Robert Vallecillo

Las Vegas, NV ***** 702-***-**** ad1ov5@r.postjobfree.com

Summary of Qualifications

Dynamic, qualified, and resourceful Financial Professional with diverse expertise in underwriting, loan processing, and banking who consistently exceeds company objectives to secure client satisfaction and loyalty. Independent worker with strong time management skills. Ability to handle multiple tasks and meet deadlines in a fast-paced environment. Excellent sales, negotiation, problem-solving and analytical skills. Familiar with the auto finance industry and consumer credit reports.

Credit Analysis

New Product Launch

Integrated Marketing Plans

Strategic Planning/Analysis

Market Development

Product Positioning

Communications

Loan Portfolio Audit

Branch Operations

Budget Development

Problem Solving

Dealer Relationships

Professional Experience

Consumer Loan Underwriter

Omni Finance, Las Vegas, NV 2021 – Present

Underwrite consumer loans for US Military service members.

Review, assess, and analyze all aspects of consumer loan requests to include loan applications, credit reports, and applicable ratios.

Evaluate the risks of extending loans within established underwriting guidelines, with a focus on maximizing profit and minimizing risk/loss.

Communicate with loan originators and processors regarding loan status, approvals, suspensions, denials, and conditions.

dealer Account Relationship Manager

Greater Nevada Credit Union, Las Vegas, NV 2016 – 2020

Instrumental in the development of a broad customer base by playing an essential role between finance corporations and dealers.

Spearheaded product launch, strategic sales, and marketing initiatives.

Provided training and supervision to dealers and tracked dealer metrics and performance.

Established and maintained relationships with auto finance managers and sales directors to promote indirect loans and generate new business.

Upgraded the finance organization to improve the funding process for new/used car buyers.

Dealer Relations Account and Underwriter Finance Manager

Tidewater Finance Corp., Henderson, NV 2014 – 2016

Oversaw the handling of loan applications for an automobile finance corporation.

Led the underwriting of prime loan requests on a nationwide basis.

Developed durable relationships with dealers and kept up efforts to sustain them.

Audited loan portfolio on monthly basis. Determined stress points and managed them effectively while also underlining the most profitable areas.

Made face-to-face trips to Arizona and California dealerships to communicate and innovate suggestions that improved operations. Listened and implemented beneficial ideas from dealers.

Dealer Relations Manager

West Lake Finance Corp., Las Vegas, NV 2013 – 2014

Contributed to the development of the customer base by playing a key role between finance corporations and dealers.

Headed product launch, strategic sales, and marketing efforts.

Created plays to increase new business for the company.

Improved relationships with auto finance managers and sales directors which resulted in a thriving business and efficient problem-solving.

Upgraded the finance organization to improve the funding process for new/used car buyers.

Area General Manager

Exeter Finance Corp., Las Vegas, NV 2011 – 2013

Took on leadership and management role with busy automobile finance corporation.

Set the tone for branch operations and ensure that all employees followed standards.

Established underwriting policies and procedures and trained employees to use them properly.

Kept dealers involved by implementing a monthly marketing schedule that kept partnerships on point and productive.

Actively involved in the underwriting sub-prime automobile loan market.

Made sure that all staff members understood company policies and procedures. Trained the funding staff on the company policy and procedure.

Reviewed all contract packages to assure that all funding levels were appropriate, which helped the branch maintain its grade performance at an adequate level.

ASSISTANT AREA GENERAL MANAGER

GM Financial / AmeriCredit Financial Services, Las Vegas, NV 2007 – 2011

Recruited to grow revenue as an underwriter within the nonprime auto market.

Led business development, sales and marketing, and credit analysis departments.

Oversaw finance investigations.

Consistently delivered effective results and earned top ranking as a loan officer.

DEALER RELATIONS MANAGER

Westar Credit Union, Las Vegas, NV 2003 – 2007

Oversaw the direction of Credit Union’s product launch and market planning.

Worked diligently to build effective relationships with Finance Managers and Directors.

Oversaw funding process infrastructure within the organization.

SENIOR CREDIT ANALYST

AmeriCredit, Las Vegas, NV 1999 – 2003

Served as a key analyst in credit determination for an automobile finance company.

Increased loan revenue to $5M per month and grew the total portfolio to $75M.

Delegated the processing to loan processors after proper training.

Guided and assisted the processing staff in the loan processing procedures.

Education

Criminal Justice Coursework – Glendale Community College, Glendale, CA

Certification, Fair Debt Collection Practices Act

Military Service

United States Navy, 1986-1990

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