Carlos Salazar
Mesa,AZ
Summary
Skilled Underwriter adept at streamlining processes and increasing efficiency while meeting demanding benchmarks for productivity and risk control. Offering strong initiative, exceptional work ethic and disciplined approach. Over 10 years of experience in underwriting and leadership.
Overview
9
9
years of professional experience
Work History
Credit Analyst
Flagship Credit Acceptance
09.2022 - Current
- Serve as a direct channel to Franchise and Independent Dealerships to provide financing options to customers for Subprime Lending
- Work closely with Finance Managers, Sales Managers, and Owners for options on financing while assessing risk and verifying credit worthiness for clients
- Work collectively with Area Sales Managers to produce business and maintain relationships with dealers.
- Contributed to the development of robust risk management framework by actively participating in policy reviews and updates discussions.
Credit Underwriter
Rocket Companies
06.2020 - 09.2022
- Served as a wholesale channel to third-party originators to facilitate originating mortgage loans for purchase and refinances
- Expanded experience in an operations standpoint by overseeing insurance and title for all 50 states, credit reviews, and fraud reviews by using internal and external resources.
- Streamlined internal processes by developing and implementing standardized underwriting procedures and checklists.
- Maintained up-to-date knowledge of market trends, allowing for informed decision making in evaluating applications.
- Participated in future leadership programs for employees pursuing managerial positions and worked in full capacity as an assistant manager while still maintaining my pipeline.
Credit Underwriter
Carvana LLC
07.2019 - 06.2020
- Assisted our sales team in closing auto loan purchases by underwriting incoming leads and working directly with clients to provide purchase options with financing internally, externally, or via ach/cash
- Worked with all 50 states for Department of Transportation title and insurance process, facilitated and worked with 3rd party lenders, and inventory ultimately to close loans.
- Supported team members in their professional development by providing guidance on complex cases and sharing expertise.
Loan Officer
J.P. Morgan Chase Bank
11.2017 - 07.2019
- Originated, processed, and closed loans in a sales position
- Worked a list of leads to refinance, purchase, and buyout leases for used or new vehicles
- Completed an initial underwrite at origination of loans to ensure structure of loan is complete and ready for underwriting review acting as assistant to underwriter.
- Fulfilled monthly sales targets consistently by employing strategic selling techniques.
Assistant Manager of Sales and Rentals
Auto Express LLC
07.2015 - 11.2017
- Managed sales and rental employees, marketing, inventory, repossessions, and collections in a small business environment while directly reporting to the owner
- Originated and processed loans for clients in the market to purchase loans.
- Monitored inventory levels closely, coordinating with procurement department to prevent product shortages during peak demand periods.
- Conducted regular performance reviews with team members, identifying areas for improvement and guiding them towards professional development opportunities.
- Boosted sales revenue by identifying potential clients and presenting tailored solutions to their needs.
Education
U.S. Marine Corps
Rocket Companies
No Degree - Business Administration And Management
Mesa Community College
Mesa, AZ12.2018
High School Diploma -
Westwood High School
05.2014
Skills
- Management and Leadership
- Risk Assessment
- Quality Assurance
- Military Experience and Work Ethic
- Financial Administration
- Analytical Skills
- Creative Problem Solver
- Marketing
- Project Management
- Sales Development and Relationships
Leadership Profile
Reputation of working effectively through tight timeframes with diligence and quality. Training internal groups for effective learning and maximum production. Earned Sergeant E-5 rank in the U.S. Marines. Experienced team player willing to volunteer and manage multiple roles in a fast-paced environment. Proven leader with the ability to analyze data and implement efficiencies. Succeeded in sales and marketing; both with advertising, business attraction and website improvements. Active listener, attentive learner, resourceful, and receptive to training with ability to quickly grasp new concepts.
Timeline
Credit Analyst
Flagship Credit Acceptance
09.2022 - Current
Credit Underwriter
Rocket Companies
06.2020 - 09.2022
Credit Underwriter
Carvana LLC
07.2019 - 06.2020
Loan Officer
J.P. Morgan Chase Bank
11.2017 - 07.2019
Assistant Manager of Sales and Rentals
Auto Express LLC
07.2015 - 11.2017
U.S. Marine Corps
Rocket Companies
No Degree - Business Administration And Management
Mesa Community College
High School Diploma -
Westwood High School
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