Joaquin Sanchez Email & Phone Number

Texas, United States

Dallas/Fort Worth Area

Dallas/Fort Worth Area

Dallas/Fort Worth Area

•Credit Lending Authority of $150k per transaction and $200k customer exposure.• Analyzed and decisioned consumer credit applications to determine the credit worthiness of applicants.• Reviewed and interpreted TransUnion, Equifax and Experian credit reports.• Performed in depth analysis, investigation, and decisioned retail credit applications based on the company’s risk tolerance.• Performed detailed verifications (Red Flags) and documentation for all applications.• Negotiated tiers, terms and deal structure with dealers. • Focused on origination volume and credit quality of JLR portfolio for Mid-Atlantic Region.• Followed procedures and policies established by CHASE Auto Finance, Federal and State legislation.• Leveraged credit experience to make decision on exceptions or items outside of policy.• Managed a strong working relationship with 8-10 Dealer Relations Managers and Regional Sales Directors.

Roanoke, Tx

•Credit Lending Authority of $200k per transaction and $250k customer exposure.•Managed, developed, coach and motivate a team of 8-10 Credit Investigators I and II.•Credit Investigators are responsible for reviewing retail installment contracts and additional financial documents used to clear inconsistencies, along with conversations with applicants and dealers if needed.•Developed Credit Investigators to find resolutions to held contracts for financial (structure) related issues and non-financial issues.•Insure Credit Investigators can analyze credit data to determine degree of risk involved in extending credit.•Insure Credit Investigators are compliant to all Truth-In-Lending and compliance requirements.•Confirmed sound decision making and risk review when approving exceptions outside of the company policy.•Processed Approval or Denial of Flat Cancel request.•Led the Credit Investigations Team through multiple Billion dollar acquisition months.•Monitored dealer trends and identify and report adverse action to the Dealer Operations group. •Managed a working relationship with the Funding Department, Sales Team, Sales Support, and Pricing.•Executed employee individual monthly performance plans, Midyear and End of Year Reviews which includes merit increases and Employee Incentive Bonuses, and terminations.•Led the interviewing and hiring processes for internal and external candidates. •Planned, develop, and facilitated New Hire Training, using classroom training, demonstrations, on-the-job training, meetings, and workshops.

Roanoke, Tx

•Credit Lending Authority of $200k per transaction and $250k customer exposure.•Managed, developed, coach and motivate a team 8-10 Retail Credit Analyst I and II.•Trained Retail Credit Analyst to provide comprehensive analysis, investigation and decision of retail credit applications based on the company risk policy and then educate and communicate the credit decision to the dealer.•Approve any credit exceptions and ensure the exceptions were appropriate based on the company Credit Policy.•Monitored credit application and inbound call workflow to ensure coverage of queues and calls.•Executed employee individual monthly performance plans, Midyear and End of Year Reviews which includes merit increases and Employee Incentive Bonuses•Managed a strong working relationship with 10-12 Dealer Relations Managers and Regional Sales Directors.

Roanoke, Tx

•Credit Lending Authority of $75k per transaction and $100k customer exposure.•Analyzed and decisioned consumer credit applications to determine the credit worthiness of applicants.•Reviewed and interpreted TransUnion, Equifax and Experian credit reports.•Performed in depth analysis, investigation, and decisioned retail credit applications based on the company’s risk tolerance.•Performed detailed verifications (Red Flags) and documentation for all applications.•Negotiated tiers, terms and deal structure with dealers. •Followed procedures and policies established by TDAF, Federal and State legislation.•Assisted in the training of new credit analyst to properly administer credit policies and procedures.•Performed side-by-side coaching and guidance of analyst to ensure quality and consistency of credit decisions.