Melissa Martins Email & Phone Number

• Responsible for maintaining and supporting a portfolio of dealerships in the Western Canada region
• Provide high level of customer service to our dealer partners and assist them in meeting their objectives
• Accountable for monthly and daily monitoring to ensure proper credit risk exposure
• Identify any issues and escalate to management as necessary
• Build and maintain productive relationships with other departments and business partners to fulfill responsibilities of the role

• Conducted inventory and administrative audits at various dealerships across Ontario
• Analyzed incoming audits ensuring enhanced due diligence is completed and prepare audit results for escalation to Credit Analysts and Senior Managers
• Demonstrated exceptional attention to detail and can escalate issues through the appropriate channels
• Developed strong relationships with dealer partners by communicating effectively and gathering required information and documentation to support audit findings and results

• Reviewed escalations from supporting departments and Junior Credit Analysts according to established credit policies and procedures
• Assessed the risk of each application and granted exceptions outside of standard policy when warranted
• Coached and mentored Junior Credit Analysts on proper adjudication of credit applications identifying areas in need of improvement and provided feedback

• Analyzed consumer credit applications while educating our business partners about our decisions
• Worked with supporting departments to underwrite and efficiently fund high risk loans
• Demonstrated effective problem solving skills by resolving issues in a timely manner while effectively utilizing the escalation process

• Assessed income documents on approved applications to determine validity and affordability
• Assisted several dealer partners with any issues related to income verification process
• Collaborated with the internal fraud department by assessing suspicious paystubs to identify discrepancies and misrepresentation of information

Toronto, Canada Area

• Reviewed residential mortgage and personal credit applications in accordance within assigned discretionary limits
• Worked in partnership with Mobile Mortgage Specialists and branch representatives on applications submitted ensuring business results and customer satisfaction
• Escalated with recommendation credit applications that exceed discretionary limits and guidelines
• Performed required due diligence in support of all credit applications

• Processed customers daily banking transactions and engage in conversation to understand their banking needs by providing them with advice and appropriate products and services
• Demonstrated exceptional customer service by using the Customer Experience Index attributes
• Contributed to the achievement of branch business objectives by meeting or exceeding individual sales and referral goals
• Ensured necessary due diligence to support the accuracy of all customer transactions

Certificate, Human Resources Management

Certificate, Entrepreneurship/Entrepreneurial Studies

Business Management Diploma, Business Administration And Management, General