LUZ E. SCOTT

**** ********** ***

EDGEWATER, FL *2141

cell: 407-***-****

Email: ad3ah1@r.postjobfree.com

OBJECTIVE

Seeking for a sales position in the auto industry in which I can apply 25+ years of experience in sales/credit analysis and technical skills, and expecting to become a constructive asset to the company.

WORK EXPERIENCE

January 2022 – Present GM FINANCIAL CREDI ANALYST

Responsibe for servicing floorplan dealers in the South-East Florida area.

Will handle a high volume of applications; about 150 per day, along with a high volume of inbound/outbound phone calls.

Will evaluate and analyze customers credit, financial ability and stability to decide if financing will be granted.

Will stay up-to-date with current policies and guidelines through consistent training.

Will closely monitor Early Payment defaults and Repos by joined efforts with the sales team.

April 15, 2013 – 02/28/2021 ALLY BANK Remote Credit Analyst

Responsible for servicing an average of 45 dealers in the East-South Coast of Florida.

Will handle a high volume of applications; about 150 per day, along with a high volume of inbound/outbound phone calls.

Will evaluate and analyze customers credit, financial ability and stability to decide if financing will be granted.

Will stay up-to-date with current policies and guidelines through consistent training.

Will closely monitor Early Payment defaults and Repos by joined efforts with the sales team.

Will Visit Dealerships 3 times a year to Dine and Wine and to ensure they would be selling our Gap and Service Contracts products.

10/12/12 – 4/11/2013 AMERICREDIT Sr. Underwriter 2

Responsible for managing a territory of 35 auto dealerships in the South Florida market.

Evaluate and analyze customer credit, ability and stability to recommend financing options.

Ensured timely accumulation of necessary documentation, processing and following up on conditions needed prior to funding.

Actively work hand in hand with our sales team in various matters related to current programs.

Responsible for managing current pipelines by following up with dealer contacts and loan originators to expedite the closing of the loan to meet monthly goals

08/30/2009 – 09/30/2012 SUNTRUST BANK Sr. Underwriter ii

Experienced in all aspects of underwriting Auto, Bike, Boats, Unsecured Lines/Loans, and Home Equity Lines/loans.

Evaluate the subject property and financial strength and credit of the borrowers while recommending modifications to underwriting guidelines to attain profitable growth.

Ensured timely accumulation of necessary documentation, processing and following up on conditions needed prior to funding.

Responsible for managing current pipelines by following up with clients and loan originators to expedite the closing of the loan to meet monthly goals.

Responsible for a high volume of Spanish Speaking customer applications

Recently recognized as the highest producing underwriter for the center based on high standards of quality underwriting and on the most units booked in my first year as an underwriter.

Developed strong working knowledge of underwriting policies, guidelines, appraisal report reviews and others.

5/01/2005-02/09/2009 CITIFINANCIAL Client Dev Officer 2

Would review, analyze and made credit decision on auto loans in a challenging financial environment.

Make outbound calls to dealer clients on every approved application and/or to follow up on previously approved application until it was whether captured or lost on daily basis.

Managed 50 plus dealership accounts in the aggressive and ever-changing South Florida Car Market and in other states like Alabama, Ohio, New York and more.

Conduct joint dealer visits with the Dealer Relation Manager on a needed basis and successfully developed and maintained productive relationships with Dealer Principals, General Managers and Finance Directors.

Established commitments for contracts from every dealer within the assigned dealer base as well as commitments for exceptions done during course of day.

Work in cooperation with the funding department and customers to promote efficient and quick funding by ensuring the receipt of all proper documentation to expedite the process.

In the first year with the company was commended as Buyer II in recognition of outstanding profitable service to dealers and clients.

ADDITONAL SKILLS

Strong sales and marketing skills

Ability to multi task and work under pressure

Professional work ethics with exceptional customer relations

Great analytical and written communication skills.

Fully Bilingual in English/Spanish.

EDUCATION

Juan Ponce de Leon High School San Juan, PR Graduated 1985

Banking Institute of Puerto Rico Hato Rey, PR Graduated 1987

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