Credit Underwriting, Banking, Management

ANgela Nowling

***** ****** ** **********, ** *8033 Phone: 248-***-**** accqjv@r.postjobfree.com

Objective

To obtain a position where I can utilize my management and analytical skills that can contribute to the

growth and success of the company.

Professional Experience

TD AUTO FINANCE-FARMINGTON HILLS, MI

Credit Underwriter Oct 2012 to Feb 2014

Job Details:

Review buyer information to make analytical decisions when reviewing applications

Review credit bureaus to identify trends in payment history to create a story to determine

creditworthiness.

Calculate various ratios- payment to income, debt to income, loan to value etc.

Restructure deals and give multiple credit options

Perform in depth analysis, investigation, and decision making on retail credit applications.

CREDIT ACCEPTANCE- SOUTHFIELD, MI Dec 2010 to July 2012

Credit Analyst

Job Details:

Analyzed documents to determine their validity/determine if fraudulent foul play is present.

Reviewed legal documents to determine if they are in line with the company and the State of

Michigan policies.

Serviced dealerships on how to formulate loan packages in regards to required documents in order to

get funded.

Preformed verification calls to both employers and customers to verify we have correct and accurate

information.

Maintained compliance while processing loan packages efficiently and accurately by getting the

dealer funded as quick as possible.

Created new dealer partner relationships

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PNC Bank- Hazel Park, mI Jan 2009- Dec 2010

Manager Trainee Graduate/Teller Supervisor/ Assistant Branch Manager

Job Details:

Business to Business Sales-offered various products and services to companies and their employees’

i.e.-checking accounts, merchant services etc.

Interviewed, hired and trained new staff members.

Set performance goals and expectations on a monthly basis, while coaching them monthly to meet

and exceed expectations.

Created weekly schedules for branch employees consisting of daily hours, lunches, breaks, vacation

requests etc.,

Cash handling, processed transactions, vault shipment and receiving of cash.

Held district wide and branch contests to assist with meeting sales goals

Prepared presentations for district and market managers on various banking strategies and

observations

Completed action plans and SWOT Analysis to improve performance of the branch

Prepared branch for quarterly audits, responsible for making sure branch documents were secured as

expected, tellers were aware of drawer limits, making sure platform individuals were aware of signing

authorities, wire transaction limits and procedures, security procedures etc.

While focusing on the branch, making sure I met my sales goals to lead by example

National city bank now pnc bank-Kalamazoo, mI Dec 2007- Jan 2009

Credit Card Specialist

Job Details:

Serviced Customers with payment due dates and minimum payment questions

Achieved being #1 on my team with credit card sales and reaching over 1,000,000 dollars in new

revenue for the company.

Maintained 100% call quality by providing excellent customer service to customers and knowledge of

company policies and procedures.

(I was promoted to Manager Trainee with the bank which is job above)

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Education

University of phoenix- Troy MI

Masters of Business Administration, 2011

GPA-3.36

OLIVET COLLEGE-OLIVET MI

Bachelors of Business Administration w/Accounting and Finance concentration 2006

GPA-3.68

Additional Skills:

Microsoft Excel

Microsoft Power Point

Microsoft Word

Volunteer Tax Accountant 2006-2007

Accounting Tutor 2004-2006

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