Matthew Scrougham Email & Phone Number

Phoenix, Arizona, United States

Phoenix, Arizona, United States

Phoenix, Arizona Area

Actively review consumer loans, including direct, indirect and home equity, designated as unable to be approved or denied by an automated, score-based lending system. Deliver sound decision-making on branch-initiated and web-initiated auto lines, refinancing and home equity loans, collaborating with multiple auto dealerships in the area.Contributed to the team completing $17MM in indirect lending during the past month, and provide decisions within 30 minutes for dealerships requiring quick turnarounds during the vehicle financing process.Successfully handle direct lending product decisions on home equity, auto purchases from small dealerships or private parties, and the refinancing of auto loans from a current lending institution to the credit union.Provide services and decisions on an average of 50 loans per day, working on a team of five to nine employees, and holding limits of $50K for independent decisions on secured loans and $10K on unsecured lending.Evaluate each borrower’s information, including collateral, credit, ratios and risk to make appropriate decisions, analyzing employment, time on the job, residential history, and creating an individual credit performance story.Provide guidance and coaching to branch staff to increase accuracy and efficiency, reducing corporate risk, delivering key knowledge in identifying why applications are declined, including red flags, and reading credit reports.Ensure adverse action notifications are properly handled in accordance with regulatory guidelines.Provide feedback to managerial staff regarding trends and system errors to improve overall efficiency.Achieved outstanding loan statistics for the past two months, including 720 consumer deals and 107 home equity loans in February, and 800 consumer deals, 131 home equity loans and 40 indirect loans in March.Ranked third in the department in production immediately out of training, working on a team of nine.

Phoenix, Arizona Area

Facilitated processing, interfacing, disbursement, and accuracy auditing across a wide range of consumer lending products.Developed and maintained a broad base of lending knowledge, including detailed technical aspects of multiple products across the lending spectrum, to ensure accuracy and drive consistent productivity within the department.Processed and funded 2400+ loans per year, ranging from $10k up to $300k, with an average value of ≈ $25k.Specialized in Home Equity and Indirect Dealer Auto Loans, interacting with members, dealers, title companies, and other credit union staff, to disburse funds within guidelines, build positive relationships, and drive profitability.Reviewed all loan documents, auditing for accuracy and verifying terms to reduce risk and organizational liability.Interfaced loans into the CORE system in a timely manner, confirming data, and preparing documents for imaging.Opened new member accounts in conjunction with indirect dealer loans, and cross-sold additional products.Conducted new employee training, based on demonstrated proficiency, accuracy, and established work ethic.Created standardized procedures to establish uniformity and streamline regulated record-keeping processes. Built a detailed productivity tool to assess average daily/weekly/monthly volume across all funding specialists.

Phoenix, Arizona Area

Developed relationships with current and prospective members to create value, inspire loyalty, and exceed branch goals.Conducted outbound and inbound activities to communicate benefits and advantages of value-added products.Delivered high-touch service, to make members feel valued and listened to by positioning products based on needs.Met and exceeded individual goals by diligently focusing on greatest opportunities and networking with colleagues.

Fishers, In

Became fully immersed in training program, rotating through departments and branches to understand opportunities.Developed fundamental understanding of Credit Union banking philosophies and contributed to continued growth.Advised members of advantages and sold lending products, including auto, signature, and home equity loans.

Master Of Business Administration - Mba

Bachelor Of Business Administration & Finance

Master Of Business Administration (M.B.A.)