Customer Service Manager
Resume:
Austin G. David
***** ******* **. ****** ** 75248
adbluw@r.postjobfree.com
Education-University of Oklahoma
Masters degree, Human Relations GPA 3.67 graduated 2008
Bachelor of Arts, Sociology GPA 3.10 graduated 2006
Work experience:
Commercial Credit Analyst - Freedom Truck Finance (September 2018 – November 2019)
• Examined potential prospects for commercial truck and trailer loans equating to around $2 million a month
• Researched commercial collateral equipment and established values for desirable loan-to-value thresholds
• Structured contracts to meet guideline specifications while mitigating risk and maximizing return
• Analyzed financials to ensure sustainable cash flow when extending credit on a multi collateral deals
• Maintained positive dealership relationships exercising moral and appealing negotiation strategies
• Ability to negotiate and facilitate escalated situations revolving around the commercial lending industry
• Met or surpassed monthly goals on a continual basis while adhering to commercial lending practices
• Managed day-to-day operations requiring resolutions with titling, accounting and marketing teams
• Monitored dealership portfolio performance to ensure acceptable yield and make proper adjustments to pricing
Credit Analyst - Sierra Auto Finance (July 2015 – July 2018)
• Evaluated clients’ credit data and credit-worthiness with paramount risk analysis
• Ensured credit decisions conformed to credit guidelines and regulatory expectations
• Analyzed financial documents, mitigated risk while maximizing profitability within program parameters
• Collaborated and assisted with auto dealership management pertaining to program and requirements
• Demonstrated strong mathematical and analytical skills with loan to value, DTI and PTI ratios.
• Assisted with guideline streamlining processes and recommendations for updated procedures
• Initiated and coached team on how to adapt to software updates and procedure changes
• Constantly adapted to changing programs and governing direction while maintaining superior accuracy
• Exercised strong work ethic while maintaining accuracy for both qualitative and quantitative work approaches
Fha, Gse, NON-GSE, VA and USDA UNDERWRITER - Bank of America (April 2012 – July 2015)
• Appointed to the “SUBJECT MATTER EXPERT TEAM" within the first 8 months with the company
• Promoted to Underwriter Officer after 12 months with the company
• Continuously maintained 100% quality score regarding audit reviews complying with CFPB
(Consumer financial protection bureau)
• My underwriting experience are applied to the following; short sale, deed in lieu, GSE, NON GSE, Fannie Mae, Freddie Mac, FHA, MHA, HFI, SFO and other investors.
• Appointed Special remediation project team to re-underwrite previously incorrect decisions
• Assisted with internal audits to ensure our team maintained accurate underwriting practices
• Proved to be a valuable liaison between teams by examining and communicating procedure updates
Account Manager - Ram Global Resources (November 2009 - September 2011)
• Searched and networked for perspective clients
• Set meetings for business to business introduction
• Negotiated business initiatives and rate proposals
• Constructed contracts regarding staffing service
• Maintained positive client relationships for profit sustainability
Recruiter - Ram Global Resources (Promoted to Account Manager July 2010)
• General staffing in different divisions of the workforce
• Placed contractors or direct hires within our industry specific clients
• Prescreened potential employees
• Coordinated interviews and new hire orientation
• Generated qualified leads for business expansion
Management Assistant - Enterprise Rent-a-Car (July 2009 - October 2009)
• Coaching and training colleagues to be successful in every facet of enterprise business
• Promoting and implementing new sales strategies for corporate business growth
• Establishing and maintaining positive relationships with potential & current accounts
• Managing and operating a successful competitive business with considerable success
Management Trainee - Enterprise Rent-a-Car (October 2008 – 2009)
• Exercise marketing skills to various types of businesses
• Developing stellar customer service expertise for various settings
• Acquiring accounting knowledge and successful business management strategies
• Effectively communicating and selling optional policy protection products
Honors and Activities
• Broke all time operational profit records at Enterprise branch 09A3 (June-July2009)
• Awarded balanced Enterprise branch in the North Dallas area (June-July2009)
• Finished in the top ten enterprise individual rankings numerous times for sales, customer service and overall performance (2008-2009)
• Big XII Commissioners Honor Roll (2003-2006)
• University Freestyle Wrestling All-American (2006)
• NCAA Wrestling National Qualifier (2002)
• UTC Athlete of the year (2002)
Capabilities
• Very proficient in PORTUGUES language, Fluent in face to face conversation
• Applying research data to develop proposals and problem-solving strategies
• Assessing needs of an organization and implementing improvements
• Relating and implementing organizational structure theory to work settings
• Credit report analysis, calculation of all sources of income and debt to income ratio
• Champion attitude absolutely positively maintaining an unparalleled mind-set
• A very charismatic approach when demonstrating and marketing a product
Contact this candidate