Edith Estrada Cortés
Prosper,TX
Summary
As a business professional with a solid foundation and expertise in automotive financial operations, seeking the position of Area Sales Manager, Southern Region to support the dealers in the territory while developing and growing the Audi brand's presence.
Overview
20
20
years of professional experience
Work History
Senior Credit Officer
JPMorgan Chase
06.2023 - Current
- Manage portfolio of approximately $500 million in commercial loan commitments for a network of franchised dealerships
- Responsible for preparing credit reviews, perform credit analysis, identify risks and mitigants of existing and prospecting clients' commercial loans
- Provide comprehensive risk ratings for obligor and facilities, including documented justification for the assigned final risk grade
- Oversee inventory audits results and covenant testing; address breaches and escalate to sales, management, and Legal.
- Prepare and report monthly on Early Warning and Watchlist clients
- Coach and mentor analysts and junior Credit Officers
Audi Business Development Manager
Volkswagen Credit, Inc.
11.2020 - 06.2023
- Managed Audi Financial Services (AFS) relationship with 19 franchise dealers across Texas and Oklahoma
- Served as the primary point of contact between the corporate office and the dealer organization
- Promoted products and programs to increase sales and portfolio penetration
- Coached dealership personnel on AFS's policies and procedures
- Monitored financial performance of wholesale accounts
- Addressed issues with payments, inventory discrepancies, and floorplan audit results
- Resolved escalated issues related to customer experience and end of term
- Partnered with brand to promote marketing programs, build loyalty, and promote growth and retention in the district
Commercial Credit Analyst
Volkswagen Credit, Inc.
05.2017 - 11.2020
- Performed credit analysis, assessed risks, and interpreted financial data to underwrite commercial credit packages
- Coordinated wholesale takeovers to ensure all contingencies were in place and VCI was properly secured
- Subject Matter Expert for dealers and BDMs regarding dealership performance, underwriting, and takeovers
- Maintained a 65% closing rate while exceeding average turn time target by 73%
- Developed the Underwriting Workflow Process Handbook in collaboration with the UW team
- Collaborated with Underwriting and VCI Academy to develop the Basic Accounting training class
- Managed a portfolio of forty-six dealerships in the Midwest and South-Central Regions
Region Audit Specialist
Volkswagen Credit, Inc.
10.2015 - 05.2020
- Monitored the South-Central Region wholesale portfolio by overseeing inventory audits
- Resolved inventory discrepancies, provided recommendations on audit results, and monitored action plans
- Assisted dealership's personnel with flooring requests and addressed billing inquiries
- Delivered audit results to BDMs and dealership personnel across six districts
- Managed relationships with ninety-one dealerships in the region
Credit Buyer
Volkswagen Credit, Inc.
03.2015 - 09.2015
- Analyzed and evaluated individual credit applications following VCI financing guidelines using Fair Isaac model
- Delivered credit decisions to dealership personnel while strengthening relationships
- Negotiated with dealership personnel and sought exceptions based on application's merit
- Requested and reviewed necessary documents to resolve red flags, prevent identity theft and fraud
Audi Customer Care Supervisor
Volkswagen Credit, Inc.
11.2012 - 02.2015
- Led and managed a team of Customer Care Representatives and Advocates
- Responsible for the recruitment and hiring of Customer Service Representatives
- Coached, trained, and developed representatives to succeed in their role and advance their careers
- Collaborated with other business units and vendors to ensure proper day-to-day operations
Customer Care Quality Assistant
Volkswagen Credit, Inc.
07.2011 - 11.2012
- Researched, resolved, and responded to written and over the phone customer complaints in a timely manner
- Resolved escalated calls from Customer Care Representatives and Advocates while strengthening customer relationships and promoting customer retention and satisfaction
- Primary liaison with other internal departments and across service centers to communicate and maintain consistent processes and policies when resolving customer's issues
Asset Resolution Analyst
Volkswagen Credit, Inc.
10.2007 - 07.2011
- Coordinated and resolved issues involving repossessed vehicles with vendors, logistics, and internal departments
- Reviewed valuations, vehicle invoices, contracts, and package options for discrepancies on insurance settlements
- Managed impound portfolio of approximately five hundred impound notices per month, and worked on fast resolution to minimize financial exposure
Collections Analyst
Volkswagen Credit, Inc.
05.2006 - 10.2007
- Managed portfolio of delinquent accounts to resolve delinquent and at-risk accounts
- Mitigated losses by minimizing repossession and charge-off recommendations
- Monitored assigned portfolio for early default accounts and fraud identification
Customer Care Representative
Volkswagen Credit, Inc.
02.2005 - 05.2006
- Answered customer telephone inquiries thoroughly, accurately, and effectively regarding the contractual obligations of their lease or financed vehicle while providing exceptional customer service
Education
Master of Business Administration -
Marylhurst University
Marylhurst, ORSkills
- Knowledge of the local market and territory
- Building and nurturing relationships
- Conflict resolution and negotiation
- Collaborative mindset
- Automotive operations
- Financial services
- Portfolio and territory management
- Coaching and training
- Risk management
- Commercial lending
Languages
Spanish
Native or Bilingual
Timeline
Senior Credit Officer
JPMorgan Chase
06.2023 - Current
Audi Business Development Manager
Volkswagen Credit, Inc.
11.2020 - 06.2023
Commercial Credit Analyst
Volkswagen Credit, Inc.
05.2017 - 11.2020
Region Audit Specialist
Volkswagen Credit, Inc.
10.2015 - 05.2020
Credit Buyer
Volkswagen Credit, Inc.
03.2015 - 09.2015
Audi Customer Care Supervisor
Volkswagen Credit, Inc.
11.2012 - 02.2015
Customer Care Quality Assistant
Volkswagen Credit, Inc.
07.2011 - 11.2012
Asset Resolution Analyst
Volkswagen Credit, Inc.
10.2007 - 07.2011
Collections Analyst
Volkswagen Credit, Inc.
05.2006 - 10.2007
Customer Care Representative
Volkswagen Credit, Inc.
02.2005 - 05.2006
Master of Business Administration -
Marylhurst University
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