Leanne Garner
Roanoke,TX
Summary
Multi-talented Credit/Risk professional with 15+ years' experience evaluating risk, identifying opportunities, and recommending solutions that support company goals. Eager to take on a new professional challenge utilizing strong analytical and problem-solving skills to assess credit worthiness while managing risk.
Overview
8
8
years of professional experience
Work History
Credit Manager
Santander
09.2021 - 12.2023
- Managed Pacific Region Team of 18 Credit Analyst in their day-to-day performance and administered feedback when applicable
- Managed time keeping and reporting
- Collaborated with upper management to evaluate new credit strategies to develop improvements
- Handled escalations from credit specialist on originations that exceed multiple (2 or more) Policy Limits.
Sr. Commercial Credit Analyst
Santander
Dallas, TX
08.2020 - 09.2021
- Reviews and analyzes credit information as well as risk analysis on commercial auto loan requests and Leases
- Handled escalations from credit specialist on originations that exceed multiple (2 or more) Policy Limits
- Fosters relationships with sales, funding, and credit risk management, and DRM's to align regional focus, to build strength, and loan closing
- Meets monthly application and funding volume goals within assigned portfolio
- Continuously monitor client financials/information to ensure performance, review risk, and prepare customer rating and financial statement analysis
- Follows up with dealers on pending contracts.
EXECUTIVE OFFICE MANAGER
Santander
04.2019 - 08.2020
- Carries out supervisory responsibilities in accordance with Santander's policies and applicable laws to include monitoring agents' daily performance, stats, service levels, call quality, attendance, & call quality, and administers disciplinary action, etc., as needed
- Responsible for strategic guidance, development and evaluation of employees
- Develops and fosters internal relationships to quickly resolve escalated and unresolved customer issues and conflicts
- Possesses executive authority level in all areas of Customer Advocacy to render & carry out resolutions.
Underwriter/Sr. Credit Specialist
Santander
10.2016 - 04.2019
- Handles escalated app/calls from credit specialist and assigned escalations from managers (CARS and Credit)
- Foster relationships with sales and funding to align regional focus, identify dealer growth opportunities, and build relationship strength
- Participates in special projects and tasks as assigned
- Mentor credit specialist on policy, procedures, and process changes
- Assist in assigning queue coverage and daily monitoring of reports to ensure SLAs are met.
Credit Specialist/Dealer Development
Santander
02.2016 - 10.2016
- Render competent credit-based decisions that mitigate risk and maximize profitability while conforming to overall portfolio performance review standards
- Builds relationships at Dealership level to increase closure rate
- Conducts follow up with dealers on pending contracts
- Ensures credit decisions conform to credit guidelines regulatory expectations
- Makes decisions on credit applications quickly and accurately based on internal lending guidelines.
Skills
- Effective communication
- Relationship Management
- Credit reports
- Performance monitoring
- Risk mitigation
- Data management
- Compliance Assessments
- High Risk Account Reviews
- Credit Underwriting
- Client Relationship Management
Timeline
Credit Manager
Santander
09.2021 - 12.2023
Sr. Commercial Credit Analyst
Santander
08.2020 - 09.2021
EXECUTIVE OFFICE MANAGER
Santander
04.2019 - 08.2020
Underwriter/Sr. Credit Specialist
Santander
10.2016 - 04.2019
Credit Specialist/Dealer Development
Santander
02.2016 - 10.2016