Charles Horton
Little Rock,AR
Summary
Knowledgeable and dedicated customer service professional with extensive experience in the auto credit industry. Solid team player with outgoing, positive demeanor and proven skills in establishing rapport with clients. Motivated to maintain customer satisfaction and contribute to company success. Articulate, energetic and results-oriented with exemplary passion for developing relationships, cultivating partnerships and growing businesses.
Overview
24
24
years of professional experience
Work History
Commercial Service Group Underwriter
Ally Financial Inc.
10.2021 - Current
- Analyzed risk and adhered to underwriting standards to drive risk selection and profitability.
- Built lasting relationships with dealers to support sales, services, and company growth.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Validate contract and aftermarket products to ensure funding in a timely fashion.
- Negotiation and interpersonal skills with dealers
Senior Representative Customer Solutions
Ally Financial Inc.
Little Rock, AR
08.2008 - Current
- Exceeding the company productivity standards 10% over company avg on consistent basis, handling more than 15% of quota each day.
- Assess customer needs and upsold products and services to minimize company losses.
- Complete diverse tasks on daily basis to serve customer needs, including problem solving, negotiation skills, as well team interaction in a professional manner.
- Document conversations with customers to track requests, problems and solutions.
- Investigate technical issues using knowledge base and personal experience to complete timely
- Review and verify income, credit reports and employment histories for each borrower
- Share detailed information regarding service options to help customers make informative decisions.
- Help make decisions and recommendations about extending lines of credit
- Improve understanding of financial statements, which helped in assessing resolution
Logistics Supervisor
Target
Little Rock, AR
07.2001 - 08.2008
- Planned and arranged logistics required shipments.
- Developed monthly reports complete with project timelines, corporate metrics, and productivity measurements.
- Oversaw 10 employees through evaluations, scheduling and training.
- Managed logistics procedures, day-to-day workflow and employee performance to increase efficiency by 15%.
- Oversaw and monitored the availability of stock products.
- Conducted research on logistics operations, including literature reviews, interviews and site visits.
- Handled all departmental scheduling to maintain proper staffing for all shifts.
- Led and managed projects to support logistics efforts and plans.
- Identified opportunities to reduce cost and improve productivity.
Education
Bachelor of Science - Business Marketing
University Of Arkansas At Little Rock
Little Rock, ARSkills
- Customer service
- Microsoft Office expertise
- System implementation
- Technologically savvy
- Cross-functional collaboration
- Conflict mediation
- Senior leadership support
- Business development understanding
- Customer relations
- Employee coaching
- Project management abilities
- Self motivated
- Mathematical analysis
Certification
NAMU Master Mortgage Underwriter certification in advanced underwriting, FHA/VA underwriting, due diligence, calculating income, DTI & LTV workshop, appraisal review, and tax return analysis.
Awards and Recognition
2015 Ally Leading the Way Award
I received this prestigious award Oct.2015. It is presented to performers that achieve high level results and exemplifying the company lead core values on a daily basis.
Timeline
Commercial Service Group Underwriter
Ally Financial Inc.
10.2021 - Current
Senior Representative Customer Solutions
Ally Financial Inc.
08.2008 - Current
Logistics Supervisor
Target
07.2001 - 08.2008
Bachelor of Science - Business Marketing
University Of Arkansas At Little Rock