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