Credit Analyst / Underwriter

Eric B. Giron

801-***-****, ********@*****.***, — https://www.linkedin.com/in/eric giron 4470481

PROFESSIONAL

SUMMARY

Strategic and results driven auto finance professional with 30 years of experience in credit underwriting, dealer relationship management, and operational leadership. Proven success in building and maintaining high performing dealer networks, driving contract volume, and ensuring regulatory compliance. Adept at financial analysis, risk mitigation, and client engagement. Recognized as a trusted advisor to dealer partners, with a strong track record of exceeding performance metrics and mentoring teams. CORE

COMPETENCIES

Dealer Relationship Management

Auto Finance & Lending Strategy

Credit Underwriting & Risk Assessment

Financial Statement & Tax Return Analysis

Regulatory Compliance (Fair Lending, Credit Bureau Disputes)

Fraud Investigation & Audit Management

Salesforce CRM & TSYS Systems

Team Leadership & Training

Strategic Territory Development

Integrated Relationship Management (IRM)

EXPERIENCE

12/2017 – 07/2025

Arivo Acceptance, West Valley City, Utah

Dealer Relations Specialist (previous positions held: Policy Advisor & Examiner, Director of Originations, Senior Credit Analyst/Trainer)

Built and managed dealer relationships to support high volume credit originations and portfolio growth.

Partnered with Finance Directors, Sales Managers, and Dealer Principals to present value driven lending solutions.

Conducted over 100 monthly dealer visits to maintain engagement and uncover client needs.

Led underwriting and funding teams (25+ staff), ensuring accuracy, compliance, and efficiency.

Executed audits and investigations related to fraud, dealership practices, and credit disputes.

Developed structured approvals using down payments, guarantees, and modified terms.

Managed credit bureau disputes via e Oscar and contributed to policy development.

Delivered training programs to improve analyst proficiency and regulatory adherence.

EXPERIENCE

8/2016 – 11/2017

Sunburst Auto Sales, Salt Lake City, Utah

Sales/Operations Manager

Oversaw operations across three dealership locations, managing sales and compliance.

Launched a new dealership, ensuring operational readiness and adherence to lending guidelines.

Implemented strategies that improved KPIs and reduced operational costs. EXPERIENCE

10/2015 – 7/2016

Veros Credit, Salt Lake City, Utah

Business Development Manager

Built and maintained dealer relationships to drive business lending and contract volume.

Analyzed financial statements and tax returns to support credit decisions.

Proposed pricing and marketing strategies to enhance dealer engagement. EXPERIENCE

4/2015 – 10/2015

Challenge Financial Services, Salt Lake City, Utah Dealer Relationship Manager

Acquired new dealer accounts and strengthened existing relationships.

Reviewed contracts and financials to ensure compliance and profitability.

Delivered tailored lending solutions to meet dealer needs.. Eric B. Giron

801-***-****, ********@*****.***, — https://www.linkedin.com/in/eric giron 4470481 EXPERIENCE

10/2012 – 3/2015

Veros Credit, Salt Lake City, Utah

Dealer Center Manager

Established and expanded Utah territory, increasing dealer network and contract volume.

Conducted contract audits and ensured compliance with lending regulations.

Acted as a trusted advisor to dealer clients, providing insights and solutions. TECHNICAL SKILLS Salesforce CRM Microsoft Office Suite TSYS Equifax D&B Moody’s e Oscar REFERENCES Excellent references available upon request

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