Justin Hochmuth Email & Phone Number

Kalamazoo, Mi, Us

Manages a team of 4 fraud analysts. Responsible for coaching, training, development and defining accountability measures.Fraud analyst team generates $11 million in impactful fraud alerts to customers on a weekly basis.Builds custom strategies for customers utilizing Point Predictive consortium and derived data.Delivers product demonstrations, team trainings, and customer support both virtual and on-site for current and prospective customers.Creates thought leadership through blogs, interviews, and other company generated content. Builds custom queries that target high risk pools of fraud. These queries are leveraged by the fraud analyst team to alert customers of new threats. These queries have been utilized to identify 10,000+ fraudulent employers and thousands of synthetic fraudsters.

United States

Utilizes both technical database querying skills (PostgreSQL/Redshift) and a wealth of underwriting/auto finance experience to identify fraud at both the application and trend level.Routinely identifies and alerts $4 million in fraudulent applications to consortium member lenders on a weekly basis.Researched and discovered over 5,000 fraudulent employers within the Point Predictive consortium. Research featured on Auto News and Auto Remarketing.Manages client relationships and tailors fraud alerts to target client pain points and areas of opportunity.Panel speaker at 2022 Non-Prime Auto Finance Conference in Plano, Texas.

Greater San Diego Area

Extend $5,000 to $250,000 of working capital to small businesses by analyzing credit with personal credit reports, business credit reports, and supporting financial documents.Manage all fraud file investigations and utilize extensive knowledge of key fraud indicators to flag suspicious applications. Collaborate with management team to develop fraud training module.Top Performer in both production of over 16 daily applications and in quality of work.

Detroit, Michigan

Managed a team of up to 10 Credit Analysts and Sr. Credit Analysts. Regularly provided direct feedback, calibrated credit decisions, and set productivity and execution goals. Led team to regularly achieve all quality expectations of 97% and various turn time goals on prime and sub-prime applications, productivity, and dealer engagement. Managed regional territory including 30+ car dealerships and built strong relationships with dealership finance teams, general managers, and owners.Drove high-level credit decisions outside of credit analyst authority. Maintained high Credit Quality Assurance scores and territory rated #1 in both retail and lease portfolio performance. Exceeded $100 million in origination of auto loans and leases each month. Collaborated with sales team by regularly conducting dealer marketing visits to build relationships and secure financing agreements.

Chandler, Arizona

Managed a team of 5 Funding Process Analysts. Regularly provided feedback, coaching, and professional development and cultivated an environment that promoted high expectations, accountability, and new ideas.Managed the queue of hundreds of applications daily and made funding exceptions within my authority level. Considered numerous risk factors and supporting documentation to allow policy exceptions.Managed escalated internal and external communications by delivering focused, positive resolutions and building relationships with both internal and external customers. Collaborated with Credit and Sales teams to find positive resolutions to complex challenges and dealer relationship issues.Implemented Inbound Verification team and exceeded turnaround time expectations by 66% in a high call volume and fast-paced environment. GM Financial/Americredit President's Club Winner in 2017.

Chandler, Az

Managed up to 15 loan processors and led them to regularly surpass productivity expectations of 6 deals per day, QA 93.5%, and Sub-Prime Time to Fund of 2 days. Led and organized a mentor committee to assist in developing team members and drive center results. Delivered regular feedback and performance management to team members.Utilized critical thinking skills and vast knowledge of funding process and GMF policies to assist in expediting aged and/or difficult applications. Delivered speedy service and positive resolutions to positively impact dealer, credit center, and stakeholder relationships.Communicated policy changes and company updates to team and department, both written and verbally. Communicated with dealers and other third-party entities to ensure positive resolution during the funding process.Recognized as a top producer on the team with various awards.

Chandler, Arizona, United States

Regularly exceeded company standards for daily loan volume with high level of accuracy. Drove productivity by requesting additional workload after completing set tasks.Exercised critical thinking methods to resolve aged contracts and dynamic situations including potential fraud and other funding roadblocks.Developed subject matter expertise and became primary point of contact for other funders in my proximity. Served on the mentor committee to assist team members struggling with core responsibilities and expectations.Communicated with written and verbal correspondence with dealers, management, and other external entities in a professional, concise, and positive manner.

Master Of Business Administration (Mba), Business Administration And Management, General, 3.8

Bachelor'S Degree, Public History, 3.86

Activities and Societies: Golden Key International Honor Society, Students for East Campus, Phi Alpha Theta History Honor Society