Melinda "Mindy" Elkins

• Process and investigate contract information that included loan conditions. Manage pipeline performance to meet timeline compliance. Validate data to meet guidelines of credit policies, state, and federal statues. Finalize the purchase of contract.

• Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation. Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded. Maintained friendly and professional customer interactions. Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.

• SME for Home Affordable Modification Program retention team. Monitored workflow and team pipeline performance. Identified departments process shortfalls and worked with management to create action plans in order to eliminate risk. Maintained HAMP desk aids for policies and procedures changes. First line of questioning for staff, along with coordination and administered job training. Assisted management with daily business reporting and served as lead role in absence of supervisor. Audited retention mortgage modification loan correction workouts for accuracy of investors compliance and ensured most suitable workout used based on customer provided information. Verified accuracy of Quality Assurance Specialist and Underwriters review based on current programs and procedures. Validated investor, insurer and guarantor's as well as internal policies.

• Analyzed automobile credit applications and reports with calculating debt ratios and negotiated approvals up to $40,000/$700 payment by using credit policies, state and federal statues. Promoted marketing department. Developed along with maintained territory with achieving volume and quality goals. Analyzed and negotiated new contract figures. Assisted funding department to obtain contract information and loan conditions.

• Review company's accounts for compliance of credit policies, state and federal statues. Validate presence of all required authorizations, documentation and verifications. Evaluated credit policy exceptions and pricing decisions made by personnel. Identified areas where company may be exposed to instability, or opportunities for revenue.

• Supervised up to 16 automobile Funding Discounters and Credit Investigators who backed Credit Analysts along with marketing department. Coordinated processing and investigations of contract information that loan conditions. Monitored team/department pipeline performance as well as development reviews. Approved personnel payroll, and scheduled vacation plus sick time. Audited files for compliance of credit policies, state and federal statues. Finalized purchase of contracts. Prepared daily/weekly/monthly audit and funding reports. Interviewed potential new hires and coordinated job training. Oversaw as well as provided internal and external customer service in addition to internal morale.

• Approved or denied credit applications to keep organization profitable by making informed lending decisions. Assessed for credit risk by analyzed customer data such as financial statements to determine amounts involved for extending credit. Reviewed credit scores to determine borrowers' creditworthiness. Analyzed credit reports to comprehensively view borrowers' credit history and identify potential red flags. Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions. Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention. Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decisionmaking. Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.