AMY LOVETT

Aurora, CO ***** 720-***-**** adov4d@r.postjobfree.com

Professional Summary

Senior credit analyst and outstanding performer in risk mitigation and profit analysis. Self-starter knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures. Proven success in leadership, operational excellence and organizational development with a keen understanding of elements of prime and subprime business. Recognized for inspiring team members to excel and encouraging creative work environments.

Skills

Underwriting

Credit risk review

Research

Analytical Thinking

Relationship development

Operational improvement

Project Management

Experienced with MS Suite,

SalesForce,Cognos, AS400, Lexis Nexis

Leadership

Problem Solving

Decision Making

Marketing

Presentation Skills

Lending regulations

Work History

SR Credit Support Analyst 10/1996 to 04/2020

GMFinancial/AmeriCredit – Denver, CO

Executive authority performing underwriting exceptions from a remote location in regards to collateral.

Strong working knowledge in finance, programs and processes to continue to support company growth before during and after larger buyout and transformation to a captive lender .

Review all credit bureaus, ratios, collateral, exposure and income documents. Offered insight to corporate office regarding performance trends from credit decisions keeping the company in line with projected results communicated to investors. Drove operational improvements such as training material, talent pool development and career path initiatives that company has in place today saving the company millions of dollars in employee turnover training costs improving profit margins. Provided resources and expertise for conversion, validation and training required for company-wide software updates.

Led buyback initiatives recouping company millions of dollars charged off due to contract violations by monitoring accounts for signs of fraud and non-payment issues. Two time recipient of the President's Club award for being in the top tier of the company by exceeding expectations in areas such as volume, delinquencies, producing dealerships and low error audits in policy execution.

Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures. Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.

Resolved efficiency problems, improved operations and provided exceptional client support aiding in a center that was a top performer by company expectation. Resolved conflicts and negotiated mutually beneficial agreements between parties. Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.

Education

General Studies

University of Northern Colorado - Greeley, CO

General Studies

Arapahoe Community College - Littleton, CO

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