JAMES TUBERTY

**** ***** ****; Johns Island, SC *9455

330-***-****

abgv2s@r.postjobfree.com

. ..

.

OBJECTIVE: To pursue a position where I can utilize my prowess in

finance and underwriting to benefit a company; I would be an asset in

helping the company enhance its performance by pulling from previous

education and experiences to make difficult decisions that will

improve its standing in its industry

EMPLOYMENT

JD BYRIDER, CONSUMER CREDIT ANALYST Columbus, OH

October 2010-Present

* Underwrote

over 300 auto

finance

applications

by using a

combination of

interviewing

the applicant

and utilizing our customized risk evaluation tool to approve

or reject the applications

* Contributed to

the addition

of more than

$4 million

into the store

portfolio by

underwriting

or closing

over 500 new auto loans

* Pursued sales

opportunities

that turned

into financed

auto loans by

following up

with customers

who

originally did not meet financing requirements or did not

purchase when approved for financing

* Maintained a

portfolio that

had a 250

basis point

discount to

the rest of

the company in

premature

defaulted on loans

US BANK, IN-STORE BANKER Columbus, OH

August 2009-October 2010

* Opened more

than 200

deposit

accounts and

accountable

for sales,

service

activities,

and resolving

complex account issues at an in-store branch

* Took over 75

credit

applications

and

established

new lines of

credit, cross-

sold bank

products and

services, and complete teller transactions

* Performed as

the top banker

in the

district and

sustained a 25

percent

premium over

the next top

performer in 3Q 2010

* Proactively

sought after

new customers

through forms

such as in-

store

marketing and

prospecting

WELLS FARGO FINANCIAL, CREDIT MANAGER Westerville, OH

July 2008-February 2009

* Managed credit

of individuals

by

transcribing

more than 100

credit

applications

and using them

to

place subprime customers into installment loans, via real

estate and auto loans, from revolving credit

* Generated

plans to

optimize

reductions in

monthly

payments and

curtail the

duration of

existing

loans

* Instructed

newer team

members on how

to implement

financial

plans that

would maximize

benefits

for customers after taking the credit application

EDUCATION

OHIO UNIVERSITY, Athens, OH

September 2004-June 2008

* Bachelor

Degree in

Finance

3.5 GPA

* Dean's List;

March 2008,

June 2007,

June 2006,

March 2006,

November 2005

* Student Equity

Management

Group; Head

Analyst

o Utilized thorough research to present equities that were

purchased in the portfolio and approved by the University

Endowment Board

o Intense program giving advanced business students the

opportunity to invest more than $1 million of the Ohio

University Endowment Board's money into the equity markets

SYSTEMS/APPLICATIONS

* Microsoft

Office;

Proficient in

MS Excel, MS

PowerPoint,

and MS Word

* Developed

skills with

Bloomberg,

Reuters

Knowledge

* Proficient in

Adobe

Photoshop CS,

ImageReady,

and Visual Web

Studio

Contact this candidate