Ambitious, detail-oriented professional versed in balancing priorities and meeting deadlines under pressure. Adapts quickly to challenges and changing environments. Ambitious financial professional with superior analytical and problem solving skills.
Risk & Compliance
Tactical Business Planning
Investigation & Analysis
National Retail Credit Coach, 08/2010
to Current TD Auto Finance (formally Chrysler Financial) – Farmington Hills,
Assisted with multiple training classes, perform analysis on credit risk, performed in depth analysis and rational decision making on auto loans, built professional rapport with consistent calls to dealer partners, and continued to learn and improve on underwriting analysis.
Consistent review of reporting trends in order to improve consistency in the retail credit automotive underwriting process; during a review and subsequent analysis, additional training sessions were implemented which resulted in approximately $1 million in previously missed opportunity of acquisitions per week for the my primary region.
Reviewed applications with teams of analysts, which have been the subject of fraud; also developed training to address these findings, to reduce the company's risk exposure going forward.
Weekly meetings with Retail Credit Analysts (RCAs), Dealer Relations Managers (DRMs), & colleagues to discuss strategies to improve portfolio performance and compliance to align with company goals, strategy and development an environment of consistency in a team atmosphere.
Perform team and individual coaching exercises by strategizing & implementing individual coaching plans to ensure proper feedback, accountability, and follow up.
Investigate trends and performance of Portfolio to ensure underwriting consistency and risk compliance.
Implemented multiple scenarios/strategies to direct teams of analysts to develop a healthy and consistent risk appetite to ensure compliance & develop talent.
Conduct month-end reporting which is analyzed and disseminated to management and retail credit analysts to showcase areas of improvement as well as areas of opportunity to bridge the gap in overall East Region Portfolio performance; constantly monitoring volume levels of the portfolio to ensure proper service and staffing levels are met on a daily basis.
Monitored organization's performance against competitors.
Monitored organization's performance against competitors.
Trained and directed [Number] new hires during department orientations.
Accepted coaching, constructive criticism and recognition with humility and composure.
Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Retail Credit Analyst, 08/2010
to 04/2011 TD Auto Finance (formally Chrysler Financial) – Farmington Hills,
Participated on simulated call team that analyzed & monitored calls of RCA's in order to provide objective feedback and improve dealer conversations.
Decisioned retail credit applications compliant with company risk policy & corporate standards with efficient dealer conversations and proven ability to educate our value as a business partner.
Provided superior customer service while building professional rapport with dealers to sustain acceptable cashing ratios and provide a balanced portfolio mix.
Trained and helped develop new RCAs while still learning on a daily basis ways to improve upon speed, accuracy, and overall decision making to help both the department and company succeed in an ever changing market.
Security Ministry, 01/2010
to 01/2012 Triumph Church – Detroit,
Volunteer for the Triumph Security ministry providing physical security for the congregation and leadership during the service as well as preliminary strategy and checking of placing, exits, and staging are within a tolerable safety and security standard.
Trained in corporate security and various defense tactics to aid in potential situations of hostile activity and aggressive behavior.
Responsible for the surveillance and transporting of cash offerings from up to five locations in the course of one day which has been known to be up to the amount of 5 figures.
Commercial Credit Analyst, 07/2006
to 01/2010 International Paper – Livonia,
Compiled necessary documentation & reporting for audits surrounding State and Federal Tax compliance, responsible for entire Northern Lakes Region.
Analysis of Dun & Bradstreet reports and financial statements of corporations to authorize lines of credit, followed up with presentations to upper management to recommend decisions based upon the results of the assessment.
Implemented the use of new reporting methods using SAP system, which allowed innovative methods to manipulate data in an effort to further aid management in strategy and tactics to reduce risk exposure.
Strategized daily, weekly, and monthly individually and collaborated as a department to share best practices and to structure effective strategies to recover the greatest amounts of accounts receivable.
Responsibility for the collections of a portfolio up to approximately $1M.
Analyzed previous payment trends of potential accounts through direct corporate references, conference calls and reporting provided through the National Association of Credit Management (NACM) in order to make recommendations for future business.
Conducted Daily Collection calls to manage accounts receivables.
Bachelor of Science: Criminal Justice & Business,
2006 University of Detroit Mercy - Detroit,
Criminal Justice & Business
Graduated Cum Laude
Credit Administration Certification National Association of Credit Management Credit Policy Accounting Financial Statement Analysis Achievements Cum Laude Graduate.
High school basketball referee & softball umpire registered with the Michigan High School Athletic Association
Credit Administration Certification received from the National Association of Credit Management