Credit analyst/sales mgr

Shelly Latimer |Rockwall, TX ***** |972-***-**** | **********@*****.***

I have developed exceptional listening and observational skills over the years of experience working for lenders. I have been in a lot of different positions within the banking industry (usually at the same company). I started in data entry (in 1989) and moved through a funder position to aftermarket cancellations to credit officer to credit/funding manager.

SELECTED CAREER HIGHLIGHTS

SANTANDER/DRIVE FINANCIAL: Utilizing my relationship building acumen, I had 200-400 contracts a month funding & 90+% of my dealers were submitting applications every month. I maintained these numbers month in and month out.

HBSC AUTO FINANCE: Used relationship building aptitude to acquire and keep 149% volume increase over 5 years in 3 different states. Identified and established many new relationships. “GR8ideas” award for my idea of imaging of documents and implementation of internal paperless routing system for those documents.

SUMMIT ACCEPTANCE CORP/CAPITAL ONE AUTO: (Bonded) Quickly moved through the ranks to become a “go to” credit officer. Matured into Sr. Credit officer and Credit/Funding Manager. I had an integral role in merging and acquisition of Summit Acceptance by Capital One. Teamed with IT project managers to develop and test new scoring models, underwriting and funding systems, merged bureaus, cross selling project and refinance project.

PROFESSIONAL BACKGROUND

SANTANDER/DRIVE FINANCIAL: Dallas, Tx …………………………………………………………………2008-2011

Cold calling on a list of over 1100 dealers that were de-activated (for any number of reasons) to develop them into a producing region of 400 dealers to keep as their credit officer. I handed the rest off to new credit officers.

HOUSEHOLD AUTO FINANCE/HSBC: Lewisville, Tx………………………………………………………………2003-2008

REGIONAL SALES MANAGER

Substantially boosted sales -over 100% average goal over last three years and ranked in top 3 overall in regional sales for 5 years

Maintained total funded loans over $3 million monthly over last five years in three regions.

Initiated and managed direct mail, fax and email campaigns targeting specific types of dealers to ensure profitability of portfolio.

Consultative selling from dealer principal to sales manager to finance manager creating deeper partnership.

HOUSEHOLD AUTO FINANCE/HSBC, Lewisville, Tx………………………………………………………………2003-2003

CREDIT OFFICER

Considered applications for credit and rendered appropriate credit decision within credit and compliance guidelines. I collaborated with RSM’s to facilitate ongoing business development by phone, fax and email efforts. Lead the influence of having credit officers assist funding in getting deals funded while asking for more business.

SUMMIT ACCEPTANCE CORPORATION/CAP ONE AUTO………………………………………………………1994-2003

CREDIT/LOAN ORIGINATIONS (Bonded)

Considered applications for credit and rendered appropriate credit decision within credit and compliance guidelines. I collaborated with regional sales managers to facilitate ongoing business development by phone, fax and email efforts. I became a business development officer for new sales people. I updated internal credit and quality assurance scoring policies. Developed and tested new underwriting and funding systems. I was involved in merged bureaus, enhanced credit decisioning and automated payment calculations project.