Develop Indirect Lending’s luxury product programs (RV, Marine, and Motorcycle) in current and emerging markets Build and maintain relationships with existing and prospective luxury dealers Advise Indirect Lending Credit and Funding teams on luxury product underwriting and loan processing Conduct regular market analysis to ensure VyStar’s luxury programs remain competitive in both pricing and structure Attend training, workshops, and shows conducted by groups that promote luxury product sales and lending Research and analyze potential Indirect Lending product expansion Perform data analysis for various Indirect Lending business needs, such as program pricing and performance Promote, organize, and manage VyStar’s participation in outside selling and exhibition events related to Indirect Lending

Provide analytical guidance to Lending Services team membersDevelop and coach Lending Services employeesDeliver lending training to branch/call center employeesDecision all consumer loan requests up to Lending Services Management authority levelMake exceptions to loan policy when deemed appropriate and/or necessaryReach solutions with VyStar members who have submitted direct appeals to loan decisionsReceive and resolve lending inquiries from sister departments

Responsible for rendering sound decisions on consumer loan, credit card and real estate equity applicationsAnalyze and decision troubled debt requests from collections departmentDevelop and conduct loan training programs for Lending Services Department and branch/call center employeesActing Senior Underwriter July 2014 - October 2014

Counseled students and families on payment and finance options best suited to their individual needsWorked with admissions team to meet and exceed sales/enrollment goals while ensuring that students are financially planned in a responsible manner

Interviewed potential students, counseling them on different academic programsMet and exceeded sales/enrollment goals

Achieved consumer and real estate loan production goals set forth by the District ManagerMaintained branch delinquency below the company-wide standard Developed relationships with area businesses for retail financing as well as direct loan referralsMaximized net operating income by regulating loan yield, insurance sales, and expense controlUnderwrote consumer and real estate loans Promoted sales of both credit and non-credit insurance productsFostered branch development through employee goal-setting, recruiting, and training

Achieved individual loan production goals set forth by the Branch ManagerUnderwrote consumer and real estate loans Performed daily collection calls Sold customers credit and non-credit insurance productsMaintained cash drawer for customer payments

Regulated branch's real estate loan pipelineSold bank products by profiling customer needsOffered fixed annuities to qualified customersOversaw branch activities in Branch Manager's absence

Opened new member accounts, originated loans, and cross-sold credit union products