Credit Specialist Data Management

LEANNE GARNER

********@*****.*** 682-***-**** Keller, TX 76244

OBJECTIVE • Multi-talented Credit/Risk professional with 15+ years’ experience evaluating risk, identifying opportunities, and recommending solutions that support company goals. Eager to take on a new professional challenge utilizing strong analytical and problem-solving skills to assess credit worthiness while managing risk.

SKILLS • Effective communication

• Relationship Management

• Advisory credit understanding

• Credit reports

• Performance monitoring

• Risk mitigation

• Computer proficiency

• Data management

WORK HISTORY

Credit Manager Pacific Region - Santander 09/2021 – 12/2023

• Managed Pacific Region Team of 18 Credit Analyst in their day-to- day performance and administered feedback when applicable.

• Managed time keeping and reporting.

• Collaborated with upper management to evaluate new credit strategies to develop improvements.

• Handled escalations from credit specialist on originations that exceed multiple (2 or more) Policy Limits.

Sr. Credit Specialist - Santander 08/2020 – 09/2021

• Reviews and analyzes credit information as well as risk analysis on commercial auto loan requests.

• Handled escalations from credit specialist on originations that exceed multiple (2 or more) Policy Limits.

• Fosters relationships with sales and funding to align regional focus and builds relationship strength.

• Meets monthly application and funding volume goals within assigned portfolio.

• Follows up with dealers on pending contracts.

EXECUTIVE OFFICE MANAGER – Santander 04/2019 - 08/2020

• Carries out supervisory responsibilities in accordance with Santander's policies and applicable laws to include monitoring agents’ daily performance, stats, service levels, call quality, attendance, & call quality, and administers disciplinary action, etc., as needed.

• Responsible for strategic guidance, development and evaluation of employees.

• Develops and fosters internal relationships to quickly resolve escalated and unresolved customer issues and conflicts.

• Possesses executive authority level in all areas of Customer Advocacy to render & carry out resolutions.

Underwriter/Sr. Credit Specialist - Santander 10/2016 - 04/2019

• Handles escalated app/calls from credit specialist and assigned escalations from managers (CARS and Credit).

• Foster relationships with sales and funding to align regional focus, identify dealer growth opportunities, and build relationship strength.

• Participates in special projects and tasks as assigned.

• Mentor credit specialist on policy, procedures, and process changes.

• Assist in assigning queue coverage and daily monitoring of reports to ensure SLAs are met.

Credit Specialist/Dealer Development - Santander 02/2016 - 10/2016

• Render competent credit-based decisions that mitigate risk and maximize profitability while conforming to overall portfolio performance review standards.

• Builds relationships at Dealership level to increase closure rate.

• Conducts follow up with dealers on pending contracts.

• Ensures credit decisions conform to credit guidelines regulatory expectations.

• Makes decisions on credit applications quickly and accurately based on internal lending guidelines.

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