DAVID J. HOCKEY

Tampa, FL 678-***-****

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CREDIT MANAGER/UNDERWRITER

Results-driven and accomplished auto finance professional with extensive success in evaluating credit worthiness of customers and making credit decisions which increase sales and minimize financial risk. Adept in collaborating with dealer management to create business development opportunities.

Credit Analysis Financial Analysis Banking Sales Negotiation Customer Service Call Center Operations Collections Analytical Thinking Active Listening Communication Building Relationships Leadership Problem Solving Teamwork Time Management Attention to Details Project Management Financial Services Underwriting Credit Risk Management

PROFESSIONAL EXPERIENCE

Regional Acceptance Corporation (a division of Truist Bank), Tampa, Florida 9/2019 – 2/2023

Credit Manager

Responsible for reviewing credit applications received from auto dealerships in an indirect lending atmosphere. Rendering the appropriate decision to maximize profits while minimizing losses. Build relationships with auto dealers to ensure a steady flow of business.

•Developed relationships with 100+ auto dealerships in the Florida market resulting in a steady flow of credit applications

•Maintained the lowest loss rate in the Tampa office while hitting bonus objectives for portfolio profitability

•Consistently scored “Outstanding” on individual audits by precisely following company credit policy and banking regulations

J. P. Morgan Chase Bank/Bank One, Atlanta, Georgia 9/2004 – 3/2019

Underwriter II

Bought auto loans from car dealerships in an indirect lending atmosphere for both prime and subprime customers. Made credit decisions in an effort to maximize dealer relationships while minimizing financial risk to the company.

•Developed relationships and received a steady from of business from auto dealers in Georgia, Tennessee and Alabama.

•Responsible for training new Underwriters and mentoring them in company policy and to achieve the goals of the position

•Collect on early payment defaults of auto loans from retail customers

David J. Hockey 678-***-**** PageTwo

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ADDITIONAL RELEVANT EXPERIENCE

DaimlerChrysler Services, Atlanta, Georgia 1997-2004

Dealer Credit Analyst

•Performed monthly analysis of auto dealer financial statements to gauge the financial strength of the stores for the continuation of floorplan lines of credit

•Wrote annual reviews and credit requests for dealerships for the renewal of credit lines

• Performed inventory audits of dealerships to prevent “out of trust” situations

•Collect monies due from auto dealers on sold inventory

EDUCATION

Master of Business Administration (MBA), Business Administration and Management

Kennesaw State University, Atlanta, GA

Bachelor of Science (BS), Marketing and Economics

Oswego State University, Oswego, NY

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