As an Indirect Loan Analyst, I perform a variety of loan decisions and funding duties within a fast paced corporate office. Moreover, interface with automobile dealerships and verify the accuracy of loan documents within the Indirect Lending Department. In addition, identify contract package irregularities, assess the credit worthiness to determine lending limits including structure, LTV’S, DTI’S PTI’S according to company’s guidelines utilize available resources for resolution; prepare packages for return to dealer for corrections; communicate relevant issues to Loan Officer and escalate appropriate issues to supervisor; and adverse action notice letters/loan forms, Operate CUDL3 (Credit Union Direct Lending) and decision loan applications that are pending in daily work queue, review budget sheets and determined if monthly deficit is in line or not, Run Kelly Blue Book/Manheim to determine if there's any equity in used asset (AUTO) and see where vehicle auction pricing stands., Disburse approved loans and review all documentation for accuracy and completeness.Highlights:• In March of 2012, Indirect Lending Mgr awarded me a Certificate of Appreciation for achieving outstanding results against diversity.• In Nov of 2012, Indirect Lending Mgr and myself structured GPS Installation Program for the "First Time Buyer Program". The GPS program consisted of the following activities:• Ensure GPS program is set up and administered according to process and procedure guidelines. • Provide client management support on a daily basis for GPS Program • Ensure complete enrollment/data entry for all clients in Cal Amp/Sky Alert.• Assist to review and resolve all scheduled maintenance alerts.• Assist to review and resolve all communication alerts. • Report all alerts and violations in a timely manner according to program protocols. • Ensure clients of GPS monitoring are following credit union procedures for payment guidelines, and collaborate with Collection Dept.

As a Collector, my responsibility was to handled all excessively past due accounts by bringing accounts out of delinquency or recovering asset, in order to minimize the company's charge-offs. Specifically, daily skip tracing on accounts while utilizing all resources available in an effort to locate consumers and negotiate payment arrangements. The negotiation process often required reviewing the account information in the database, and asking questions to the consumer in order to better understand potential objections to payment. Minimized repossessions and was able to maintain proper cash flow, avoiding unnecessary losses. Run Kelly Blue Book/Manheim to determine if there's any equity in used asset (AUTO) and see where vehicle auction pricing stands. Lastly, comply with, all Federal and State rules and regulations governing the collection of past due accounts including, but not limited to, the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).Highlights:• I was awarded by Chief Financial Manager the employee of the month award for collecting a sum of $200k for the company.

As the Loan Processor, I was responsible for performing a variety of loan documentation processing and funding duties within the fast paced corporate office. In addition, all documentation provided had to be accurate and completed prior to inputting new loan information into data base (XP System). Most of the functions I performed were: verifying insurance coverage, translate Spanish hardship letters, analyze all stipulations and fraudulent activity, employment verifications, reviewed budget sheets and determined if there was a monthly deficit or not, run Kelly Blue Book to determine if there was any equity in used asset (AUTO), check cutter or ACH funds and conducting member interviews; corrected errors from loan packages and/or system data; obtaining missing information and ultimately the funding of the loan.Highlights:I was awarded by the CEO of the company the "Fraud Buster" award for my diligence and acknowledgement of fraudulent activity. Specifically, I identified a falsified paystub a non-member submitted for credit approval stipulations.AVP of Lending Dept. assigned me to the Loss Mitigation Dept. for my expertise in skip tracing and going above recognition. I was the main Spanish translator for the Loss Mitigation/Consumer Lending Dept. I would assist with interpreting with Spanish speaking members in reference to their concerns and interest about the company.I was transferred to 3 different departments in the Lending Dept., do to my fast learning. Management would utilize me if for some reason a short staff was at hand, and I would fill in as an assistant backup for that department.

To ensure all future Credit One loans complied with policies and procedures. Assisted manager and owner of the company with funding/booking loans in system program (Megasis). Once loan was booked in system, I issued payment via check or automatic funds transfer to dealer. Meeting monthly quota and kept a pipeline in track on how many loans were funded and declined. Sent payment disclosures to customers as needed, contacted customers for missing stipulations in reference to auto loan approvals. Collaborated with the Collections department in order to skip trace and find lost asset. In addition, I assisted in "Field-chasing" with manager of the Collections Dept. Visited customers' home(s) to give word of FINAL payment notice. This was done in order to put some pressure that payment was needed, or asset had to be REPO.Highlights:• I was promoted within a 6 month period of joining the company, to a Collections Rep, by CEO of the company. • I was working more of a higher volume of deals/funding loans than the other two processors.

As the Loan Processor, I reviewed auto loan contract packages against a checklist in applicable on-line booking system; moreover, independent analysis and exercise judgment to determine if applicable standards were met; identified contract package irregularities, utilized available resources for resolution; prepared packages for return to dealer for corrections; communicate relevant issues to Loan Officer and escalate appropriate issues to supervisor. Moreover, clerical processing and loan tracking support to Dealer Center Lending Dept., set-up member accounts, contacting members upon loan origination confirming loan terms and conditions, and mailed form letters and loan forms, corresponding and communicating with dealerships to obtain all documents necessary for pending loans.Highlights:• Dealer Center Manager, promoted me to Sr. Loan Processor within a year period of joining the company. • Earned excellent marks on performance reviews, with citations for excellence in areas including work volume, accuracy and quality; ability to learn and master new concepts; positive work ethic; and commitment to providing unsurpassed service.