Luis Arenas Email and Phone Number

Responsible for overall quality of Indirect loansManage, Coach and Supervise a group of 5 Senior Credit AnalystsWork closely with dealerships to develop relationshipsComplete monthly production reports and ratios to be presented to Senior ManagementReview Senior Credit Analysts decisions on daily basismaintain 1% less charge off for the whole indirect program

• Decision credit applications for new and used autos.• Conduct impromptu meetings w/ loan officer to communicate new policies.• Educated and interviewed potential members/customers in regards to credit worthiness.• Prepares production reports to upper management, also responsible for various reports for trending purposes.• Delegate and disseminate work load among loan processors• Responsible for maintaining high quality standard of underwriting while maintaining good relationship with dealers and fellow EECU employees. Booked over $412 mil in loans

• Review and Decision credit applications for auto purchases. This includes calculation of payment and debt to income ratios, reviewing credit bureau reports as well as knowing the proper interest rate to charge based on risk.• Work closely with area sales representative to capture contracts.• Require contacting dealers to get updates or time-line on committed contracts.• Review sales report on daily basis to determine yield and contracts in-house.• Requires constant communication with dealers and sales reps via phone or text messaging system.• Also held accountable for yield variances, contract volume and dealer efficiencies.• Work closely with area sales representative and manager to forecast future application flow or volume through trend analysis to determine future goals.• This position entails Analytical and Critical thinking as well as reasoning.• Also responsible for performing Quality Assurance Audits on loan officers under my responsibility.• Coached and mentored Loan Officers how to correctly interpret Credit Bureaus.• Supported my manager how to encourage to the team to perform bettero Like holding contestso Having impromptu meetings w/ loan officers to communicate current performance.

• Used credit bureau and applicant information to make decision on consumer and commercial credit applications based on credit history and income.• Communicated with customers and third parties to gather additional information such as length of employment, income, etc.• Also responsible for coordinating and assigning work flows and ensuring fellow credit analysts have updated information about recently implemented guidelines.