Michael "Sean" Greene

*** **** *******

Naples, FL. 34109

757-***-****

abj2st@r.postjobfree.com

www.linkedin.com/in/michaelsgreene

Known for being tenacious and decisive in a competitive indirect sub-prime

market, delivering exceptional customer service, solid knowledge of the

company lending program and skilled sales and negotiation tactics, in order

to resolve critical dealer issues. Oversees new team member development,

and maintains high quality standards by spearheading underwriting and

funding compliance policies.

Experience

Coastal Credit, L.L.C. Virginia Beach, VA

Auto Loan Underwriter / Auto Loan Processor

Sept 2003 to Sept 2014

Credit Analysis

. Analyze over 100 indirect loan applications on a daily basis via

Decision Lender, as part of a team of four underwriters

. Field applications from various sources, including: Dealer Track, Route

One, online and faxed

. Analyze bureaus from credit reporting agencies: Experian, TransUnion,

and Equifax

. Uphold strict compliance guidelines by comparing each applicant's

credit information against the company's lending program to determine if

an applicant qualifies for credit

. Analyze and document vital loan data such as the amount to finance,

collateral value, debt to income ratio, payment ratio, loan to value

ratio and repayment terms of the loan

. Verify value of collateral using appraisal guides and Manheim auto

auction reports

. Manage loan risk using Lexis Nexis, Megasys and Decision Lender

statistics to analyze trends, and compensate appropriately based on

dealer portfolio performance

Dealer Service

. Work in conjunction with the DRM to build, develop and grow

relationships with a base of 38 active dealerships in our market area, to

reach a goal of $40 million in outstanding indirect loans

. Use skilled sales negotiation tactics to structure indirect loans with

dealership finance staff in order to provide competitive collateral

advances, while also minimizing company risk

. Maintain a working knowledge of lending regulations across a spectrum

of more than 8 states including: CO, VA, DE, MD, NV, TX, NC, and SC

. Assisted the DRM in targeting new prospects and existing dealerships

with low volume, by creating custom marketing designs and flyers using

Photo Shop CS4

Management of Employees

. Directly oversee and coordinate the funding operations of 6 out of

state branches, including a total of 10+ employees, to ensure loans were

received, processed and purchased accurately and efficiently

. Successfully train all new employees in the Loan Processing

department to follow company compliance policy and adhere to established

Federal and State lending guidelines

Loan Processing

. Perform daily internal audits on as many as 10 indirect loan packages,

to check that contracts balance and are disclosed properly, all company

required documents are included and complete and vehicle service and

insurance products are filled out and meet State guidelines

. Responsible for conducting in depth interviews with applicants and

requesting any necessary

information vital for loan application decisions

. Verify and validate pertinent applicant information: proof of income

(pay stubs, tax returns, bank statements etc), insurance coverage on

collateral and verify employment and residence

. Follow up with applicants or dealership personnel to acquire any

missing documentation required to complete a loan

Education

. Green Run High School Virginia Beach, Virginia

1996 - Graduate

. Additional Areas of Study / Interest:

Advanced Placement Art

Foreign Language (Russian) *Awarded Foreign Language Student of the

Year 1996

Skills

. Working knowledge of Microsoft Word, Excel and Outlook

. Proficient knowledge of Windows Operating Systems

. Proficient knowledge of Megasys and Decision Lender by TCI

. Problem solving and adaptive decision making

. Excellent communication and strong written and verbal skills

. Ability to work independently or in a team structure

. Able to process multiple tasks and prioritize work load

. Can handle stressful situations and relationships tactfully and

professionally

. Detail oriented and highly organized

. Eager capacity to learn and retain new skills and knowledge

. Tenacious and driven

. Proficient at computer usage, building and repair

Contact this candidate