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Latrell Kaufman

***** **** ***** *. ******* Branch, TX 75234

T: 225-***-**** E: ac1zou@r.postjobfree.com

Retail Credit Operation

Senior Risk Analyst and Processor with eight years of experience in the financial services industry. Excellent verbal and written communicator who negotiated and managed business-to-business relationships. Extremely adept in analytical research, analysis, and project support. Known for supervising simultaneous projects in high-pressure environments with professionalism and poise.

Core Competencies

Professional Synopsis

Sales, Risk Analysis, Credit Evaluation, Underwriting, Commercial Vehicle Financing, Customer Service, Banking, Reasoning, Researching, Client Relations, Training, Billing and Collections, and Loan Servicing.

Business Consultant/Sales – CSOKI (Current)

Attracted new clients and establish rapport to up-sell and build customer loyalty.

Planned, implemented, and oversaw effective sales, marketing and business program

Worked across multiple departments to handle escalated situations

Managed my territory to gain market share and provide consistent sales growth.

Provided Upper Management with recommendations and solutions for business needs

Build relationships and managed relationships internally and externally to ensure success

Assisted clients in difficult and complex situations to resolve their problems.

Constantly achieved sales quotas which increased the company’s profitability.

Conducted Analysis on client accounts to increase sales opportunities

Senior Account Manager/Processor – LoanDepot.com, LLC

Served as subject matter expert regarding policies, procedures, products, and promotions.

Conducts daily review and follow-up with customers and vendors regarding outstanding items; gather necessary documentation as needed.

Communicates to Processing Supervisor if unable to achieve a timeline or to resolve an error.

Escalated any fraud files to the Risk Management Leadership Team for review.

Manages key dates, for example, lock expiration, contingency date, contract date, credit doc expiration, and other compliance related dates.

Performs data entry to update all internal computer systems and loan files with notes regarding all actions that affect the loan in accordance with company requirements.

Reviewed HUD 1 Settlement statements for accuracy and provided for closing.

Reviewed title reports, payoffs, appraisals, income documents, hazard insurance, and all supporting documents for compliance.

Provided customers and closing agent with the necessary required documents for loan closing.

Communicated directly with Loan Officers about credit, loan terms, pricing, income, and DTI and PTI issues that have occurred.

Processed Loans using FNMA, FHLMC, GSE, and FHA policies and guidelines.

Senior Credit Analyst, TD Bank Dallas/ Ft. Worth Area Oct 2012-April 2016

Accurately and efficiently evaluated credit applications for lending in the financial services division. Made recommendations for approval of Senior Management with auto exposure up to $200,000 on Luxury and High End Autos. Increased revenue to reflect profitability.

Identified risk issues and determined root causes of issues to mitigate risk while maintain the use of the credit policy and underwriting guidelines.

Managed and approved over $30-40 million dollars in credit a month.

Used the proper analytical skills to determine the risk of a customer using the customer’s credit, collateral, capacity, and stability.

Analyzed Bank Statements, Check Stubs, W2 returns and other financial documents to determine Debt-to-income, payment to income, and creditworthiness.

Exceeded sales goals by using competitive advantages to provide betters interest rates.

Sustained low credit application processing time while protecting the company’s risk and averaging a compliance level of 90% or better.

Decreased company’s risk exposure by accurately acknowledging red flags to stay within line with the regulatory system.

Verified Quality Assurance on calls, documents and processes.

Followed Compliance Guidelines and implement improvements where needed.

Credit Investigations Analyst – Retail Credit Operations –Continued

Reviewed retail installment contracts and financial documents to expedite the funding process.

Resolved held contracts for financial and non-financial related issues.

Processed flat cancels for dealerships and reverse transactions on auto loans.

Processed credit exceptions with approval of upper management that was outside of the company’s guidelines.

Worked closely with the Funding Department to increase efficiencies in the funding process.

Funding – Contract Resolution Specialist Oct 2008 – Dec 2011

Reviewed retail contracts for documentation, completeness, and compliance with state and federal laws as well as adherence to corporate policies, procedures, and credit stipulations.

Ensured approved financing amount, APR, terms, and payments conditions are met.

Handled inbound calls from internal and external customers.

Confirmed all titles/title applications met the state qualifications.

Reviewed contract package for compliance and state, federal and company guidelines.

Second level reviewer for contract rejection process.

Assist in the prevention of fraudulent activities.

Educate customers on lease end obligations such as inspection requirements, vehicle return expectation and end of term fees.

Manage customer buyouts and extension requests accurately and timely to achieve account closure on or before the lease end date.

Education

Bachelor of Arts, Business Marketing: Southern University 2001-2006 – Baton Rouge, La

Licensure and Professional Training

Technical Skills

Mortgage Processor, Underwriting, Credit Analysis, and Funding

Mortgage and Loan Origination Training

Word, Excel, PowerPoint, Experian, Transunion, Equifax, Lexis Nexis, Innovis, and Fastdata, Fannie Mae and Freddie Mac, Doc Magic, Creditco, and Worknumber

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