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Credit Authorizations

Location:
Akron, OH
Posted:
January 11, 2016

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Resume:

CAROLYN ANGELA WILSON

330-***-**** / acs2kj@r.postjobfree.com / www.linkedin.com/in/carolyn-wilson-26812410a

PROFESSIONAL SUMMARY

- Senior Documentation Analyst with proven experience in Reporting, Quality Auditing, Research,

Data Entry and Process Improvement.

- Recognized by Management as being Highly Positive, Self-Motivated and Driven to Achieve Goals.

- Committed Team Player willing to Coach and Mentor Others.

- Strong problem resolution skills with proven success exceeding productivity goals.

- NMLS # 1416142; Ohio OMBA SAFE Comprehensive Ohio Pre-License Course, 2015.

AREAS OF STRENGTH / TECHNOLOGY SKILLS

Reporting Auditing Complex Problem Resolution

Research and Sound Judgment Efficient/ Organized Team Member and Coach

Process Improvement Energetic Highly Self-Motivated

Individual Contributor Quota /Goal Oriented Confidential Information Management

Microsoft Office: Access, Excel, Outlook, PowerPoint, Word

Sterling’s Technology; Chase Auto Finance Technology; Paragon Webdesk

RCO-Retail Credit Origination, ACAPS-Automated Credit Applications Processing System

CAREER EXPERIENCE

STERLING, INC., Akron, OH 2013 - Present

Credit Authorizer (Part-Time)

Review and verify new and add-on Customer transactions for credit approval utilizing system tools and resources to make accurate and profitable lending decisions. Review Customer accounts for potential credit line increases to support sales and generate loyal Customers. On-call Supervision, as required.

Process alternative applications via internet, mail-in, instant credit call -in

Meet mandatory Department objectives including response time, call answer rate and quality service levels: Average Talk Time 2:29 vs. Department 2: 34; Phone Quality Average 96.87% Above Expectations, transaction average per hour 11.9 vs. department average of 11.4. Currently ranked 9th in the Department of 65 full time, part time and seasonal Credit Authorizers.

Establish rapport with Field Personnel calling in to create positive image of Department

Participate in making outbound calls to verify application information

Take Customer applications accurately, including verifying information and making accurate lending decisions

Achieve Monthly Productivity and Quality Goals as established by the Management Team: Average Transaction Work Time 2:54 vs. Department Average 3:04; Approval Rate 76.3% vs. Department 69.9%; Highside Override Rate is 14.7% vs. Department 15.7%

Respond to Field Personnel inquiries regarding confidential Customer information

Evaluate Field Personnel concerns regarding sales, and resolve application or account issues in order to help make a sale on a credit account

JPMORGAN CHASE, Akron, OH 1997 - 2015 Senior Documentation Analyst II (1999 - Present)

Review auto finance loan contract packages against checklist in applicable online booking system; use independent analysis and exercise judgment to determine if applicable standards are met. Identify contract package irregularities by checking all contracts, warranties and insurances terms, interest rates match the

CAROLYN ANGELA WILSON

330-***-**** / acs2kj@r.postjobfree.com / www.linkedin.com/in/carolyn-wilson-26812410a

Loan Officer’s approval in RCO and ACAPS. Utilize available resources for resolution; prepare packages for return to Dealer for corrections; communicate relevant issues to Loan Officers and escalate appropriate issues to Supervisor. (Data Entry Position, 1997 – 1999.)

Provide application entry and processing support for instant credit applications; conduct 100% quality audits on contracts booked the prior day

Balance contracts to database reports; ensure all systems have been updated

Monthly audits for phone and accuracy were 100%; consistently Exceeded Expectations; processed over $1 million per week in Booked Loan Volume; turnaround time lowest in Department (average < 1-day turnaround time vs. Dept. average 2.0 days). Processed up to 20 loans per day and fund 80% in one day.

EDUCATION AND PROFESSIONAL DEVELOPMENT

Colorado Technical University Online, Colorado Springs, CO

Course Concentration: Business Administration / Finance

University of Akron, Akron, OH

Course Concentration: Business Administration / Finance

Johnson & Wales University, Providence, RI

Course Concentration: Business Administration / Finance

Pro Schools, Inc., Online

Ohio MBA Safe Comprehensive Ohio Pre-License Course, 2015.

JPMorgan Chase Professional Development

Chase Auto Finance Online

Anti-Money Laundering Training, (2007-2014)

AFSL Fair Lending Training, (2006-2014)

Privacy Awareness Training, (2008-2014)

Identifying Unusual or Potentially Suspicious Activity Training, (2012-2014)



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