Management Years Experience
Resume:
Christa Martin
GREENVILLE, SC 29607
HOME: 864-***-**** abmtb5@r.postjobfree.com
EDUCATION
BS, FINANCIAL MANAGEMENT, CLEMSON UNIVERSITY, CLEMSON, SC
COCA-COLA SCHOLAR
QUALIFICATIONS SUMMARY
Financial management professional with nine years experience, broad
analytical skills, and solid background in financial, credit analysis,
accounting, consumer, and commercial lending. Performed loan originations
and loan servicing responsibilities for one of the world's largest
automotive financing companies. Staff accounting experience with two
corporate home offices including month-end and year-end closing.
Successful in developing new processes and procedural changes throughout
organization, which lead to operational cost reductions and reduced credit
losses. Demonstrated leadership in motivating colleagues to work
collaboratively to achieve increased productivity, which resulted in
increased revenue.
PROFESSIONAL EXPERIENCE
FORD MOTOR CREDIT COMPANY, GREENVILLE, SC 2003 - 2010
Credit Investigator 2004 - 2010
Responsibilities in both loan originations and loan servicing departments
most recently as credit investigator.
. Responsible for risk management reduced exposure to fraud by obtaining
verification documents and examined creditworthiness, stability and
capacity to pay. Researched status of tax liens, repossessions, charge
offs, judgments and bankruptcy including Chapter 7, Chapter 11 and
Chapter 13 which resulted in reduced gross credit losses of $93.0M which
exceeded objective by $.4M.
. MADE SUGGESTIONS ON METHODS FOR IMPROVING CREDIT INVESTIGATION PROCESS
AND WHEN IMPLEMENTED, RESULTED IN REDUCED PROCESS TIME AND INCREASED
AVERAGE NUMBER OF INVESTIGATIONS PER HOUR WHICH INCREASED PURCHASE TO
APPROVAL RATIO TO 76.6%.
. ASSISTED IN SALES BRANCH INTEGRATION INTO 6 BUSINESS CENTERS, WHICH
RESULTED IN INCREASED QUARTERLY CONTRACT VOLUME OF 194,000, ROE (RETURN
ON EQUITY) OF 4.40%, EOP OF $87.5B AND REDUCED OPERATING EXPENSES OF
1.08%.
. SERVED AS PRIMARY CONTACT TO PERFORM PAYMENT CORRECTIONS FOR ACH, WIRE,
INTERNET, TELEPHONE AND MAIL PAYMENTS AND RESOLVED ROUTINE TO COMPLEX
LOAN ISSUES FOR MULTIPLE ACCOUNT CUSTOMERS THAT HAVE >3 TO 100 EXISTING
ACCOUNTS WITH HIGH CREDIT UP TO $2M.
. VERIFIED EMPLOYMENT, RESIDENCY, MORTGAGES AND CREDIT HISTORY USING CREDIT
BUREAUS EQUIFAX, TRANSUNION, EXPERIAN AND DUNN AND BRADSTREET INCLUDING
DATE AND AMOUNT OF LOAN, HIGH CREDIT EXTENDED, NUMBER AND AMOUNT OF
INSTALLMENTS, BALANCE DUE, COLLATERAL, DATE LAST PAID, NEXT DUE DATE AND
BASED ON FINDINGS RESULTED IN LOANS BEING APPROVED, DENIED OR CONDITIONED
FOR MORE INFORMATION.
. TRACKED AND MONITORED LINE OF CREDITS AND CREDIT PACKAGES INCLUDING
AUDITING OF FINANCIAL STATEMENTS TO ENSURE THAT LINE OF CREDIT BALANCES
DID NOT EXCEED APPROVED AMOUNTS, CREDIT TIERS AND MAXIMUM LOAN TERMS WERE
WITHIN GUIDELINES AND THAT EXISTING LOAN ACCOUNTS WERE NOT DELINQUENT.
. MAINTAINED POSITIVE WORKING RELATIONSHIP WITH PEERS AND MANAGEMENT AND
ACTIVELY PARTICIPATED IN DEVELOPING AND SHARING OF BEST PRACTICES AND
PROBLEM RESOLUTION. CHAIRPERSON FOR DEPARTMENT SATISFACTION COMMITTEE
RESPONSIBLE FOR INCREASING MORALE AND IMPLEMENTING REWARD AND RECOGNITION
PROGRAMS DURING WHICH EMPLOYEE SATISFACTION SCORES INCREASED TO 85%.
CHRISTA MARTIN PAGE TWO
FORD MOTOR CREDIT COMPANY (CONTINUED)
LOAN DISCOUNTING 2003 - 2004
RESPONSIBILITIES IN LOAN ORIGINATIONS DEPARTMENT DURING HIGH VOLUME
HANDLING CONTRACT PURCHASING AND RELEASING EFT RESERVE PAYMENTS.
. AUDITED AND DISCOUNTED LOAN PACKAGES FOR LOAN ORIGINATIONS AND REVIEWED
ALL DOCUMENTS FOR ACCURACY, MISSING / INCORRECT SIGNATURES OR MISSING
FORMS. PERFORMED RECONCILIATION TO ENSURE ALL FINANCIAL AND NON
FINANCIAL REQUIREMENTS AND ENSURE ALL BUYABLE CONTRACTS WERE RELEASED THE
SAME DAY FOR RESERVE PAYMENT THRU ELECTRONIC FUNDS TRANSFER, WHICH
RESULTED IN INCREASED PURCHASE VOLUME AND 0% CARRYOVER.
. RESOLVED STANDARD AND SUBVENED RATE DISCREPANCIES, VERIFIED CONTRACT DID
NOT EXCEED MAXIMUM MARK UP, REVIEWED TIER CHANGES, AND ENSURED CORRECT
RATE USED FOR COLLATERAL TYPE AND CONTRACT TERM AND WHEN WARRANTED
PERFORMED RATE CONCESSIONS, SPLITS AND BUYDOWNS AND INFORMED DEALER OF
ANY CHANGES TO RESERVE PAYMENT.
. REQUESTED FEDERAL TRUTH IN LENDING LETTERS AND CORRECTION NOTICES TO BE
SENT WHEN NEEDED FROM ANY CONTRACT ERRORS OR CHANGES.
. REVIEWED EXISTING LOAN ACCOUNTS FOR REFINANCING ELIGIBILITY AND ESTIMATED
NEW APR, TERM, REPAYMENT AMOUNT AND NEW MONTHLY PAYMENT, WHICH ALLOWED
FOR REDUCTION OF REPOSSESSIONS AND GROSS CREDIT LOSSES.
RECOGNITION AND SERVICE
RECEIVED MULTIPLE RECOGNITION AWARDS FOR JOB PERFORMANCE MOST RECENTLY
NOMINATED FOR SCORE AWARD, FORD MOTOR CREDIT'S HIGHEST AWARD FOR CUSTOMER
SATISFACTION.
SELECTED AS AMBASSADOR, RESPONSIBLE FOR SETTING HIGH EXEMPLARY JOB
PERFORMANCE STANDARDS FOR WORK TEAMS AND REPORTING TO MANAGEMENT FEEDBACK
THAT WAS USED TO IMPLEMENT NEW POLICIES AND PROCEDURAL CHANGES.
VOLUNTARILY SERVED AS NEW HIRE EMPLOYEE MENTOR TO ENSURE NEW EMPLOYEES
RECEIVED ADDITIONAL SUPPORT.
SERVED AS CHAIRPERSON OF LOAN SERVICING DEPARTMENT'S SATISFACTION
COMMITTEE FOCUSED ON RAISING EMPLOYEE MORALE AND IMPLEMENTING REWARD AND
RECOGNITION PROGRAMS.
MEMBER OF CUSTOMER SATISFACTION COMMITTEE, WHICH REVIEWED CUSTOMER
SATISFACTION SURVEYS AND ENSURED CUSTOMER ISSUES WERE PROMPTLY RESOLVED
DURING WHICH TIME SERVED SATISFACTION REACHED UNPRECEDENTED SCORE OF
100%.
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