Karyn Phillips
Kenosha,WI
Summary
Versatile professional with expertise in risk management and a deep understanding of the financial services industry, specializing in credit underwriting, customer service, and sales management. Committed to excellence in evaluating loan applications, supporting dealers and customers, and leading sales strategies across large territories. Recognized for strong problem-solving skills, exceptional client relations, swift execution, and the ability to foster lasting relationships.
Overview
25
25
years of professional experience
Work History
Senior Credit Underwriter
CNH Capital
03.2011 - Current
- Responsible for evaluating and decisioning loan, lease, and revolving account applications for the CNH family of brands in agricultural and construction equipment.
- Approval authority up to $2MM, ensuring compliance with company policies and regulatory requirements.
Customer Service Representative
CNH Capital
11.2008 - 03.2011
- Primary responsibility involved supporting customers who financed or leased equipment through company services, addressing inquiries about account details such as loan or lease terms, payment schedules, and account balances.
Retail Note Processing Supervisor
CNH Capital
03.2008 - 11.2008
- Supervisory, Contract Processing. Work with dealers, underwriting, sales and call center agents to process loan paperwork.
Dealer Service Specialist
CNH Capital
01.2006 - 03.2008
- Supported the relationship between CNH Capital and its network of equipment dealers by serving as the primary point of contact for dealers. Assisted with inquiries related to financing, leasing, and credit services, including system navigation, application processing, and issue resolution
Area Sales Manager
CNH Capital
08.2003 - 01.2006
- Responsible for driving sales and managing relationships within the assigned region. Developed tailored sales strategies, built strong connections with equipment dealers, and engaged directly with customers to promote financial products. Traveled within the territory to strengthen dealer relationships, gain end-user field experience, and promote sales.
Collections Specialist
CNH Capital
01.2000 - 08.2003
- Managed a daily portfolio of 200+ in-house loans for equipment financed through CNH Capital. Provided comprehensive service from loan inception to closure, including payment collection, processing extensions, due date changes, payment reschedules, initiating repossessions, and preparing accounts for legal action.
Education
Bachelor of Arts -
University of Wisconsin-Whitewater
Whitewater, WI01.1993
Skills
- Credit Underwriting Credit Risk Decision-Making Compliance and Documentation Analytical Skills
- Strong Communication Customer-Focused Service Skilled Multi-tasker Complex Systems
- Supervisory Skills Funding Applications Team Management
- Dealer Relationships Product Knowledge Problem Solving
- Debt Collection Negotiation
Timeline
Senior Credit Underwriter
CNH Capital
03.2011 - Current
Customer Service Representative
CNH Capital
11.2008 - 03.2011
Retail Note Processing Supervisor
CNH Capital
03.2008 - 11.2008
Dealer Service Specialist
CNH Capital
01.2006 - 03.2008
Area Sales Manager
CNH Capital
08.2003 - 01.2006
Collections Specialist
CNH Capital
01.2000 - 08.2003
Bachelor of Arts -
University of Wisconsin-Whitewater
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