Quality Assurance Customer Service

Asia D. Fourte'

***** ************ ******* #**** ( Plano, TX 75025 ( Cell: 972-***-**** (

**********@*****.***

Financial Services

Comprehensive experience leading organizations and operations, including

knowledge of policies in all 50 states, customer service, loan origination,

and maintenance.

o Skilled in strategic planning, reviewing credit reports, assessing

business financial statements, business and personal tax returns,

financial planning, potential budget forecasting, preparation and

management, loan processing, funding, as well as interacting with

financial organizations.

o Proficient in making tough decisions in initiating and directing work,

assessing progress, credit analyzing and resolving problems.

o Determine government financial policies, plan long term finance programs,

and make professional credit decisions.

o Review departmental organizations, personnel distribution, and project

requirements to ensure most efficient and economical utilization of

business ethic underwriting.

o Analyze financial contract conditions, maximize participation, and make

recommendations regarding charges for services or optional financial

programs.

o Adept in project management, understanding project costs and delivering

on time and under budget.

o Demonstrated track record in staff management and high achiever;

integrate high-performance teams; establish performance goals and

controls, while monitoring results to meet strategic objectives.

EXPERIENCE

State of Texas - Health and Human Services Commission, Mckinney, TX ( 11/09

- 07/10

Advisor II Case Processor and Underwriter, -Salary $2300 monthly

In charge of all aspects in determining eligibility of benefits, manual

underwriting, and assessing case dispositions. Review and handle case

appeals. Process cases, and assure requested documents are up to government

standards to approve benefit eligibility for food stamps, adult and

children Medicaid, pregnancy Medicaid, emergency Medicaid, and TANF.

Provide assistance in developing and executing regional improvement

projects. Administer effort plan for rushing benefits and creating quick

turn around times to clear back log. High literacy and understanding of

government policies and procedures. Prepare and provide status reports of

quality assurance updates, and department rankings. Conduct internal

reviews of operating procedures to improve customer response times. Ensure

productivity and quality standards are met and maintained. Serve as the

department's Lead Coordinator and Lead Complaints, Resolutions, and

Response Advisor II.

o Process and review applications for Children's Medicaid, Adult

Medicaid, Pregnancy Medicaid, and food stamp eligibility.

o Discuss related options of benefits, and provide outreach resource

information to applicants in need of public assistance.

o Build, establish, and develop a rapport with applicants while

maintaining confidentiality.

o Document client files, and investigate questionable documents and

applicant replies upon determining or decisioning eligible benefits

for applicants.

o Research updated policy information while concurring with government

regulations to assure quality assurance is obtained.

Santander Consumer USA, Inc., Dallas, TX (11/07- 10/09

Sr. Credit Analyst/Underwriter/ Funder, Salary: $ 44k

Successfully promoted to positions of increased responsibility based on

consistently exceeding goals and expectations.

Worked with limited direction and afforded extensive latitude for the

operational decisions. Processed auto loans while assuring accuracy and

continuously exceeding department expectations and goals. Review all

contract data is correct by government regulations, and complied with

company directives of funding. Consistently explored different avenues to

fund quickly, and proactively. Held, and conducted short and long-range

planning for other projects to meet future demands and regulatory mandates,

including evaluating repair and replacement of faulted loans or contracts.

A highly successful, analytical and hands on team leader with proven

ability to build long-term relationships with internal/external business

partnerships, employees and clients by establishing a high level of

confidence and trust.

Asia D. Fourte' Page Two

o Independently conducted, and exceed monthly department goals by

reviewing, purchasing, examine and underwrite loans to ensure

soundness, business value and compliance with company and investor

standards.

o Exceeded company standards by being a proven top performer, and

mentored new or returning dealerships while upholding company

regulations and integrity.

o Volunteered work leader for the department to assist new employees

evaluate auto loan files to assure accuracy while working hand in hand

in high quality sub-prime business policy.

o Reviewed and analyzed business statements, personal credit reports,

credit history, tax returns; both business and personal, as well as

business and personal bank statements.

Americredit Financial Services, Arlington, TX ( 07/06 - 11/07

Credit Analyst, Funder II Specialist, Salary 32k

Worked with minimum supervision. I was individually chosen to be a

department leader, and assist with all loan origination areas of auto

financing. Those areas included providing ideas in the financial spectrum

of the business, and provide feedback of company regulated policies. In

addition, providing government directives, and maintaining a high level

goal perception every month was a daily procedure.

o Reviewed and analyzed business statements, personal credit reports,

credit history, tax returns; both business and personal, as well as

business and personal bank statements.

o Complied with company and government policy when assessing loan

attributes and documentation for soundness and accuracy.

o Attended large company business meetings to stay current on up and

coming policy changes, and prepare expectation presentations for new

underwriting and funding policies.

o Reviewed, evaluated and synthesized data to ascertain loan viability

and identify risk issues and potential fraud.

o Assisted in identifying, recommending and/or negotiating alternative

loan requirements, funding and/or loan-structuring solutions.

Capital One Auto Finance, Plano, TX ( 06/05 - 07/06

Underwriter II/ Loan Processor, Salary 28K

This is where I began my expertise in financing. After obtaining secure

knowledge of funding, I was quickly introduced to underwriting after just 1

months of being with the company. Thereafter, I was then appointed lead

person, and go to person for problem deals, complicated interpretation of

credit statements, financial statements, and reading credit reports. I was

in charge of implementing new department goals, listening to ideas, and

assist in conducting large meetings to identify areas of improvement.

o Underwrite auto loans following company, investor, and government

standards.

o Evaluate the credit history, employment history and financial status

of auto loan files to determine credit worthiness in compliance with

the guideline requirements.

o Analyze and recommend best partnership for both parties to effectively

maximize participation in accordance with applicable laws and

regulations.

Career Note: Details of prior positions on request.

SKILLS

65 WPM, Word, Excel, Access, Outlook, AS400, Saverr, CARS, SAP. 11,500 KSPH, Effective communication, organization skills, Career Focused.

EDUCATION

Pursuing Bachelors in Accounting, Strayer University, Dallas, TX ( expected

08/11

Associates Degree - Business Administration, University of Phoenix, Dallas,

TX ( 3/09

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