Summary
Overview
Work History
Education
Skills
Timeline
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Cassandra Warren

Greenville,SC

Summary

Analytical and detail-oriented financial services professional specializing in data analysis, risk management, and fraud prevention. Expert in navigating complex regulatory environments and employing advanced data analysis techniques to identify and mitigate potential fraud risks. Proven leader in fostering team cohesion and enhancing client relations through strategic problem solving and robust communication skills.

Overview

16
16
years of professional experience

Work History

Retail Credit Analyst

TD Auto Finance
02.2022 - Current
  • Conduct in-depth analysis, investigation and decisioning on retail and lease credit applications based on the company's risk policy and 4 Cs of credit, and then educate and communicate decisions to appropriate dealers and business clients.
  • Perform detailed verification and documentation for all applications that meet the approval criteria.
  • Provide superior customer service while building professional rapport with clients to sustain acceptable cashing ratios and a balanced portfolio mix.
  • Ensure compliance with all corporate standards, processes and procedures outlined in the Credit Policy Manual.
  • Execute client level strategies as outlined by management.
  • Provide assistance to clients and the funding department with any contract problems and funding issues that may occur.
  • Engage in appropriate credit training, personnel development and coaching exercises as designated by management.

Senior Assistant Relationship Manager

Capital One Auto Finance
06.2020 - 08.2021
  • Lead, managed, and motivated a team of 6 Assistant Relationship Managers (Funding Coordinators) by guiding them to succeed and coordinated their efforts between Sales, Funding, and dealership support.
  • Owned the team's recruiting, interviewing, hiring, onboarding, and development of associate talent.
  • Offered impact performance feedback through employee recognition, rewards, and disciplinary action.
  • Guided employee's success using a framework that encouraged employee contribution, feedback, and growth.
  • Empowered career development planning and opportunities.
  • Delegated responsibility and welcomed accountability and regular feedback.
  • Strategically analyzed data, statistics, and operational results transforming low outcomes into solutions.
  • Managed employee work schedules including vacations, holidays, paid time off and overtime opportunities making sure the team needs were met.
  • Fostered a collaborative team by demonstrating transparent communication and holding regular group and one on one meetings.
  • Partnered successfully with peers and teammates to efficiently achieve operational alignment and mutual objectives.

Relationship Manager Coach

Capital One Auto Finance
10.2018 - 06.2020
  • Provided training and guidance to a team of 4 Relationship Managers.
  • Fostered and nurtured strong dealer relationships by delivering exceptional service and consistently demonstrating integrity, professionalism, and a commitment to mutual success.
  • Assisted the Senior Relationship Manager in ensuring the team was well-managed, well trained, and motivated for success.
  • Reviewed application structure in underwriting and approved or declined policy exception requests.
  • Guided deals in house for funding.
  • Analyzed territory production goals.
  • Helped influence the team's recruiting, interviewing, hiring, onboarding, and development of associate talent.
  • Guided employees' success using a framework that encourages employee contribution, feedback, and growth.

Relationship Manager

Capital One Auto Finance
02.2013 - 10.2018
  • Established, built, and maintained relationships with key dealership personnel.
  • Drove business results with a defined set of automobile dealerships through ongoing relationship building and through successful interaction with key dealership personnel to maximize contract volume and territory profitability.
  • Effectively overcame dealer objections with a value based, relationship-oriented sales approach.
  • Negotiated terms of credit approval at point of sale within defined parameters.
  • Delivered exceptional and reliable customer service across all channels.
  • Met and exceeded individual and team-based objectives and tracked progress relative to goals.
  • Developed and executed territory planning strategies using relevant data and available sales tools.
  • Built strong, resilient, and effective relationships with Area Sales Managers and team members.
  • Processed change quickly and positively while helping others adapt as well.
  • Excelled with a high level of proficiency in a fast-paced environment.

Assistant Relationship Manager

Capital One Auto Finance
04.2012 - 02.2013
  • Assisted Relationship Managers in managing queues and expediting the funding of contracts.
  • Worked as funding coordinator between funding and dealers.
  • Educated dealers on policy and procedures.
  • Assisted Area Sales Managers with job related requirements.
  • Took overflow of inbound phone calls.

Credit Analyst

Capital One Bank
01.2009 - 04.2012
    • Analyzed credit card accounts to determine consumer credit worthiness and level of credit risk.
    • Evaluated and interpreted trade line credit bureau data.
    • Utilized customer and/or applicant information and reviewed credit bureaus, account behavior, and payment patterns to perform risk assessment.
    • Made credit card lending decisions to approve or decline and/or set credit line while delivering accurate, timely, and consistent decisions to minimize charge-offs.
    • Effectively communicated risk insights throughout the organization.

Education

Some College (No Degree) - Criminal Justice

Tidewater Community College
Virginia Beach, VA

Skills

  • Data Analysis
  • Investigative Skills
  • Data Interpretation
  • Risk Management
  • Detail Oriented
  • Problem Solving
  • Cross Functional Communication
  • Resource Management
  • Multitasking
  • Compliance

Timeline

Retail Credit Analyst

TD Auto Finance
02.2022 - Current

Senior Assistant Relationship Manager

Capital One Auto Finance
06.2020 - 08.2021

Relationship Manager Coach

Capital One Auto Finance
10.2018 - 06.2020

Relationship Manager

Capital One Auto Finance
02.2013 - 10.2018

Assistant Relationship Manager

Capital One Auto Finance
04.2012 - 02.2013

Credit Analyst

Capital One Bank
01.2009 - 04.2012

Some College (No Degree) - Criminal Justice

Tidewater Community College

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Cassandra Warren