Managing Multiple assigned territories while also assisting in a speciality fraud clearence team across the nation as well as assisting business lending team for the PPP program. At wells Fargo we have the ability to manually underwrite and use judgemental lending in making decisions while mitigating risk for potential fraud.while building strong relationships with the dealership personnel across the nation. I have built a brand in this industry by providing excellence to my clients while driving monetary results. #1 Credit Analyst in the So Cal region consecutively In February/April/May/June 2018. Top 5 consecutively for the last 6 months.Into 2019.Among the lowest losses and negativer returns in the So-Cal Market. Passed multiple extensive internal Audit 9/2019 regarding my credit decision- making and credit quality.

Performed Credit Analysis for consumer's looking to refinance their automobiles.

• Managed 5 territories in Seattle, Oregon & Utah up to 300+ franchised dealerships communicating with dealership personnel, Finance Managers, General Managers, and Owners regarding status of loans, building relationships, and increasing performance potential by educating dealers on program guidelines and leveraging exceptions.• Financed between $5k - $60k per unit. Lending to Sub-prime and Prime customers. Was responsible for an average monthly revenue of 2-3 million dollars in my territory. Expert at structuring deals.• Supported 1-4 outside sales managers in the field, and the first line of contact for issues in underwriting and funding. Conducted field visits once per quarter in my territories.• Monitored on-going credit worthiness of established credit limits and advise actions to reduce risk for marginal accounts.• With a team of 5, achieved in December 2011 a profit of $750k and January 2012 a profit of $1 million out of 140 dealerships. December 2011 achieved the #1 ranking of non-captive lenders in Seattle.• January 2012 assisted my team in ranking in the top 10 of 50 teams of territories in Capital One Auto Finance. July through October 2011 ranked #1 on my team in profit.• Consistently overachieved a profit goal of approximately $220k-$300k each month processing over 250 contracts per month.• The main contact for top volume dealers including the Ford of Kirkland & Mazda Of Everett.• Assigned to non performing accounts in Seattle to rebuild relationships, in which, increased departments overall performance.• Reviewed and analyzed income, assets, credit history and collateral to meet policy parameters, while balancing customer focus and potential risk. Looks beyond normal credit policy.• Maximized revenue by balancing market penetration with sound risk management principles, and staying abreast of constant changes in policy and procedures. Assessed current trends in market, and giving suggestions for product improvement.

Responsible for analyzing extremely high risk delinquent accounts, determining strategies to decrease delinquency by using skip searching tools to locate customers to prevent charge off or repossession ramifications.• Exceeded company monthly goals by effectively managing tasks and skills.• Interacted with dealerships to obtain information on pending transactions such as payoffs.• Designed and developed new strategies as a means to decrease overall delinquency by 50%.• Skip traced on high risk accounts by reviewing customer contracts and other customer

Maintained a full workload while learning how to become an effective manager and effectively run a team. Helped train new employees by listening in on their phone calls and then conducting what is called a 10/10 which is a meeting to advise new trainee on their strengths and weakness to help them assimilate into the new environment.• Established a reputation for being flexible while learning and maintaining a workload• Chosen to do quality scores based on listening to collection calls and determining if all policies and procedures were followed.• Conducted several meetings with team on effective strategies, policies and procedures, morale of team and overall motivating associates to strive for excellence.• Maintained a full work load in collections by calling on delinquent Accounts. I helped customers resolve there delinquent Accounts by coming up with payment plans, deferments and overall strategies to help customers resolve there delinquent account status.

Contacted and advised customers of past due payments while trying to find solutions to help the customer by giving financial advice. Worked with high delinquency charge-off accounts.• Maintained and placed high volume inbound/outbound calls while achieving company implemented goals.• Ranked top performer throughout the entire department for consecutive months throughout the year.• Helped decrease delinquency 35% overall for the entire company.• Achieved company goals by demonstrating high quality and customer service to early-stage collection accounts.

Controlled all accounts payable/receivable. Hired and interviewed new vendors typed all sales quotes, orders, labels for all products needing to be shipped. Responsible for all office administrative and Human Resources work.• Reputation for being outgoing, friendly to all outside vendors and customers.• Led quality improvement team to market new products and ideas• Commended for customer service while helping develop new employees as well as outside vendors on policies and procedures. Prepared sales orders and proposals to increase company revenue.