Charlotte F. Greene
Virginia Beach,VA
Summary
RESUME SUMMARY: Experience in Indirect Auto Lending with 26 yrs of expertise and knowledge in identifying and mitigating risks while consistently meeting and exceeding volume goals and expectations on rate. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
35
35
years of professional experience
Work History
Senior Credit Underwriter; Indirect Auto Lending
Tidewater Finance Company
05.1997 - 08.2023
- Reviewing credit applications for credit worthiness using resources from all three credit bureaus and PACER dockets while identifying risk and mitigants
- Successfully worked remotely since 2018 while maintaining and exceeding goals
- Interview customers to clarify inconsistencies, gather additional or missing information pre and post approval
- Mediating between customer and dealers regarding product issues, complaints and service issues
- Verification responsibilities including calculating pay stubs and bank statements to verify income and possible fraud
- Contacting employers to verify current and previous employments and landlords for rental references
- Regular dealer visits and cold calls to maintain relationships, review and improve look to book and solicit new clients in order to instruct on guidelines, policies and qualifications
- Followed up dealer visits and cold calls with detailed reporting on current climate on existing business, competition and potential for new business assessing ways to successfully increase portfolio
- Consistently promoted dealers with low look to book and increased denied applications to Top 10 dealer list by providing them with one on one relationship and training; dealers assigned to me by Senior Managers for that purpose.
- Implemented with Senior Managers a "pass through" program with Chevy Chase Bank to target desired credit clientele
- Chose, organized and managed staff of Underwriters and Funders for implemented "pass through" program
- Prepared and presented instructional course on company guidelines, policies and qualifications to groups of F&I Managers at Special Finance seminar hosted by the Larry Miller Dealer Group in Utah in order to solicit more business in our financing niche
- Trained and assisted new Underwriter employees regarding understanding Gold Track and APM systems, current policies and guidelines
- Originated, reviewed, processed, closed, and administered customer loan proposals
- Negotiated approval exceptions considering vehicle make/model, ATV/LTV advances and existing dealer portfolio
- Developed and maintained relationships with dealership's F&I Managers, sales staff and funders
- Maintained strict confidentiality of bank records and client information.
Credit Office Manager
Grand Furniture
10.1988 - 05.1997
- Balancing daily business and prepared deposits
- Approved line of credit up t $3k
- Interviewed customers for additional information
- Maintained computer and physical filing systems.
- Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.
- Established workflow processes, monitored daily productivity, and implemented modifications to improve overall performance of personnel.
- Coached new hires on company processes while managing employees to achieve maximum production.
- Evaluated employee records and productivity and submitted evaluation reports.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
Skills
- Effective Communications skills; written and verbal
- Detail oriented
- Marketing skills
- Conflict management and resolution
- Underwriting Support
- Credit Application Review
- Organizational Strengths
- Fraud Prevention and Detection
- Calculate Payments
- Equifax, Trans Union and Experian comprehension
- Loan Product Promotion
- Analytical and Critical Thinking
- Deep Knowledge of Bankruptcy Processes
- Customer Relationship Management
- Creative Solutions
Timeline
Senior Credit Underwriter; Indirect Auto Lending
Tidewater Finance Company
05.1997 - 08.2023
Credit Office Manager
Grand Furniture
10.1988 - 05.1997