William H. West III

A highly motivated and organized individual who will use 15+ years of management experience and skilled leadership to maintain productivity and quality of service. Results-focused Financial professional withstrength in negotiation. Proactive leader with strengths in communication and collaboration. Proficient in leveraging collections and underwriting knowledge to promote profitability. Proficient managing concurrent objectives to promote efficiency and influence positive outcomes. 16115 E. Easter Cir Aurora CO 80016 303-***-**** ad4xto@r.postjobfree.com WORK EXPERIENCE

The Savings Group — Underwriter

GM Financial — Credit Analyst

09/2020 to 06/2023, Greenwood Village, CO

Met business growth goals through collaboration with internal stakeholders and departments.

Achieved production goals by developing strong underwriting teams. Leveraged customers' history, industry and demographic information to calculate renewal rates.

Determined level of acceptable risk by reviewing applications for coverage and loss control reports.

Worked with colleagues to review and accept or deny new and renewal business. Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.

03/2017 to 07/2020, Denver Tech Center

Analyze credit data to determine the degree of risk involved in extending credit Make decisions to approve or deny the extension of credit within set credit authority established by senior management and state/federal laws Develop su cient dealer relationships that ensure volume objectives and credit quality

Capture automotive nance contracts that meet pro tability criteria for pricing and performance

Ensure branch o ce cooperation with other department, to maximize e ciency with the company

Coastal Credit — Credit Buyer

Wells Fargo Dealer Services — Collection Supervisor EDUCATION

Metropolitan State — History

Perform outbound telemarketing call to the dealer customer 07/2014 to 01/2017, Centennial, CO

Reviewed, examined and underwrite loans to ensure soundness, business value and compliance to guidelines and investors standards Evaluated debt to income ratios, loan to value ratios, credit score, property valuation and other factors

Determined and documented loan conditions and communication requirements and, or decisions

Assisted, identi ed, recommended and, or negotiated alternatives loan requirements, funding and, or loan-structuring solutions

Cleared loan approval conditions, issued notice of adverse action to decline customers after 2nd level review.

11/2005 to 06/2014, Littleton, CO

Directs and coordinates activities of workers engaged in conducting credit investigations and collecting delinquent accounts of customers of various loan types Assigns subordinates to supervise workers investigating and verifying nancial status and reputation of prospective customers applying for credit, preparing documents to substantiate ndings, and recommending rejection or approval of applications Assigns responsibility for collecting on worthless checks and delinquent bills to speci c supervisors

Reviews and evaluates applications, substantiated data, and recommendations in order to determine credit validity

Establishes credit limitations on customers' accounts Reviews collection reports to ascertain status of collections and balances outstanding and to evaluate effectiveness of current collection policies and procedures 08/1992 to 12/1996