JADESSA RANDALL
Fate
Summary
Credit and Underwriting Professional with 10+ years of experience in automotive finance, consumer lending, credit risk assessment, and portfolio management. Proven expertise in evaluating complex credit applications, mitigating risk exposure, negotiating loan structures, and ensuring compliance with federal lending regulations including ECOA and Fair Lending requirements. Strong analytical and decision-making skills with a demonstrated ability to balance risk, profitability, and customer experience while managing high-volume loan portfolios. Recognized for building strong dealer relationships and contributing to business growth through sound credit strategies.
Overview
12
12
years of professional experience
Work History
Consumer Credit Analyst
NISSAN MOTOR ACCEPTANCE CORPORATION
03.2021 - Current
- Analyze and evaluate consumer credit applications to determine creditworthiness and risk exposure while maintaining compliance with federal lending regulations.
- Make informed credit decisions by reviewing credit bureau reports, income documentation, debt obligations, and overall financial profiles.
- Structure loan approvals, counteroffers, and stipulations that balance risk mitigation with portfolio growth objectives.
- Negotiate financing terms directly with dealership partners to maximize approval opportunities while maintaining acceptable risk thresholds.
- Manage a dealer portfolio and monitor profitability drivers, penetration levels, and credit performance metrics.
- Support company growth initiatives through strategic credit decisions aligned with organizational objectives.
- Consistently maintain high productivity and accuracy standards in a fast-paced underwriting environment.
Consumer Loan Underwriter
HYUNDAI CAPITAL AMERICA
06.2018 - 03.2021
- Evaluated consumer loan applications and performed detailed credit analysis to assess repayment capacity and risk.
- Applied underwriting guidelines and federal regulations to make sound credit decisions and maintain compliance standards.
- Negotiated loan structures and financing terms with dealer partners to achieve mutually beneficial outcomes.
- Conducted customer interviews, investigations, and verification reviews to support underwriting and funding decisions.
- Managed dealer relationships and collaborated with Sales, Funding, Collections, and Customer Service teams to improve service delivery and issue resolution.
- Assisted in identifying potential fraud risks and documentation discrepancies prior to loan funding.
Funder
HYUNDAI CAPITAL AMERICA
04.2015 - 06.2018
- Reviewed funded loan packages for accuracy, completeness, and compliance with company and regulatory requirements.
- Performed employment, residence, landlord, and income verification to validate applicant information and identify inconsistencies.
- Partnered with underwriting teams to resolve documentation deficiencies and facilitate timely funding decisions.
- Maintained quality control standards while managing a high-volume funding pipeline.
Customer Service Representative
HYUNDAI CAPITAL AMERICA
08.2014 - 04.2015
- Provided account servicing support for lease and retail customers.
- Resolved complex customer inquiries and account issues while maintaining high customer satisfaction standards.
- Documented account activity and customer interactions in CRM systems to ensure compliance and service continuity.
Education
Bachelor of Arts - Political Science, Minor: Public Policy
University of California, Los Angeles (UCLA)
Associate of Arts - Liberal Arts
San Bernardino Valley College
Skills
- Credit Analysis & Risk Assessment
- Consumer Lending & Underwriting
- Portfolio Management
- Financial Statement Review
- Loan Structuring & Term Negotiation
- Regulatory Compliance (ECOA, Fair Lending)
- Dealer Relationship Management
- Fraud Detection & Prevention
- Decision-Making & Problem Solving
- Credit Policy Interpretation
- Business Development Support
- Cross-Functional Collaboration
Timeline
Consumer Credit Analyst
NISSAN MOTOR ACCEPTANCE CORPORATION
03.2021 - Current
Consumer Loan Underwriter
HYUNDAI CAPITAL AMERICA
06.2018 - 03.2021
Funder
HYUNDAI CAPITAL AMERICA
04.2015 - 06.2018
Customer Service Representative
HYUNDAI CAPITAL AMERICA
08.2014 - 04.2015
Associate of Arts - Liberal Arts
San Bernardino Valley College
Bachelor of Arts - Political Science, Minor: Public Policy
University of California, Los Angeles (UCLA)