Genesis M. Musca

Falls Church VA, *****

Cell: 757-***-****

E-mail: adn4nd@r.postjobfree.com

QUALIFICATIONS SUMMARY

Top performer skilled in consumer lending with superior analytical skills in credit approvals. Highly responsible, well-organized professional with excellent attention to detail. Proficient in the use of Microsoft Word, Excel, and PowerPoint.

PROFESSIONAL SKILLS

Analysis of Customer Application for Payment to Income, Debt to Income, and Disposable Income Review of Credit Reports and Credit History

Dealer Calling

Building and maintaining effective working relationships across functions and organizations PROFESSIONAL EXPERIENCE

Capital One

Relationship Manager (Auto Loans S.W. Maryland) (2012- 2013)

· Provided dealerships with feedback on all approvals and counter offers, reviewed applications, and provided expert advice on options for the sale.

· Developed account plans to generate contracts from lagging dealers

· Tracked bank and exceptions on a daily basis and subprime contracts

· Worked queues on a daily basis

· Generated daily reports included, received not funded approved not received and the bank report.

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· Served on a committee that provided guidance to coworkers on best practices for their job roles. Regional Acceptance Inc. Credit Manager (2011- 2012)

· Analyzed Customer Application for Payment to Income, Debt to Income, and Disposable Income.

· Dealer Calling (Duties include Review Score sheet, fees, promotions and solicit applications)

· Review Credit Report for any policy violations and Review Credit History.

· Approval authority at $20,000 from credit administration, and can proxy branch managers for

$35,000

· Manage the office when the branch manager is absent or out dealer calling.

· Answer all incoming phone calls from the dealerships

· Rehash callbacks

· Work with the dealers on backend, frontend, loan to value, and get a commitment from the dealer.

· Process incoming credit applications from 160 dealers in the Hampton Roads.

· Approve, deny or condition the credit application based on their credit worthiness.

· Assist loan administrators in the funding process. EZ Auto

Collections and Financial Representative (2010 to 2011)

· Maintained and evaluated past due accounts.

· Responsible for collecting and contacting customers 10 to 35 days past due.

· Worked directly with the customers to understand and help them maintain good credit. Helped customers achieve financial stability.

· Handled payment over the phone as well as in person

· Member responsible for making sure all auto loans had current active insurance policies and made daily bank deposits for the company

Citizens &Farmers Bank

Members Service Representative (2009 to 2010) .

Maintained a cash drawer and balanced a vault daily. Worked with customers and their accounts, suggesting programs available to them to reach their financial goals.

Offered and opened new accounts as well as cross sold beneficial need to our customers. Responsible for running reports and to scan debts and credits daily for the whole branch. Attended after work functions for social networking.

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HSBC (2009)

The Branch was shut down my first day of work due to closing of all branches in the area. CitiFinancial Auto

Underwriter (Buyer 2) (2007 to 2008)

· Buyer 2/Underwriter for local dealerships in the area

· Worked from a queue to evaluate credit worthy and willingness to payback on auto loans

· Review all credit bureaus reports and performed over the phone interviews.

· Called and reviewed all applications submitted.

· Maintained a monthly goal and remained in contact with all managers and sales personal to keep them informed of changes in buying process

Langley Federal Credit Union

Auto Loan Officer (November 2006 to July 2007)

· Review Credit applications.

· Approve, Deny, Condition auto credit applications.

· Hand submitted over 200 applications via fax machine into the Langley system.

· Open accounts for customers.

· Review all credit applications, and make appropriate decisions.

· Dealer Calls and Maintain strong dealer relationships. Marine Federal Credit Union (May 2002- May 2006)

Loan Officer

· Performed Teller duties.

· Assigned to the ATM response team for afterhours and weekend response to problems.

· Members Service Duties included opening checking and savings accounts, redeeming and issuing bonds, opening up IRA accounts and helped the customer in resolving issues.

· Credit Card Coordinator duties included opening credit card accounts and issuing credit cards and helping the customer in resolving and problems that occurred.

· Phone loan duties to take applications over the phone for credit cards, personal loans, secured credit cards. Pull credit to get the applicant approved.

· Loan officer duties included working with all Marine Federal branches for high risk loans and approved or denied.

● Received the Superior Employee Award in Consumer Lending, 2005 TRAINING

· Completed Star Training

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