Cindy Navarro
Placentia,CA
Summary
Dynamic Consumer Loan Underwriter III at Wells Fargo Dealer Services with a proven track record in enhancing dealer relationships and achieving team goals. Bilingual and highly organized, I excel in identifying customer needs and leveraging credit analysis skills to drive successful loan approvals. Committed to delivering results in fast-paced environments.
Overview
14
14
years of professional experience
Work History
Consumer Loan Underwriter III
Wells Fargo Dealer Services
Cypress, CA
05.2012 - 04.2023
- Responsible for full spectrum lending across the nation
- Maintained relationship with sales representative for a regional territory to successfully accomplish our team goals.
- Established and improved dealer relationships for a portfolio
- Handled negotiations with Finance directors and Managers
- Collaborated with funding, sales, and collections departments on a day-to-day basis
- Worked in tandem with credit to ensure that monthly volume, mix, conversion ratios and goals met
- Reviewed loan applications to determine creditworthiness of applicants and analyzed financial information such as income, assets, liabilities, and credit history.
- Carefully reviewed credit bureau patterns and obtained documents to make independent and judgmental approvals.
Loan Service Counselor: Stage 3 Collector
Wells Fargo Dealer Services
Cypress, CA
12.2008 - 04.2012
- Managed accounts that are 5-120 days past due
- Educated customers on their loans and credit reports
- Maintained office and company delinquency standards
- Assisted in directing office and company charge off standards
- Displayed the ability to understand when an account needs to be secured and when to continue working to mitigate the account.
Education
High School -
Anaheim High School
06.2004
Skills
- Customer needs identification
- Self-motivation
- Team collaboration
- Organizational skills
- Microsoft Office Suite proficiency
- DMS expertise
- AFS knowledge
- Credit bureau familiarity
- Lexis Nexis usage
- Salesforce experience
- Workday proficiency
- Skype communication
- Microsoft Teams
- Remote work capability
- Bilingual (English and Spanish)
- Credit analysis skills
- Risk assessment expertise
- Customer service excellence
- Regulatory compliance knowledge
- Negotiation proficiency
- Problem-solving skills
- Relationship management expertise
- Loan documentation skills
- Credit scoring models
Career Break April 2023
Focus on family responsibilities and personal development.
Timeline
Consumer Loan Underwriter III
Wells Fargo Dealer Services
05.2012 - 04.2023
Loan Service Counselor: Stage 3 Collector
Wells Fargo Dealer Services
12.2008 - 04.2012
High School -
Anaheim High School