Marita Nichols
Atlanta,GA
Summary
Hardworking Leadership Team Member bringing great personnel management and motivational abilities. Helps drive team growth and enhance results through hands-on, proactive oversight of daily operations. Always ready to help personnel and managers achieve shared goals.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Lead, Credit Maintenance
Carmax Auto Finance
Kennesaw, GA
11.2017 - Current
- Delegated daily tasks to team members to optimize group productivity.
- Monitored team progress and enforced deadlines.
- Collaborated with management team to implement new work procedures or policies.
- Fostered positive employee relationships through communication, training and development coaching.
- Documented production levels and materials used to keep management informed.
- Helped mitigate and resolve data issues by analyzing situation and implementing appropriate solutions.
- Completed daily quality assurance duties to provide feedback for improvements.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Demonstrated leadership by making improvements to work processes and helping to train others.
- Examined financial statements, written documents and audio files that could be used as evidence for fraud cases.
- Discovered fraud ring after conducting 1 month investigation to recover vehicle assets valued at over $250k.
- Conducted reviews of flagged transactions and reports that showed potential suspicious activity.
Youth Mentor Volunteer
Volunteer Work
Atlanta, GA
01.2009 - Current
- Used calm, positive and encouraging approach with youth.
- Modeled positive behavior for residents by providing leadership and positive interactions.
- Documented child progress, reporting extreme changes in behavior.
- Offered support and assistance to community members.
- Assisted with and organized programs, events, and activities to drive outreach initiatives.
- Helped organize and implement programs and projects to aid community and individuals.
- Helped with prep, set up, and breakdown of community and public events.
Lead, Titles Department
Carmax Auto Finance
Kennesaw, GA
11.2014 - 11.2017
- Delegated daily tasks to team members to optimize group productivity.
- Organized and prioritized incoming work orders and optimized team workflows and resources to handle dynamic demands.
- Fostered positive employee relationships through communication, training and development coaching.
- Followed staffing strategies to achieve production goals.
- Supervised team members in completion of tasks, ensuring quality standards were met.
- Created and maintained a system to track progress of department projects.
- Analyzed data to identify areas for improvement in processes or procedures.
- Resolved conflicts between team members or departments as needed.
Account Rep II, Skip Department
Carmax Auto Finance
Kennesaw, GA
03.2014 - 11.2014
- Maintained daily communication with repo agents.
- Used internet databases and phone tools in order to locate customers.
- Used advanced skip tracing tools to locate customers.
- Performed in-depth people and vehicle location searches.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Demonstrated leadership by making improvements to work processes and helping to train others.
- Prioritized and organized tasks to efficiently accomplish service goals.
Account Rep II, Late Collections
Carmax Auto Finance
Atlanta, GA
09.2008 - 03.2014
- Reasoned with customers and attempted to negotiate full balance payments.
- Advised debtors on payment options and set up payment plans.
- Handled irate customers smoothly to achieve performance targets.
- Notified customers of delinquent accounts with attempt to collect outstanding amounts.
- Arranged for debt repayment and established repayment schedule based on customer finances.
- Negotiated credit extensions to assist customers in paying overdue accounts.
Youth For Christ President, Local
Rock Stone Way of the Cross Church
Stone Mountain, GA
07.2007 - 12.2012
- Led discussions and facilitated games and activities to demonstrate values and morality.
- Mentored, instructed and supervised participating youths through collaborative efforts with like-minded, creative and inspirational team members.
- Organized and participated in fundraisers to financially support youth program.
- Coordinated and led meetings to provide opportunities for youth to discuss various aspects of lives in safe, supportive environment.
- Supported older youth in making positive behavior choices and took appropriate disciplinary measures.
- Organized various outings and activities to promote Christian fellowship.
- Provided homework assistance, academic enrichment and physical activity by following curriculum and materials.
- Educated youth on biblical values-based curriculum in youth and young adult settings.
- Engaged older youth by following, implementing and assisting in creating lesson plans.
- Supported student ministries by teaching about Bible stories and linking themes to current events.
Mortgage Underwriter
AIG
, GA
01.2000 - 09.2008
- Analyzed loan risk and reviewed loan conditions and requirements.
- Maintained compliance with company and regulatory policies.
- Evaluated loans against portfolio and investor guidelines.
- Determined loan eligibility and approved or rejected applications.
- Collaborated with loan originators and processors to correctly review and assess applications and risks.
- Stayed abreast of lending regulations, industry trends and market rates.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Due Diligence Analyst
HSBC Finance Corporation
Chicago, IL
07.1997 - 12.2000
- Assisted with analysis and data gathering in support of risk assessment.
- Kept senior management informed of project statuses.
- Organized and maintained all files related to regulatory actions.
- Monitored regulatory change required by new and revised laws and regulations, communicating complex protocols and determining operational impacts.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Demonstrated leadership by making improvements to work processes and helping to train others.
- Prioritized and organized tasks to efficiently accomplish service goals.
Education
Bachelor of Arts - Modern Language & Culture: Spanish
Kennesaw State University
Kennesaw, GA05.2014
Skills
- Decision Making
- Change Implementation
- Staff Training
- Leadership
- Relationship Building
- Policy Development
- Strategic Thinking
- Performance Monitoring
Certification
- Competent Communicator, Toastmaster - 2014
- Building for Success, Carmax Auto Finance- 2022
- Carmax Champion of The Quarter Nominee (identifying a fraud ring)
Timeline
Lead, Credit Maintenance
Carmax Auto Finance
11.2017 - Current
Lead, Titles Department
Carmax Auto Finance
11.2014 - 11.2017
Account Rep II, Skip Department
Carmax Auto Finance
03.2014 - 11.2014
Youth Mentor Volunteer
Volunteer Work
01.2009 - Current
Account Rep II, Late Collections
Carmax Auto Finance
09.2008 - 03.2014
Youth For Christ President, Local
Rock Stone Way of the Cross Church
07.2007 - 12.2012
Mortgage Underwriter
AIG
01.2000 - 09.2008
Due Diligence Analyst
HSBC Finance Corporation
07.1997 - 12.2000
Bachelor of Arts - Modern Language & Culture: Spanish
Kennesaw State University
- Competent Communicator, Toastmaster - 2014
- Building for Success, Carmax Auto Finance- 2022
- Carmax Champion of The Quarter Nominee (identifying a fraud ring)
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