Cheria Casas

619-***-****

A highly motivated Sales, Underwriting and Business Development Professional, offering a strong background in Regional Account Management and Collections. Excellent interpersonal skills, and ability to work well with others in both supervisory and support staff roles.

Skills

16+ years inbound/outbound call center customer service experience, account management, along with negotiating rates, fees, terms and conditions for Indirect Loans.

16 years funding and underwriting experience in compliance with HSBC and auto finance industry standards

Detail oriented and organizational proficiency; adept at working independently with minimal supervision

Trained and coached newly hired/transferred credit officers and funders

Proven sales performer and Excellent interpersonal skills

Customer-focused communicator with a proven ability to build strong relationships with customers

Enthusiastic team player

Proficient in Microsoft Office specifically Word, Excel PowerPoint; AS400; PeopleSoft; ERP systems; CRM programs

Conversant in ECOA, AML/BSA, TILA, Fair Labor Standards Act; Fraud Awareness rules and standards Demonstrated ability to handle customer questions and objections satisfactorily

Experience

El Cajon Ford 12/12 to 12/13

Finance Assistant/Loan Processor

Answered all incoming calls on a 4-line phone system for the finance department.

Acted as a customer service liaison for the department with any questions Customers or Vendors might have.

Set up customer files, and request necessary documents to complete loan package.

Communicated between the Customer, Vendors, and the Underwriters, maintaining a positive working relationship

Processed documents received for each loan file verifying the accuracy and completeness of each document. As applicable, update the data in the computer system as soon as the documents are received.

Verified employment and current auto insurance on each customer

Performed verification of income

Verified paperwork for accuracy for DMV submission

Submit and follow-up with completed packages sent to underwriting

Notify customer of loan decision. Prepare the necessary documents to be sent to the bank (i.e., adverse action letter, pre-approval notice, etc.).

Prepare each file for booking ensuring all loan conditions are met for business office.

Leap Auto Loans 9/11 to 6/12

Credit Analyst

Performed audits, and verifications of employment, income, and insurance. Fulfilling funding delays, new account creation, new loan creation, submission of funds to dealers, and prepared packages for imaging. Provided excellent quality service to meet dealer expectations and established service levels.

Received funding packages from dealers through courier service, overnight delivery or fax.

Audited packages to ensure all documentation was present and information was consistent first submission

Performed VOE (Verification of Employment)

Performed verification of income

Opened new accounts and funded loans for submitted packages

Prepared and balanced daily checks or ACH transmittal for dealers

HSBC Auto Finance 07/96 - 10/08

Operations Manager in Credit & Funding

Managed current client portfolios, as well as prospected new accounts; educated dealership employees on a daily basis of program guidelines and changes to build profitable business relationships. Prepared and conducted sales presentations to all levels of management staff within dealerships. Cordinated and hosted special events and promotions to effectively represent company. Consistent assisting in training and educating new hires with HSBC guidelines.

Other daily functions included:

Supervised daily operation functions of credit buyers and funders in the absence of the OM.

Trained and coached newly hired/transferred credit officers and funders.

Partnered with Sales team to implement cross-functional strategies to fulfill business requirements and sales goals.

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