Lisa David Email & Phone Number

Plano, Texas (Various Positions)

Responsible for examining and analyzing Consumer Credit programs, processes, documentation, and files to ensure activities follow the necessary internal and external regulatory/risk management practicesContribute to the development of new concepts, techniques, and standards to underwriting guidelinesConduct reviews including analysis and trending of findings, propose recommendations for change to impact future quality, test development, and reporting on results. Identifies risks and problem areas and recommends standards, policies, and procedures to correct deficiencies and improve performance. Managed a team of 8 credit analysts including 1 Sr. Analyst servicing dealersConduct corrective action performance meetings. Prepare and deliver midyear and annual associate performance reviewsPartner with quality assurance to ensure that Credit team is consistently aware and compliant with policies and proceduresConducted one on one coaching sessions with the credit staffSuccessfully managed to increase penetration in the South Central Region by effectively working with the Credit Analyst to formulate effective Dealer Strategies for High Sales Volume StoresManaged the Special Credit Team which consisted of 5 Senior Analysts. We were responsible for Mitigating and managing Risk for the entire Credit Department. My team supported both the Credit and Funding teams by reviewing and performing overrides and exceptions that were over and above the analysts' scope and authority while putting the company's' best interest firstExceeded all 2011 Target Goals for the Special Credit team, Service Levels for our Dealer Partners, delinquency goals and productivity goalsDeveloped the Retail Credit Toolbox as a reference guide for the entire Retail Credit DepartmentFacilitated Retail and Lease Programs training for the entire Dallas Funding TeamEffectively managed the team to meet both Credit and Funding Turn Time Goals*Held various positions between 2011 to Present

Dallas, Texas

Managed a team of 16 Funding Analyst that were responsible for the funding of approved auto loans for the largest sub-prime indirect auto lender in the countryResponsible for ensuring that team consistently collects all stipulations of the approvals along with verifying the accuracy of the original credit application used in the decision making processProvided coaching and mentoring for optimal performance by holding daily huddles and monthly 1:1's to set clear expectations and discuss areas of opportunitiesMet regularly with Sr. Management to discuss department trends and ideas on how to leverage synergies in other departments

Various Locations

Trained and coached Credit team to become compliant with our verification processes and procedures to ensure prime and non-prime contracts were in accordance with company policy, collaborated with management and sales staff to develop and implement Retail buying strategies throughout the Southwest Region, maintained adequate control of contract exceptions and interest rate exceptionsSignificantly increased loan acquisitions boosting revenueDeveloped and facilitated a progressive Webinar trainingImplemented coaching/training process specifically for the Retail Credit StaffCreated unique, monthly electronic publication leading to increased communicationDecreased dealership contract issues in a high-volume marketTrained and supervised 18 Retail Credit Analysts. Conducted mid-year tune up and annual reviews Analyzed and reviewed retail/lease acquisition and portfolio risk reports by identifying performance trends in portfolios and retail credit decision-makingManaged and implemented resolution for adverse trends within the credit decision process, reporting trends to management and field personnelAttained 142% increase in retail loan penetration and boosted dealership retail penetration from 39% to 54% in all Chrysler Product Sales by giving clients an insider view of their competitors' marketing strategies including advertising and provision of customer-centered hours of operation Strategically sold dealerships on the lease option after comparing residual profits and customer return rates when specifically applied to leasing and retail optionAssisted dealers by analyzing and suggesting opportunities for improving dealership financial performance and trained dealership personnel in utilizing new and existing Chrysler Financial products and servicesClosely examined financial statements and analyzed departments within dealerships to generate ideas focused on increasing profit flow through various business opportunities*Held Various Roles

DEALER RELATIONS MANAGER DEALER CREDIT ANALYST CUSTOMER SERVICE MANAGERRETAIL CREDIT ANALYST CUSTOMER SERVICE SUPERVISOR