GARRICK WIBLE

Conducted 90+ annual branch examinations as part of a seven person auditor team. Ensured company compliance across lending branches nationwide within a detailed review program. Determined compliance deficiencies during examinations and prepared and delivered reports with compliance exceptions to field management. Subject matter expert for coaching and mentoring branch teams in compliance policies

• Recognized by branch teams and management for positive, quality, and accurate service and support through company 'Shine On' program
• Selected and reviewed retail, auto, and mortgage loans to ensure compliance with underwriting company guidelines and adherence to Fair Lending policies and repayment risk
• Reviewed, graded and provided feedback on other auditor's examinations. Guided and coached peers to avoid common errors ensuring greater department uniformity and consistency
• Streamlined branch audit program by eliminating irrelevant procedures for greater focus on recent policy updates and allowing for greater emphasis on reviewing recent policy changes during examination
• Launched and successfully executed company's first hybrid examination/investigation which resulted in illegal findings and corrective actions for branch
• Investigated and consulted with audit manager about fraudulent activities discovered during examinations involving return check procedures and misrepresentation of delinquency and credit reporting status of customer accounts
• Aided in investigation of branch team members falsifying applicant email addresses in order to sell certain optional products
• Identified compliance deficiencies and communicated additional training to avoid repeat audit findings. Enhanced branch compliance skills through one on one coaching on policies and procedures resulting in improved audit scores
• Implemented training program for new auditors in compliance department, reducing audit time and enabling new auditors to become productive more quickly
• Singled out by field management for positive quality and accurate service and support while conducting audits throughout branch network.

Selected for an extended assignment with Internal Investigations responsible for identifying risks in the branch network as well as interviewing branch team members and OneMain customers for information and corroboration.

• Completed comprehensive in person interviews with both customers and employees resulting in documentation and generation of reports to record investigative findings and sent to all levels of management
• Detected forged signatures on checks and other servicing documents as well as falsified odometer readings to obtain higher values
• Discovered on multiple occasions branch team members posting funds to customer accounts to manipulate branch delinquency

Managed on average a $12 million portfolio branch with a five person staff in areas of loan origination, servicing, & collections

Led growth in retail, auto, & mortgage loans while mitigating losses through loan restructures

• Demonstrated ability to take on challenging branches
• Restored & revitalized various branches by controlling delinquency, making sound loan decisions, lowering expenses, and growing the branches
• Recognized for receiving exceptional company audit reviews
• Exceeded sales goals by integrating effective staff coaching of company's products
• Developed new hires as well as seasoned employees on company policies through daily individual training sessions.
• Reduced employee turnover by fostering a positive work environment and offering competitive compensation packages.

• Collaborated with branch manager to develop strategic plans for business growth and improvement.
• Mentored junior staff members in their professional development by offering guidance/support in their assigned roles.
• Oversaw daily cash reconciliations, ensuring accurate financial reporting and minimizing discrepancies.