Matthew Furtado
Indirect Auto Finance Professional
East Bridgewater,MA
Summary
Dynamic professional with a proven track record at Ally Financial, excelling in account management and relationship building. Achieved top performance metrics through strategic underwriting and effective communication, enhancing dealer partnerships. Skilled negotiator with a strong ability to drive portfolio revenue while mitigating risk, consistently delivering results in high-pressure environments.
Overview
21
21
years of professional experience
Work History
Indirect Underwriter
Ally Financial
12.2018 - Current
- Cultivated and strengthened dealer relationships through effective communication and support, enhancing mutual trust and collaboration.
- Evaluated consumer indirect auto credit applications in adherence to Ally's underwriting policies, ensuring sound decision-making.
- Executed strategic underwriting judgment to maximize portfolio revenue and mitigate risk, consistently achieving monthly RAS and origination targets.
- Monitored and enforced compliance with evolving underwriting policies to safeguard organizational integrity and profitability.
- Collaborated with cross-functional teams to drive Ally's long-term profitability and operational success.
Commercial Credit Analyst
HarborOne Bank
Brockton
07.2018 - 12.2018
- Evaluated financial statements to assess clients' credit capacities and provided comprehensive reports on their financial health.
- Underwrote credit memoranda for diverse loan requests, including commercial and residential projects.
- Prepared summaries and analyses of financial statements to support commercial lenders in decision-making.
Senior Indirect and Direct Consumer Loan Analyst
HarborOne Bank
Brockton
04.2011 - 07.2018
- Processed and underwrote consumer indirect auto and lease applications across a diverse dealer network, ensuring compliance with lending policies.
- Evaluated direct consumer loan applications from various origination channels, including branches and online platforms, to assess creditworthiness.
- Collaborated with dealer personnel to address finance and lease requests, providing clear guidance on credit applicant qualifications and vehicle specifications.
- Conducted thorough financial analyses to determine the feasibility of loan approvals, adhering to established consumer lending guidelines.
Senior Credit Analyst - Retail and Lease
GM Financial
Framingham
09.2010 - 04.2011
- Executed retail and lease credit decisions, ensuring alignment with organizational policies.
- Analyzed credit data to evaluate risk levels and inform decision-making processes.
- Oversaw internal audit procedures at the branch level, enhancing compliance and operational efficiency.
- Cultivated strong relationships with dealers to achieve volume objectives while maintaining credit quality.
Truck Driver
Furtado Freight Lines
Raynham
04.2008 - 09.2010
- Executed timely delivery of local shipments, ensuring high satisfaction among clients.
- Maintained vehicle safety and operational efficiency through regular inspections and maintenance.
- Collaborated with team members to optimize delivery routes, enhancing overall productivity.
Dealer Relationship Manager
AmeriCredit Financial Services
Braintree
08.2005 - 02.2008
- Developed strategic relationships with automotive dealers, facilitating effective cross-selling of AmeriCredit's diverse financing products.
- Ranked #1 nationwide in closure metrics, demonstrating exceptional sales effectiveness and customer engagement.
- Achieved top 5% nationwide in booked to approve metrics, reflecting strong underwriting and credit analysis skills.
- Increased business development by 35% over 2.5 years, significantly expanding dealer network and financing portfolio.
- Managed dealer relationships to meet volume objectives, ensuring quality pricing and minimizing delinquency rates.
Education
Bachelor of Arts - Criminal Justice
SUNY Plattsburgh
Plattsburgh, NYSkills
- Account Management
- Sales Strategies
- Problem Solver
- Time Management
- Relationship Building
- Skilled Negotiator
- Networking
- Teamwork
Timeline
Indirect Underwriter
Ally Financial
12.2018 - Current
Commercial Credit Analyst
HarborOne Bank
07.2018 - 12.2018
Senior Indirect and Direct Consumer Loan Analyst
HarborOne Bank
04.2011 - 07.2018
Senior Credit Analyst - Retail and Lease
GM Financial
09.2010 - 04.2011
Truck Driver
Furtado Freight Lines
04.2008 - 09.2010
Dealer Relationship Manager
AmeriCredit Financial Services
08.2005 - 02.2008
Bachelor of Arts - Criminal Justice
SUNY Plattsburgh