Qualifications Profile

Analytical, organized, and results-oriented professional with extensive experience in underwriting and financial operations; coupled with expertise in credit analysis, auditing, balance statement reconciliation, and commercial lending. Leverage strong problem-solving skills in analyzing and recognizing complex business issues and develop effective solutions. Demonstrate excellent interpersonal abilities in dealing with all levels of organization and individuals.

Areas of Expertise

Market Penetration ~ Portfolio Management ~ Consultative Sales ~ Customer Service ~ Client Relations

Loan and Payment Processing ~ Risk Mitigation ~ Cross-functional Training ~ Data Collection

Professional Experience

Confidential Various Locations

Confidential Dallas, TX Sep 2015–Present

Conduct financial analysis using key metrics to ascertain profitability, liquidity, and capitalization of assets and determine risks with credit request to provide recommendations to mitigate and limit the probability of expected return.

Collaborate with credit/sales approvers to underwrite $5M worth of real estate loan for Detroit metro dealer, while reviewing and approving any discrepancies with real estate appraisal prior to funding.

Expertly handle all facets of department websites, which involve publishing, updating, and administering content.

Serve as lead member of Toyota’s Onboarding Team to provide survey development and analytics to Executive Human Resources Leadership Team on new staff and internal transition from California Headquarters to Plano TX new Headquarters.

Hold responsibility for formal loan proposals preparation and presentation to senior management for loan recommendation commitment of up to $250M while determining key risks and mitigates.

Applied knowledge in underwriting credit packages, encompassing the sale of a franchise (buy/sell agreements).

Highlights:

Accomplished five credit packages that included the sale of a Toyota or Lexus franchise.

Credit Analyst Dallas, TX Apr 2013–Aug 2015

Executed credit analysis using dealer analytics and profitability tool to maintain and enhance market share and purchase strategy for retail and lease business through profitable portfolio growth.

Presided over in training new hires and internal transfers regarding company policies and guidelines.

Took charge of analyzing financial statements, credit reports, and applicable ratios from small business loans of $100K to $2M.

Highlights:

Augmented lost wholesale penetration by 20% to over 65% to achieve high-quality prime paper monthly in align with field sales to counterpoint in establishing rapport with finance and sales personnel.

Increased existing Lexus client retail outstanding with company by over $70M in one year end.

Credit Investigator / Contract Analyst Cincinnati, OH Jan 2012–Apr 2013

Made substantial contribution in attaining monthly finance goals required for funding retail and lease with Dealer Sales and Service office, as well as regional office.

Assumed accountability in reviewing contracts and credit applications, verifying documents to meet truth-in-lending requirements, and managing credit approval and contract terms.

Introduced the new FOPP requirements for scanned contract packages from 125 contracts to 150 contracts per box, therefore saving company budget with an estimate of $32,220 annually.

Handled the identification and recommendation of process and documentation modifications to enhance rebate efficiency of tracking and payout to major Toyota and Lexus rebate programs nationwide.

Functioned as subject matter expert for DSSO office for more than 25 Toyota and Lexus rebates program and approximately 87 dealerships in the states of Kentucky and Ohio.

Education

Master of Business Administration: 2015

University of Dallas Irving, TX

G.P.A: 3.69

Bachelor of Arts in Organizational Leadership, Minor in International Studies: 2011

Northern Kentucky University Highland Heights, KY

Activities

Volunteer, Boys and Girls Club

International Program Volunteer, American Red Cross

Website Manager, Greater Cincinnati World Affairs Council

Technical Acumen

Microsoft Office Suite (Word, Excel, and PowerPoint)

Microsoft Visio Microsoft Project Lotus Notes Statistical Software

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