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.

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.
• 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.

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.

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.
• 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.

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