Mark Schonenberg Email & Phone Number

West Bend, Wisconsin, United States

Assessing risk for consumer credit applications for a wide range of products and services, such as home improvement, water purification systems, food and freezer packages, and holistic medicine products—all for a wide variety of prime, non-prime and subprime credit profiles. Reviewing high risk credit profiles for exceptions for applications by my team of Underwriters and Senior Underwriters. Using my credit experience and background to evaluate and negotiate subprime transactions.

Greater Milwaukee Area

Regional Credit Manager, August 2016 – July 2019• Managed a branch office of 15 staff members. Staff management responsibilities included assigning goals and objectives for staff, and developing and assigning training and coaching programs to staff to ensure that goals and objectives are met; enforcing company policies and procedures; and staff recruiting and retention.• Performed and negotiated underwriting for the highest risk transactions, including those with high monetary value, unique pieces of collateral, high loan-to-value transactions.• Ruled on out-of-policy credit exceptions to determine whether to proceed with a transaction.• Managed the branch’s portfolio revenue and delinquency by applying risk management judgment and company policies.• Provided training to staff regarding credit and underwriting policies.• Prepared operational or risk reports for management analysis.• Visited dealer partners to stay appraised of changes in the market and promote the brand. Credit Manager, Spring 2014 – August 2016• Managed a staff of six credit analysts/underwriters. Staff management responsibilities included scheduling; reviewing transactions; operating as an intermediary between credit analysts/underwriters and the regional credit manager; organizing teambuilding activities; and assigning goals and objectives for staff, and developing and assigning training and coaching programs to staff to ensure that goals and objectives are met.• Performed and negotiated underwriting for transactions.• Managed the team’s portfolio revenue and delinquency by applying risk management judgment and company policies. Credit Analyst /Underwriter, August 2011 – Spring 2014• Performed and negotiated underwriting for transactions.• Direct marketed the company’s product to our dealer partners.

Slinger, Wi

• Managed a staff of about ten sales representatives. Staff management responsibilities included hiring, and training, scheduling.• Ordered inventory in view of market conditions.• Negotiated sales transactions with customers.• Handled the responsibilities of the finance and insurance department when the department as needed, responsibilities included running and reviewing credit reports, submitting credit applications to lending institutions, negotiating terms and conditions with lenders.

Ba, History/Political Science

Activities and Societies: Phi Kappa Theta

Education record

Certificate