Robert Harding Email & Phone Number

Dallas/Fort Worth Area

As a Credit Analyst II, I am responsible for reviewing and analyzing credit information as well as risk analysis on auto loan requests with in the operational guidelines and manage a list of assigned dealers. Analyzes credit applications based on Santander Consumer USA's program and negotiates a structure with the dealer that puts Santander Consumer USA in a profitable position. Builds relationships at the dealership level to increase closure rate. Follows up with dealers on pending contracts. Assists in resolving problems that may arise on pending contracts. Meets monthly application and funding volume goals within assigned portfolio.

Dallas/Fort Worth Area

As of January 2015, the two companies Car Finance Capital and Flagship Credit Acceptance merged forming one of the largest Non-Prime Auto Lenders in North America, providing indirect automotive financing options for over 6000 Dealers.Loan Officer Flagship Credit Acceptance January 2015 – November 2016 Credit Analyst CarFinance Capital January 2014 – January 2015 Customer Retention Specialist CarFinance.com March 2013 – January 2014 Credit Analyst CarFinance Capital February February 2012 – March 2013 • Accomplished Remote Worker• Developed and maintained business relationships with auto dealerships on a nationwide basis.• Analyzed loan applications submitted by auto dealerships electronically through Dealer Track and Route One for the purpose of indirect auto financing.• Provided on-the-job training to members of the credit and funding teams.• Prepared monthly reports and production projections for assigned regions.• Facilitated Direct Automotive Financing for CarFinance.com by assisting customers with our online credit application process, collection of stipulations and referrals to select Franchise Automotive Dealerships from coast to coast.

Dallas

Assistant Director of Security March 2011 – February 2012 Security Supervisor November 2008 – March 2011 Public Safety Officer (Part Time) October 2001 – November 2006 • Provided full spectrum security, customer and tenant services. • Monitored CCTV monitoring equipment. • Provided first responder emergency medical services.• Assisted the Law enforcement and fire department personnel as needed.• Provided support and reinforcement to senior management staff.• Provided superior client service to Mall Management and Engineering departments.

Dallas/Fort Worth Area

• Shoplifter Apprehensions• Observed and deterred any act of dishonesty from internal and external threats.• Completed and distributed paperwork in an accurate and timely manner.• Encouraged associates use of company shrink reduction resources.• Participated in investigations and surveillance.

• Developed and maintained business relationships with approximately 900 auto dealerships in Texas, New Mexico and Oklahoma• Analyzed loan applications submitted by auto dealerships electronically through Dealer Track and Route one for the purpose of indirect auto financing• Provided on the job training to members of the credit and funding teams• Prepared monthly reports and production projections for assigned regions

Associate Funding Manager 2001 – 2003 • Successfully led a department of 15 funders and credit investigators responsible for the timely funding of automobile retail installment contracts from approximately 1500 franchise automotive dealerships in the south central United States.• Insured compliance to both company policies and state regulations.• Responsible for the training and development of all Funding Department personnel.• Completed performance evaluations for all direct reports.Senior Buyer 1999 – 2001 • Established relationships with automobile dealerships in the northeast Texas region for the purpose of sub-prime automobile financing.• Evaluated loan applications submitted by automobile dealerships to determine eligibility according to underwriting guidelines.• Supervised the development and training of Dealer Service Center personnel.Branch Manager 1997 – 1999 • Initiated and developed automobile dealer relationships. • Successfully managed an 8 million dollar portfolio of sub-prime auto loans.• Cross trained personnel in all areas of branch operations.• Maintained automobile dealer relationships while cultivating new business growth.• Minimized losses through compliance of company underwriting guidelines, effective collection efforts and repossession liquidation.Senior Assistant Branch Manager 1995 – 1997 • Initiated the development of dealer relationships in the northeast Texas area.• Assisted the branch manager in all aspects of branch operations such as loan gain, legal issues, compliance with state lending regulations as well as company policies and procedures, repossessions, delinquency control, the repair, detail, and disposal of repossessed units minimizing the deficiency balance thereof.• Coordinated a detailed training program for staff members, which allowed for cross training which maximized production while at the same time maintaining a high level of staff morale.

Generated new secured and unsecured loans business from current and previous customers. Sold financial products such as Credit Life, Credit Disability and short term life insurance. Staff training and development. Collections

Business Development, Customer retention, Branch Accounting, Staff Development, Customer Service, Collections, Product Delivery and Set up

Customer Service, Loan Gain, Collections, Sale of financial products and services