Ladd Rawls
Spring Hill,TN
Summary
Senior Credit Analyst with over 25 years of experience in the lending industry, specializing in indirect auto and commercial lending. Proven track record of delivering exceptional results through a focus on quality, performance and comprehensive knowledge of all aspects of lending. Seeking to leverage extensive experience and intensive training in compliance and regulations to drive success in a Senior Credit leadership role.
Overview
22
22
years of professional experience
Work History
Senior Credit Analyst
Pace Financial LLC
01.2019 - Current
- Responsible for Sub-Prime lending over a six-state market
- Led credit analysis team in evaluating and underwriting indirect auto loans, ensuring adherence to lending policies, procedures, and regulatory requirements
- Demonstrated expertise in assessing credit worthiness, mitigating risk, and optimizing loan structures to maximize profitability and minimize losses
- Implemented processes resulting in audits within full compliance ratings within the organization.
Consumer Loan Underwriter IV
Wells Fargo Dealer Services
01.2013 - 01.2019
- Training and coaching of credit underwriters
- Negotiated terms and conditions of credit decisions with dealers, leveraging risk versus reward to ensure credit quality and profitability
- Developed relationships with internal and external customers to establish rapport and deliver superior customer service
- Achieved top performer status consistently, surpassing loan production targets and driving revenue growth
- Concurs on loan decisions recommended by credit analysts with lessor credit authority
- Mitigate risk through detection of fraud, auditing and monitoring of dealer trends, sharing with partners
- Work with Credit Manager to build a strong credit team and to create an atmosphere of superior customer service and teamwork.
Credit Analyst II - III
Wells Fargo Dealer Services
01.2008 - 01.2013
- Underwrite and negotiate decisions while balancing portfolio performance
- Develop and maintain dealer relationships in my assigned territory as well as all markets
- Perform regular reviews of extended term on non-prime loans, potential DCI losses and non-prime interview waivers
- Awarded Level 7 approval authority after 12 months.
Dealer Services Commercial Underwriter
Ford Motor Credit Company
01.2002 - 01.2007
- Underwrite and analyzed Commercial Lines of Credit ranging from $350k to $2 million
- Underwrite single to multiple truck loans to include specialized upfits ranging from $20k to $150k
- Allocated and analyzed key variables to the Trac Lease product
- Analyzed lease to retail purchase
- Set variables according to risk, branch guidelines and retail rating by persuading retail customers to lease
- Completed a GAP Commercial Black Belt project
- Collected data, created charts, identified key metric variables to allow dealers to sell GAP insurance on commercial trucks.
Education
Skills
- Financial statements expertise
- Underwriting
- Verbal and written communication
- Training and mentoring
- Credit analysis
- Commercial credit reports
- Reporting capabilities
- Credit risk review
- Data Analysis
- Collateral Valuation
- Credit Scoring Models
- Time Management
References
References available upon request.
Timeline
Senior Credit Analyst
Pace Financial LLC
01.2019 - Current
Consumer Loan Underwriter IV
Wells Fargo Dealer Services
01.2013 - 01.2019
Credit Analyst II - III
Wells Fargo Dealer Services
01.2008 - 01.2013
Dealer Services Commercial Underwriter
Ford Motor Credit Company
01.2002 - 01.2007