Credit Analyst and Auto Financing Specialist
Resume:
Veronica Laflower
Midlothian, TX *****
******************@*****.***
Professional Summary
Analytical Skills
• Financial Knowledge
• Risk Assessment
• Communication Skills
• Attention to Detail
• Computer Proficiency
• Experience
• Negotiation Skills
• Sales Experience
• Knowledge of Auto Financing
• Customer Service Skills
Willing to relocate to: Grand Prairie, TX
Work Experience
Credit Analyst
Santander Consumer USA & Chrysler Capital-Dallas, TX November 2019 to Present
assessing the creditworthiness of individuals or businesses seeking loans, reviewing financial data, and making recommendations on credit limits, loan terms, and loan approval.
• Assess creditworthiness by Evaluate the risk of lending to a specific borrower, considering factors like credit history, income, and liabilities
• Make Recommendations Based on analysis, recommend loan approval, denial, or modifications to loan terms, such as credit limits or interest rates
• Ensure all lending activities comply with relevant regulations and internal policies
• Gather and Analyze Financial Data by Reviewing financial statements, credit reports, and other relevant documents to understand an applicant's financial situation and repayment capacity
• Communicate credit decisions and policies to colleagues, clients, dealerships Funding Analyst
Santander-Dallas, TX
August 2016 to November 2019
Presenting Financing Options: Explain various financing options, interest rates, and terms to customer
• Paperwork and Documentation: Complete and submit necessary paperwork for loans, leases, and other financial agreements
• Negotiating Deals: Negotiate loan terms and secure the best possible financing options for customer
• Ensuring Compliance: Adhere to all federal and state regulations related to auto sales and financing Late Stage Account Manager
Santander-Dallas, TX
April 2014 to August 2016
Received inbound calls, interaction with customers in regards to their auto loans.
• Working in a call center environment.
• Negotiations on delinquent account 5-120 days past due, while adhering to policy and quality guidelines.
• Set up payment arrangement that efficient enough for both the company and customer.
• Updating i Repo and reinstating vehicles.
Education
Associate's degree in Sociology
Tarrant County College - Dallas, TX
May 2023 to Present
High school diploma
Dallas Can Academy Charter
Skills
• Customer service
• Underwriting (4 years)
• Loan Officer Experience (4 years)
• Financial analysis
• Medical coding (3 years)
• Document drafting (8 years)
• CSR (10+ years)
• Analysis skills
• 35-40 wpm (10+ years)
• Customer Care (10+ years)
• Credit analysis
• Medical terminology (3 years)
• Call Center (10+ years)
• Account management
• Negotiation
• Credit Analysis (4 years)
• Underwriting
• Microsoft offices (10+ years)
• Financial Analysis (10+ years)
• Banking
• Customer Service (10+ years)
• Account Management (10+ years)
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