Melissa E. Madrid
Los Angeles,CA
Summary
Senior bilingual (Spanish) Loan Manager with 9 years’ experience in non-prime indirect auto finance and 7 years in motorcycle leasing. Experienced in underwriting, funding, documentation, and compliance—adept at supervising and training teams, resolving escalated dealer issues, and managing high-volume workflows with strong attention to detail. Customer-focused problem solver with excellent analytical and communication skills, committed to improving quality controls and operational efficiency.
Overview
23
23
years of professional experience
Work History
Loan Management
Cayuga & Dodge Inc.
Limta, CA
11.2024 - Current
- Process and fund subprime auto loans in a timely manner.
- Ensure Truth in Lending disclosures match the printed welcome letters and verify active auto insurance throughout the life of each loan.
- Manage collections and handle repossessions for defaulted accounts.
- Accept payments over the phone and assist with daily accounts payable and invoice filing for our sister dealership.
- Assist with issuing checks for vendors delivering parts.
Underwriting Supervisor / Loan Processing
Motolease LLC / Motorcycle Group
01.2017 - 01.2024
- Handle escalated dealer calls to resolve underwriting/verification objections
- Monitor workflow task queues to ensure all tasks are completed, as required
- Determine eligible underwriting exceptions, as required
- Motivate and encourage UW Reps through positive communication and feedback
- Provide training for new and existing employees
- Review and process individual consumer finance applications pursuant to Company’s credit criteria
- Analyze information and assess risk level and reasons for approval/denial
- Troubleshoot and resolve dealer issues in a timely manner
- Provide Support to Credit Director as necessary
- Participate in regular meetings
Under-writing Representative
Motolease LLC / Motorcycle Group
01.2015 - 01.2017
- Review and process individual consumer finance applications daily to assess the eligibility of a customer to receive financing
- Analyze information and assess risk level and reasons for possible denial
- Troubleshoot applications and track from initiation to approval
- Work directly with dealer contact(s) to familiarize them with credit criteria guidelines
- Manage multiple finance applications and multiple dealers
- Manage multiple finance programs with different credit criteria for analysis
- Meet or exceed daily application review goals
Sr. Funder/Documentation Specialist (Non-Prime)
JP Morgan Chase—Chase Auto Finance
01.2007 - 01.2015
- Exercise independent analysis and judgment to determine if applicable standards and stipulations are met in the funding packages sent by dealers.
- Process sub-prime auto loan applications in an automotive lending center effectively in high-pressure situations.
- Verify that all legal documentation is in order and meets the company policies, procedures and regulatory requirements.
- Build, foster and strengthen lasting relationships between, Dealerships, Sales Teams, Loan Officers and customers by being an attentive listener, effectively identified needs or problems and initiated solutions resolving escalated issues.
- Analyze personal and business financial statements to determine income eligibility (e.g., bank statements, taxes, and W2 paystubs).
- Designated by manager to provide backup supervisory assistance based on overall knowledge of department operations procedures
- Provided thorough procedure training to new employees increasing confidence.
- Conducted regular quality assurance reviews to evaluate compliance with requirements pertaining to company policy and procedures. Consistently achieved above regional benchmark Quality Audits.
Payment Processor
JPMorgan Chase
01.2003 - 01.2007
- Performed alpha/numeric data entry on invoices for wholesale companies.
- Reconciled processed work by verifying entries and comparing system reports to balancing memo.
- Disbursed petty cash by recording entry; verified documentation and completed the bank deposit slips.
- Effectively met many daily deadlines and adjusted to peak volume productivity.
- Met quality and productivity standards as defined by the department at 100% audit results.
Education
High School Diploma -
Alexander Hamilton High School
Los Angeles, CA06-1998
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El Camino College
01-2002
Skills
- Excellent Verbal and Written Communication Skills
- Superb Dealer Relationship
- Aggressive Negotiator
- Problem Resolution
- Great Analytical and Technical Skills
- Customer Focused
- Knowledge Microsoft Excel, Word and Power Point, KSR/TrivVin
- Bilingual-Fluently Speak, Read and Write Spanish
Academic Background and Skills
Proficient 10 key/data entry skills
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
Loan Management
Cayuga & Dodge Inc.
11.2024 - Current
Underwriting Supervisor / Loan Processing
Motolease LLC / Motorcycle Group
01.2017 - 01.2024
Under-writing Representative
Motolease LLC / Motorcycle Group
01.2015 - 01.2017
Sr. Funder/Documentation Specialist (Non-Prime)
JP Morgan Chase—Chase Auto Finance
01.2007 - 01.2015
Payment Processor
JPMorgan Chase
01.2003 - 01.2007
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El Camino College
High School Diploma -
Alexander Hamilton High School