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@santanderconsumerusa.com
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Jonathon Martinez is listed as Real estate agent and member of the National Association of Realtors at HomeSmart, based in Allen, Texas, United States. AeroLeads shows a work email signal at santanderconsumerusa.com and a matched LinkedIn profile for Jonathon Martinez.
Jonathon Martinez previously worked as Real Estate Agent at Homesmart and Senior Credit Analyst at Santander Consumer Usa. Jonathon Martinez holds High School Deploma, High School/Secondary Diplomas And Certificates from New Beginnings Christian Academy.
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AeroLeads found 1 current-domain work email signal for Jonathon Martinez. Compare company email patterns before reaching out.
Just another sheep following the Good Shepherd. I will go where the Lord leads me..My Quantitative Analyst on Underwriting:I review about 100-120+ applications a day. The first thing I look at when I pull an application is the name, DOB, & social. I compare it to the bureau and make sure they do not have a bureau freeze or an EFA alert or other discrepancies. • Once I determine there is none, I review the application and income and verify the year, make & model of the vehicle, the requested sales price, taxes, structure, cash down, & equity down. Then I review the applicants loan request which is anywhere from 5k-75k. To determine eligibility we break it down by tier which is analytical data that looks at there income, DTI, LTI, LTV, Kind of car & credit and compares it to like customers in this same tier and how those loans have performed.• At this point we either have an approval, counter or decline. But underwriting & mitigating risk is more than computer generated data. We are given the freedom to make exceptions to the tier which must follow fair credit practices and make logical & analytical sense. • I look at 3 things. Stability, Ability & willingness to pay and compare it to their bureau. There is a little more to it, but overall based on these criteria I can make the case that we should approve the application or deny it. Or make an exception and go over our max allowance for payment, loan amount, backend products, waiving a trade, excluding debt, waiving stops or fees.• All this is done within one ½ minutes and then the negations begin, and I make my case of why or why not we should do as requested. Or maybe I make a counteroffer with cash down or additional stops or fees. • There is another step and I kind of touched on it but when reviewing an application, I want to look for discrepancies or false data or possible fraud. You can tell by reading alerts listed on the bureau. You can also look at their income and job type, does it make sense? You can look at their address =, do you see any red flags, motel, hotel, lot#. Look at their age of credit vs how old they are. Does it match up? Look at the cash down does it match their Job? Money launders often buy expensive items to wash money. Overall, I am looking for red flags or anything that could put myself or the company and its shareholders at high risk. For the complete cover letter & Reusme please send me a message and I would be happy to send it to you.
Listed skills include Financial Analysis, Risk Management, Credit Analysis, Financial Risk, and 22 others.
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Phoenix, AZ, US
I am a Licensed Texas Realtor Lic# 814800. I have 12+ years experience in Credit and Risk assessment & almost a decade in Credit Underwriting and negotiations. My goal is to guide you through the buying process start to finish with a personalized plan that fits your financial needs in the most economical and efficient way possible.
Dallas, TX, US
Continuing with the duties as a CS I & II, as a Senior, I lead coordinate and act as a subject matter expert. Identify key issues and patterns from partial/conflicting data. Maintain a comprehensive working knowledge of all system policies and procedures. Monitor and assess the performance of others while offering credible coaching advice to develop the.
Dallas, TX, US
Dallas, TX, US
Open and close store. Prepare and lead strategy meetings every morning. Set and meet daily goals. Manage sales and marketing function in stores. Handle customer complaints and or concerns. Utilize all tools available to assist customers toward ownership. Schedule and make routes for drivers. Contact customers and collect payment. Accountable for inventory..
Discussed benefits of timely lease agreement renewal payments with customers. Assist with new merchandise returns and customer deliveries as needed. Clean and certify returned merchandise in the Quality Assurance Center. Assist in the Field as necessary. Contact customers and collect payment
Quick answers generated from the profile data available on this page.
Jonathon Martinez works for HomeSmart.
Jonathon Martinez is listed as Real estate agent and member of the National Association of Realtors at HomeSmart.
AeroLeads has found 1 work email signal at @santanderconsumerusa.com for Jonathon Martinez at HomeSmart.
Jonathon Martinez is based in Allen, Texas, United States while working with HomeSmart.
Jonathon Martinez has worked for Homesmart, Santander Consumer Usa, and Aaron'S, Inc.
You can use AeroLeads to view verified contact signals for Jonathon Martinez at HomeSmart, including work email, phone, and LinkedIn data when available.
Jonathon Martinez holds High School Deploma, High School/Secondary Diplomas And Certificates from New Beginnings Christian Academy.
Jonathon Martinez is listed with skills including Financial Analysis, Risk Management, Credit Analysis, Financial Risk, Credit Risk, Finance, Customer Service, and Team Building.
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