applicant interviews in order to obtain additional information as necessary.• Conducted applicant research using third party tools to verify identity, business ownership, stated assets, credentials, and clear near matches to OFAC non-permitted borrowers list. • Evaluated loan collateral as compared with request and current market conditions.• Effectively underwrote loans in accordance with policy and procedure while recognizing acceptable exceptions and documenting compensating factors that offset the increased risk.• Performed client field visits in order to build better indirect business relationships.• Made outbound marketing calls to indirect clients to create and generate additional business.• Educated both non-underwriting staff and external indirect clients on underwriting policy & procedures.• Concurred and provided feedback on applications from underwriters with lower lending authority.• Train and educated underwriting team on underwriting best practices.• Identified, developed, and recommend crucial loan policies and procedures updates.Achievements:• YTD 2022 indirect auto loan production exceeded over 400% of goal.

California, United States

Job Duties:• Nationwide underwriting of auto loans for Chase Auto’s Private Client Group – Tesla Finance, Carmax, Enterprise Car Sales, Hertz Car Sales, Avis Car Sales, and Sixt Car Sales.• Maintain specific knowledge of each client’s loan and funding program procedures.• Created production and performance tracking reports for department managers and peers.• Responsible for meeting Southern California Hertz Car Sales region production goals.• Kept up to date knowledge of products, policies, & services in a constantly changing environment.• Concurred and provided feedback on applications from Underwriters with lower lending authority.• Held high credit limit underwriting authority of $150k prime and $50k sub-prime for consumer and business loans.Achievements:• Ranked #1 Underwriter in loan production for 2020. Recipient of “Chase to the Top 2020” award. • Ranked #2 Underwriter in loan production for 2018 and 2019.• Top 100 QC Audit Award recipient 3 quarters in 2018, 3 quarters in 2019, 3 quarters in 2020.• Chase Auto’s Five Keys award recipient in 2020.

California, United States

Job Duties:• Decision loan applications in a high volume and demanding fast pace credit lending environment.• Experienced with various Wells Fargo Dealer Services lending products including: Direct, Indirect, Hardship Refinance, Insurance Deficiency Rewrites, Commercial Fleet and Business, and Carmax lending products.• Utilize department production data to create reports and performance tracking records.• Maintain positive business partner and dealer relationships.• Kept up to date knowledge of products, policies, & services in a constantly changing environment.• Concurred and provided feedback on applications from CLU’s with lower lending authority.Achievements:• Ranked #1 Non-Level 7 CLU in my department for 2013. • Decisioned 21,134 applications in 2014 for an average of 1,761 applications monthly. • Promoted to CLU 2 in 2014 and later promoted to CLU 3 in 2016.• Ranked within Top CLU Performer incentive category for 8 out of 12 months in 2016.• WF Dealer Services President Club Honoree 2016.• WF Consumer Lending Group Diversity & Inclusion Champion Award recipient 2016.

United States

Self Employed - Auto Wholesaler

United States

Job Duties:• Maintained positive business relationships with key dealership management with over 80 dealers. • Decision credit applications and captured new loans in the field.• Educated dealer staff on Fireside Bank’s credit guidelines and procedures. • Assisted collection and DMV departments with customer and dealer field visits. • Assisted funding department with loan verifications to increase funding turnaround time.• Prospected and researched new dealers to ensure they were reputable and had solid potential as a source of new business.Achievements:• Achieved over double the company average conversion for my territory.• Recipient of Fireside Bank’s monthly Star Award for top territory loan volume.

California, United States

Job Duties:• Recruited, trained, and managed sales staff members.• Structured, negotiated, closed sales contracts, and arranged indirect customer financing.

United States

Job Duties:• Established Internet Sales Department which helped increase sales and revenue.• Managed internet sales leads and follow up. • Structured, negotiated, closed sales contracts, and arranged indirect customer financing.

United States

Job Duties:• Worked with lenders closely to structure, approve, and fund deals.• Recruited, trained, and managed sales and finance staff.• Placed advertising of vehicle inventory in print publications and internet websites.

United States

Job Duties:• Fleet Sales for corporate and commercial accounts.• Specialized in dealer trading for aging inventory.• Maintained advertising for internet sales and fleet departments.

United States

Job Duties:• Sales of both new and used vehicles.