Charlene Bates

Work Experience:

Underwriter **/2021 – 02/2022

CARVANA - Tempe, AZ

Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and carious other factors when making underwriting decisions.

Analyzed credit, income, compliance, title documents and appraisals during underwriting process.

Carried out day-day-day duties accurately and efficiently.

Actively listened to customers’ request, confirming full understanding before addressing concerns.

Resolved problems, improved operations, and provided exceptional service.

Completed all paperwork, recognized any discrepancies and addressing them in a timely fashion.

Late-Stage Account Manager

Santander Consumer USA - Mesa, AZ 01/2017 - 05/2021

Collected in accordance with all state and federal laws inclusive of the Fair Debt Collection Practices Act.

Ensured all accounts in the calling que are worked according to business strategy.

Reduce delinquency on accounts while minimizing losses through repossession.

Evaluated each loan and determine the nest course of action for the customer in resolving the problem permanently.

Use collection tools and negotiate payment arrangements.

Independently negotiated with customer on repayment schedules deferrals and write-offs.

Maintained a top performance status during the time that I have was employed with Santander.

Assisted in helping other employees with questions and concerns.

Education:

Roosevelt High School - Gary, IN 06/1990 – 06/1994

High school diploma in General Studies

Skills:

Underwriting

Account Management

Loan Origination

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