Background

Melanie D. Pruitt

Profile:

Excellent time management skills

Nine years of Customer Service

Five years credit underwriting experience

Exceptional verbal and written communication skills

Self-motivated and reliable

Able to multi-task

Performs well under pressure

Enjoys being challenged

Eager to learn and excel

Committed to personal & professional development and education

Six Sigma Greenbelt Certified

Experience:

4/2007 - Present JP Morgan Chase Auto Finance Houston, Texas

Credit Analyst

11/2000 - April/2007; Ford Motor Credit Company, Houston, Texas Collections Representative/Dealer Service Analyst/Dealer Credit Analyst

Analyzed and approved, conditioned, or rejected consumer and commercial credit applications.

Adhered to purchase approval limits and investigation standards at all times.

Sold the benefits of the Company's value proposition to the dealership's Finance and Insurance department.

Effectively maintained a consistent purchase policy based on dealer support, liquidation experience, and management direction.

Monitored dealer risk through financial statement analysis, annual credit file review, and Management Analysis Planning System reports.

Spread over 25 dealership financial statements monthly to determine profit and loss trends.

Provided outstanding customer service to internal and external customers.

Developed and maintained strong business relationships with dealership personnel.

Completed all required procedural reviews in a timely manner to identify potential misrepresentation or fraud.

Supervised credit investigations and performed investigations as needed. Provided training and feedback to investigators as required.

Minimized portfolio risk and credit losses through effective account resolution.

Reduced delinquency through effective follow up and extensive 'skip tracing'.

Serviced customers and dealers promptly and courteously to achieve targeted Customer Satisfaction Index (CSI) and Dealer Satisfaction Index (DSI) objectives.

Minimized expenses through effective use of resources and time management to achieve targeted expense budget.

Work Experience:

11/99 - 11/2000 First Capital Mortgage Colorado Springs, Colorado

Loan Officer

2/98 - 7/99 FutureCall Telemarketing Colorado Springs, Colorado

Telemarketing Sales Representative, Supervisor/Trainer, Recruiter

8/94 - 8/97 United States Army

Petroleum Supply Specialist

Education:

09/06-Present; North Harris College, Houston, Texas

Currently pursing an Associates Degree in Business, Marketing, and Management

11/98 - 7/99 Pikes Peak International Health Careers School

Medical Assistant

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