Sonja Dotson Email & Phone Number

Dallas/Fort Worth Area

Use analytical review processes to determine behaviors of dealers within the originations cycle.Provide insight and be able to clearly and concisely communicate Dealer trends, or actions, within the credit cycle process. Analyzes credit applications based on dealership's program and that puts the dealer in a profitable position. Work with credit risk to proactively identify and escalate emerging risks with recommendations. Provide feedback to the line of business and its risk controls ensuring consistency and compliance with risk management framework and policies

Dallas-Fort Worth Metroplex

Assessed the creditworthiness of applicants applying for auto loan financing. Evaluate the potential risks associated with extending credit and make informed recommendations. Ensure compliance with SC credit policies, underwriting guidelines, and regulatory requirements. Collaborating with Sales to gather necessary information about the dealership and the applicant.

Dallas, Texas, United States

Provide in depth analysis of credit applications based upon company programs and negotiate various financial structures with the dealer groups; extending/declining credit applications within the authority established by senior management and applicable state/federal laws.Assist the regional credit manager with training as needed to credit analysts.Capture automotive finance contracts meeting company profitability criteria for pricing and performance to exceed goals established by senior and executive management.

Addison, Tx

Originated commercial real estate loans totaling $25MM. Managed a wholesale portfolio of $135MM, a real estate portfolio of $75MM and a capital loan portfolio of $35MMAnalyzed financial statements of dealerships and affiliated companies. Reported financial trends to management. Prepare and presented wholesale, real estate, and capital loan acquisitions for underwriting. Coordinate and assisted in the month end closing process.Led a team of 10 auditors’ assigned territory to certify wholesale dealer compliance.

Westlake, Texas

Implemented, coached, and trained 10 maturity lease advisers and providing update to date feedback resulting in the achievement of call center goals.Reduced residual value losses through the extension and conversion of customer leases in the remarketing department