Management Customer
Resume:
DAVID ROGGO
Fort Worth, TX 76177
Phone: 972-***-****
E-mail: *****.*****@*****.***
Management-coaching
NATIONAL CREDIT COACH
Top-performing, results-focused leader with more than 15 years of proven accomplishments in portfolio management, relationship building and customer relationship management for one of the world’s largest captive finance divisions. Stellar record of improving performance and delivering significant cost-savings through expert strategic planning, skillful relationship management, and innovative process improvements. Adept at communicating with executive leadership, vendors, and internal departments to coordinate and achieve implementation.
Areas of expertise
Management · Partnering Strategic Planning & Implementation ·
Portfolio Management · Training & Development ·
Continuous Process Improvement · Credit & Collections
Business Development ·Customer Relationship Management ·
Coaching and Development · Retail Credit ·
Risk Management
Personal Accomplishments
Tasked with developing and creating complete training program for retail credit.
Streamlined company processes between corporate headquarters and the Dallas location.
Developed best practices that were adopted Company wide within the leadership team
Acted as the Fraud liaison between Corporate and the Dallas center.
Developed and was in charge of training program focused on helping new hires have more effective phone calls with the dealer body.
Member of TD leadership mentoring program.
Completed company program for leadership focused risk management program.
Completed six-month job shadowing program on operational risk management.
Professional Experience
Indirect Senior Credit Underwriter 2016- 2019 EECU, Fort Worth, TX
Underwrite all auto loans originated at participating indirect dealers.
Foster a strong dealer/credit union relationship by consistent underwriting decisions, approachability, sensitivity and a sales aptitude.
Review auto finance loan applications and render appropriate credit decision within credit policy and in compliance with all regulations. Structure approvals to maximize profit and enhance dealer relationships.
Ensure contracts received from dealership fall within stated approved criteria; work directly with dealer if loan is considered an exception.
Responsible for compliance of all Federal and State rules and regulations.
National Credit Coach 2013- April 2016 TD Auto Finance -Roanoke, TX
Provided employee recognition to reinforce positive results and coaching atmosphere
Provided daily and weekly goal standards
Provided group and individual coaching and development sessions
Provided one on one call monitoring and development.
Handled personnel and discipline issues.
Provided superior customer experiences by building professional rapport with dealer partners
Delivered smart cashing ratios and a balanced portfolio mix.
Ensured compliance to all corporate standards, processes and procedures.
Senior Retail Credit Analyst: 2011– 2013 TD Auto Finance -Roanoke, TX
Performed in-depth analysis, investigation and decisions on retail credit applications based on the company's risk tolerance. Maintained sound knowledge of market activity, and business and industry practices as they impacted underwriting quality and origination activity. Provided superior customer experiences by building professional rapport with dealer partners. Delivered smart cashing ratios and a balanced portfolio mix. Performed detailed verification and documentation for all applications that meet the approval criteria. Ensured compliance to all corporate standards, processes and procedures.
Loss Prevention Supervisor: 2008 – 2011 TD Auto Finance -Roanoke, TX
Tracked agents’ performance/KPIs through various reporting tools and matrix.
Conducted department huddles and various communication including town halls, mini coaching sessions, as well as team building events and activities.
Responsible for the liquidation and portfolio for over 260K retail and lease customer accounts.
Reviewed daily risk reports to determine areas of opportunity.
Directed strategies to obtain delinquency goals and gross loss targets.
Directed the continuous improvement of reporting measures.
Coached and mentored employees at all levels and represented company at various diversity and recruiting events.
Developed and spearheaded highly effective collection and dialer strategies to reduce delinquency and losses.
Worked directly with the Group Leaders and Business Collection Leaders to generate cost savings by removing redundancies and reducing attrition.
Education
Bachelor of Business Administration & Finance
Pittsburg State University, Pittsburg Kansas 2003
Proficiency
2010 MS Office, Excel, PowerPoint, Word, Access
Outlook, Canvas, Aspect, Avaya, Fast Data, Credit Commander
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