LISA BOHN

• Assessed creditworthiness by analyzing an applicant's financial health, reviewing credit reports, and financial statements.
• Made credit decisions based on company criteria.
• I made a point of service calls to capture business.
• Managed existing portfolios and monitored for first payment defaults and early payment defaults.
• Mentored junior associates for roles in the credit department.

• Assessed loan applicants' creditworthiness by reviewing credit bureau reports and analyzing financial information.
• Made credit decisions in accordance with underwriting guidelines to ensure sound loan approvals and denials.
• Ensured compliance with federal and state regulations regarding consumer lending and documentation.
• Verified loan documents for accuracy and regulatory adherence.
• Managed loan portfolio, monitoring performance to mitigate potential risks.

• Decision applications by placing emphasis on response time, quantity of applications processed, and quality of applications approved.
• Structure approvals and handle rehashes to maximize profits and enhance dealer relationships.
• Maintain and establish dealer relationships and educate and train dealerships on YMFUS programs and policies.
• Initiate sales calls to capture applications and where appropriate, prepare written follow-up. Provide prompt accurate response to all internal and external customer inquiries.
• Review and calculate income documentation and perform verification calls on employment and consumers.
• Participate in loan origination software program testing, for development and improvements.
• Perform related duties as needed.

• Analyzed information received from credit applications and credit reporting agencies to make quality credit decisions
• Negotiated terms and conditions of loan decisions with dealers within established approval/exception guidelines, leveraging risk versus reward, to ensure credit quality and profitability
• Made exceptions to normal guidelines when warranted
• Conducted customer interviews and investigations on non-prime credit applications
• Documented information on decisions
• Gathered, calculated financial statements
• Monitored dealer productivity and conducted follow-up on pending contracts to increase capture and conversion ratios
• Established dealer relationships by building rapport through telephone and outside field calls
• Developed and analyzed credit goals and communicated strategies to dealers to accomplish said goals
• Coordinated with the Operations Department to examine and evaluate proper documentation for funding
• Partnered with the Collections Department to resolve dealer collection issues
• Actively participated in regularly scheduled staff meeting to communicate/share trends, Policy and Procedure, goals, updates and other pertinent information with team members and managers
• Monitored and maintained compliance with internal controls and government regulations.
• Presented key information to upper management and executive team for loan recommendations.

· Analyzed applicant profiles, credit applications and credit history to make sound credit decisions

· Negotiated terms and conditions of loans

· Approved, declined or counter-offered loans up to $80,000

· Conducted customer interviews and investigations on prime/non-prime credit to assist in making informed decisions

Maintained dealer relationships and sales relationships

· Analyzed credit applications in both direct/indirect lending

· Maintained relationships with Aggregator businesses

· Successfully led team of direct lending consumer loan underwriters promoting positive environment and instilling model of hard work to exceed performance goals

· Ensured department maintained consistent credit practices, decision quality and consistency

· Conducted internal deal reviews/audits

· Served as Subject Matter Expert (SME) on credit fundamentals and critical thinking skills related to underwriting decisions

· Recruited, interviewed, hired and trained employees and implemented mentoring program to promote positive feedback and engagement

· Cultivated relationships with automotive dealerships and inside partners

Established and enforced internal controls, workflows and policies for tracking, reconciling and reporting on underwriting activities

Handled Office of the President escalated issues

· Utilized strong communication and interpersonal skills to prospect and call potential clients and maintain client base

· Improved understanding of financial statements by training new clients on programs

· Monitor application flow, look-to-book, funding

· Initiate and rebuild dormant territories

· Mentor new business development representatives

· Evaluated customer credit data to determine level of risk involved

· Made decisions based on credit worthiness and assist dealer in structuring applications to fit criteria

Strengthen Dealer relationships by working in tandem to negotiate payments and verify consumers.