Scott Erholm Email and Phone Number

In Market Senior Underwriter hybrid Sales Role.

● Manage branch staff of 8 associates in sales, underwriting and funding● Effectively growing market share and production volume through targeted sales and customer service approach (Ohio and Michigan Markets) ● Responsible for budget development, volume allocation by territory and strategic plan for maximum profitability and service levels ● Company leading Regional Business Center in ROA 6+%● Solid field presence, challenging and collaborating with sales team to become true business partners with dealer customers – improving application flow, credit quality, volume and dealer utilization

● Manage underwriting and production of the largest branch in the region, exceeding volume and credit quality targets, while maintaining high customer satisfaction rates ● Conduct internal audits to ensure underwriting is compliant with regulatory guidelines and internal P&P ● Provide accurate forecasting of volume and spread to Senior management ● Actively recruit and oversee training for all new branch employees - growing staff from a team of five to a department of twelve analysts and a Credit Supervisor ● Assist with production budget development, volume allocation by territory and strategic plan for maximum profitability and effectiveness - accountable for branch P&L, driving low operating expense ratios and return on assets ● Provide financial analysis reports of dealer customers ensuring individual portfolios are being handled efficiently and profitably ● Communicate effectively with internal departments to ensure broad based network of support for local branch

● Effectively coordinated collection efforts within the department to achieve expected corporate goals, while working within regulatory guidelines ● Introduced the concept of: educate, motivate and celebrate within the department, implementing new recognition processes ● Worked with various business partners within the organization to problem solve at the account level, as well as, to identify and improve efficiencies across functional responsibilities ● Improved work-flow processes to increase operational efficiency within the Regional Collection Center Incorporated new positions within the department career path structure, updated reporting flow chart and revamped department Job Success Profiles

● Managed the collection efforts of 15 to 45 both inward/outbound collectors through all stages of delinquency ● Developed and incorporated outward calling and queue management strategies ● Consistently demonstrated the ability to exceed monthly goals for multiple stages of delinquency ● Provided timely and accurate loan loss projections to senior management ● Effectively managed staff personnel issues, including corrective action and termination proceedings ● Researched targeted process improvement suggestions - implementing when approved ● Facilitated regulatory update education ● Utilized Avaya Call Management System software to manage call volume, call allocation and efficiencies ● Developed schedule optimization models to enhance service levels ● Analyzed call drivers to determine the effectiveness of letter and virtual message strategies

● Developed and implemented coffee house/café business plan, generating annual sales of 500K+ ● Managed all areas of restaurant business and development

● Responsible for all aspects of office management of insurance replacement rental car business ● Marketed services to insurance agencies and car dealerships, establishing and cultivating profitable relationships ● Elevated office to one of the top regionally