* * * * ********* DR I VE HOUSTON, TX . * * * * *

PHONE : 9 7 2 - 8 9 0 - ( -MAI L : EMMY_CHI CAS@HOTMAI L . COM EMMA L . C H I C A S

OBJECTIVE

Currently seeking a challenging position that offers full benefits, and opportunities for growth and advancement. In addition, sharpen my leadership skills while making a difference and helping others succeed.

EDUCATION

2005 - 2009 Texas Woman’s University Denton, TX.

Bachelors of Arts- Fashion Design

Bachelors of Science- Fashion Merchandising & Minor in Business Marketing

Summer Production Internship at Haggar Clothing Co. 2008

Fall Fashion Internship at Manuel Designs LLC. 2008

Summer Merchandising Internship at Macy’s Inc. 2009 SKILLS & QUALIFICATIONS

Proficient in Windows - Microsoft Office Applications -Adobe Applications:

-Photoshop, Illustrator, In Design, Lectra-U4ia. Blue Cherry and Web PDM.

-Clerical/Data Entry & QA: 55-60 wpm. -8000+ kph. on 10-key

Strong leadership skills with the ability to train, coach, develop and manage a team

Strong interpersonal and communication skills. (Bilingual- Fluent in Spanish)

Can delegate workforce, assist with special projects, and meet deadlines with minimal supervision WORK EXPERIENCE

Dec. 2014 – Present Tricolor California DBA Ganas Auto El Monte, CA. Underwriting Manager

Oversee the Loan Processing, Underwriting and Post Closing positions under one department.

Create training manuals and guidelines for all Loan Processors, Underwriters and Post Closer

Make underwriting exceptions after reviewing credit policies and mitigating risk

Assist the Compliance Manager in reviewing policies, departmental processes and procedures

Assist the DMV title’s clerk in training for all DMV documents for accuracy

Serve as Internal auditor while randomly reviewing deal jackets for all closing documents and videos

Liaison to the company’s insurance provider for collateral protection while creating payment ledgers

Review limited warranties for accuracy before passing them to the third party vendor for processing

Assist Sales Managers by extending coverage to a lot, by underwriting or closing a deal as a back up

Access the following applications: Autostar, Dealer Socket, DMV Desk, Insight, and all payment sites Nov. 2013 – Dec. 2014 Exeter Finance Corp. Irving, TX SSr. Credit Review Analyst

Review booked deals from nationwide branches for policy and procedure adherence

Analyze accounts for accuracy in documentation provided, credit and calculations used

Assist fraud department with investigations of customer documents and made verifications

Calculate LTV, PTI and DTI for consistency between submitted dealer contracts

Answer policy and procedure inquiries from branches, funding and loan processing depts.

Submitted 4506T forms to the IRS for tax transcripts

Assist with pulling Car Fax, and book out units through NADA and Blue Book

Assist with any special projects from the AVP or VP of Credit Review

Write branch reviews with all findings and provide summaries to VP’s for branch evaluation June 2011- Oct. 2013 Tricolor Auto Group LLC. Irving, TX. AAssistant Underwriting Manager

UUnderwriting Supervisor

Assistant to the Underwriting Director along with Vice President of Risk Management

Managed the performance of all Loan Processors, Underwriters and Verification Specialists located in DFW, Houston, Oklahoma City, Austin and San Antonio, as well as corporate office

Trained Loan Processors, Underwriters and Verification Specialists on company policies, and procedures as well as internal systems needed to perform their duties assigned

Managed timecards for payroll as well as tracked bonuses, time off, and process their evaluations

Mitigated risk, approved loans following protocol and dept. parameters, in addition to making exceptions

Reviewed extensive credit reports, background checks, and documents provided for exceptions

Maintained daily sales report in addition to creating needed training documents and manuals

Managed a departmental and travel expenses budget, as well forecast future expenditures Oct. 2010 – June 2011 Forex Capital Markets LLC. Plano, TX. Client Liaison/Operations Associate

Handled inbound calls worldwide, made outbound for international clients for account follow ups

Processed email correspondence, and replied to client’s inquiries

Streamed live conversations by Live Chat, handling multiple chats simultaneously

Became an IRA accounts specialist: by helping to process IRA applications

Translated documents as proof of residence, ID, and trust deeds, as well as corporate documents

Assisted clients with online forms, such as transfers requests, deposits and withdrawals

Created password resets to log in to online portal and multiple platforms for trading forex July 2005-June 2007 Capital One Auto Finance Plano, TX. Dealer Services Manager

Served as senior underwriter and funder and completed sale contracts

Assisted F&I Managers and General/Sales Managers in nationwide dealers for various branches

Booked out vehicles using NADA and KELLY BLUEBOOK as well as manufacturer’s invoices

Calculated several types of income, completed verifications and used tax forms and other Gov.docs.

Conducted fraud alert interviews for credit verification/analysis following policies and procedure

Performed employment and insurance verifications to make exceptions while mitigating risk

Assisted with new employee training for the Funding and Underwriting depts.

Assisted as a Manager on Duty for various shifts

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