Funding exception manager

E R I C H E R N A N D E Z

623-***-**** ***********@*****.*** 1055 N Recker Road Unit 1242 Mesa, Arizona 85205 P R O F E S S I O N A L O V E R V I E W

Experienced credit analyst in the financial services industry, specializing in building strong relationships with various dealers, researching and analyzing credit risks, assessing credit history, and approving or denying extension of credit to potential customers. I have been able to actively communicate with each dealer to successfully close 1000’s of auto loans.

W O R K E X P E R I E N C E

GM Financial Senior Credit Analyst Chandler, AZ

• Consistent top performer achieving million-dollar goals within my territory monthly.

• Held 100% Quality Assurance monthly by determining if a service meets quality standards. This includes discovering any misrepresentation and potential fraud by the applicant.

• Assisted non-producing dealers to produce monthly by building rapport and trust.

• Mentored and assisted fellow team members to establish a consistent level of quality, accuracy, and compliance to departmental standards.

GM Financial Funding Manager Chandler, AZ

• Analyzed credit data to determine the degree of risk involved in extending credit.

• Evaluated decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal laws.

• Developed sufficient dealer relationships that ensured volume objectives and credit quality.

• Established and tracked monthly goals for assigned dealers.

• Negotiated and captured automotive finance contracts that meet profitability criteria for pricing and performance.

• Performed outbound telemarketing calls to the dealer customer.

• Achieved required credit quality and productivity by ensuring all queues were worked to acceptable service levels.

• Investigated loan originations for fraud or misrepresentation by reviewing the loan documentation and the systems utilized to underwrite, fund, and collect the accounts. GM Financial Funding Process Analyst Chandler, AZ

• Collaborated with assigned credit center and funding team to meet daily, monthly, and quarterly goals.

• Assessed escalated contracts to form fact-based decisions that mitigate risk and produce optimal portfolio performance for the company.

• Liaison for dealer customers seeking escalated assistance on complex funding challenges.

• Administered a queue with hundreds of applications daily for review on documents and approve funding exceptions within my authority.

• Led and motivated team members on daily and monthly funding goals. E R I C H E R N A N D E Z

W O R K E X P E R I E N C E C O N T I N U E D

GM Financial Funding Process Analyst Chandler, AZ

• Provided exceptional customer service by building and maintaining strong relationships with dealerships and customers throughout the funding process of auto loans.

• Learned to effectively manage my time, stay organized, and complete the funding verification stipulations necessary to fund as many loans as possible.

• Assessed, motivated, and empowered team members to work to build customer satisfaction and loyalty to support retention and growth.

• Received multiple awards for top performance and Quality Assurance of 98% and above. GM Financial Funding Specialist Chandler, AZ

• Responsible for personal daily and monthly goals while achieving awards for funding quality, quantity, and time to fund.

• Achieved company goals with attention to detail by showcasing quality to build company profit and mitigate risk by reviewing fraudulent paystubs and other documentation.

• Examined and verified information in loan application and closing documents.

• Checked and verified applicant credit, personal references, and employment histories.

• Reviewed customer accounts to assess payment compliance and adherence to loan terms. P R O F E S S I O N A L S K I L L S

Consumer Finance Credit Underwriting Time Management Problem Solving Negotiation Fraud Investigation Critical Thinking Mentoring Marketing Customer Service Adaptability Leadership T E C H N I C A L S K I L L S

Salesforce LexisNexis

ViewPoint Microsoft Office

Provenir

Contact this candidate