Gerard McElhiney
Gilbert,AZ
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
32
32
years of professional experience
Work History
Associate Lending Manager
Wells Fargo Auto
07.2019 - 06.2023
- Relocated to Chandler Arizona as an Associate Lending Manager in the new hub
- Established internal audit procedures to validate and improve accuracy of financial reporting and to monitor and measure direct reports.
- Complied with established internal controls and policies.
- Supervised team of 10 loan officers, promoting positive environment and instilling model of hard work, dedication and teamwork.
- Lead as a change leader through varying economic conditions.
- Cultivated relationships with automotive dealerships by making sales calls.
- Trained newly hired employees to provide information regarding processes, procedures and deadlines.
- Reviewed auto loans requests over $100k.
Lending Manager 2
Wells Fargo Auto
01.2006 - 07.2019
- Responsible for monthly and annual performance reviews and creating development plans with each credit team member to assist development
- Integral in supporting sales department leading to best Wells Fargo Auto market share in Prime, Non-prime and Core loans 4 consecutive years 2013 - 2016
- Consistently met or exceeded all company set metrics annually following guidelines based on balancing net spread, volume, and quality for acceptable overall risk exposure
- My Team was recognized companywide for “Best in Credit” in 2007-2008 for achieving high success during the recession for volume and strong performance of loans booked
- Cross trained in sales by assuming the role of Regional Business Development Manager for the month of February 2010 covering the Santa Rosa and Sacramento offices
- President’s Club Award Winner 2011 in Leadership
- Oversaw a transition from in office to a remote environment in March 2018 and assumed management of the Pleasanton underwriters adding 6 new employees increasing to a total of 8 are reporting to me at that time
- Conducted weekly one-on-one meetings with employees to provide performance evaluations, resolve issues and answer questions.
- Lead team charged with consumer lending compliance and risk evaluation
Tasting Room Associate
Truett Hurst Winery
01.2016 - 07.2019
- I worked part time as needed during busy weekends and wine club parties
- Provided informed wine suggestions to tasting room guests.
- Engaged in friendly conversation with the customer to better uncover individual needs.
- Greeted tasting room visitors and answered questions with upbeat attitude and professionalism.
Senior Credit Analyst
Wells Fargo Auto
05.2000 - 12.2005
- Promoted to Senior Credit Analyst in 2003 with additional responsibilities of assisting the Credit Manager in running the department, working with the sales team and creating monthly strategies.
- Reviewed higher dollar loan requests and concurred on loans for lower level underwriters.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Assisted 3 offices (La Palma, Irvine, and Kansas City) in 2005 by mentoring and managing offices without a credit manager for periods of time.
- Awarded The Phoenix office’s Core Value Associate of the Year in 2003.
Credit Analyst
Toyota Financial Services
01.1996 - 01.2000
- Analyzed loan applications submitted from Toyota dealers on retail and lease credit, for both personal and business vehicles
- Responsible for making decisions in 30 minutes or less
- Additional responsibilities included supervising multiple loan processors and the training of new analysts as well as being involved with the employee review process
- Relocated with TFS from Massachusetts to Arizona in late 1996.
Auto Loan Collector
Toyota Financial Services
01.1991 - 01.1996
- Responsible for the collection and resolution of delinquent auto loans and leases
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Promoted in 1994 to Senior Collector with added duties of assisting the Collections manager and supervising a team of 8 collectors
- Responsibilities included writing employee reviews of the collection staff.
- Notified co-signers of delinquent accounts to assist in collecting payments.
Education
Bachelor of Science - Industrial Technology
University Massachusetts At Lowell
Lowell, MA05.1988
Skills
- Analytical Thinking
- Decision Making
- Sales Support
- Attention to Detail
- Customer Service
- Organizational Skills
- Risk Management
- Time Management
- Critical Thinking
- Flexible and Adaptable
Timeline
Associate Lending Manager
Wells Fargo Auto
07.2019 - 06.2023
Tasting Room Associate
Truett Hurst Winery
01.2016 - 07.2019
Lending Manager 2
Wells Fargo Auto
01.2006 - 07.2019
Senior Credit Analyst
Wells Fargo Auto
05.2000 - 12.2005
Credit Analyst
Toyota Financial Services
01.1996 - 01.2000
Auto Loan Collector
Toyota Financial Services
01.1991 - 01.1996
Bachelor of Science - Industrial Technology
University Massachusetts At Lowell
Hobbies
Hiking, travelling, golfing and slow cooking on a smoker grill
Hobbies
Hiking, travelling, Barbecuing on a smoker grill
Hobbies
Hiking, travelling, Barbecuing on a smoker grill
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