Ralph McBride
Holly Springs,NC
Summary
Ambitious and successful Consumer Loan Underwriter with over 25 years of automotive industry experience. Recognized recipient of the D.A.C. award, demonstrating a commitment to excellence. Proven leader with a track record of driving growth and enhancing profitability through innovative solutions. Core competencies include risk assessment, financial analysis, and strategic decision-making.
Overview
28
28
years of professional experience
Work History
Senior Credit Analyst 1
GM Financial - Americredit Financial Services
Raleigh, NC
06.2023 - Current
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Verified adherence to legal requirements in all decisions on loan applications.
- Served as an inside sales representative to strengthen dealer connections through education on company strengths and programs, such as Triple Play Rewards.
- Adjusted contract terms as necessary to secure additional market share, adhering to company standards.
Consumer Loan Underwriter Level 3
Wells Fargo Auto
Raleigh, NC
09.2014 - 06.2024
- Conducted independent analysis of credit information to establish worthiness.
- Upheld a high level of accuracy in the company credit queue.
- Regularly assessed credit decisions to ensure favorable ratios and returns.
- Engaged continuously with dealers on credit matters to achieve improved funding rates.
- Verified alignment of loan decisions with internal protocols and statutory requirements.
Finance Manager
Brass City Hyindai
Waterbury, CT
04.2008 - 09.2014
- Supervised everyday workflow.
- Prepared all necessary documents to complete transactions.
- Strengthened team dynamics through development coaching.
- Established and sustained effective relationships with key lenders, customers, and product vendors.
- Consistently met and exceeded financial goals through effective performance.
Finance Manager
Merriam Motors
Wallingford, Connecticut
05.2002 - 04.2008
Finance Manager
Roberts Dodge Chrysler Jeep
Meriden, CT
10.1996 - 05.2002
Education
McNairy Central High School
ACPO Holdings F&I School
Zurich F&I School
Skills
- Database Management
- Proofreading
- Verbal and written communication
- Credit Data Analysis
- Critical Thinking
- Self-Management
- Problem Solving
- Microsoft Office
- CDK Global
- Reynolds and Reynolds
- DealerTrack
- Routeone
- Cuddl
- Salesforce
References
- Casey Vanderschaff, (952) 484-8714
- Ted Zemlick, (949) 400-2817
- Jayne Harte, (214) 724-8265
Timeline
Senior Credit Analyst 1
GM Financial - Americredit Financial Services
06.2023 - Current
Consumer Loan Underwriter Level 3
Wells Fargo Auto
09.2014 - 06.2024
Finance Manager
Brass City Hyindai
04.2008 - 09.2014
Finance Manager
Merriam Motors
05.2002 - 04.2008
Finance Manager
Roberts Dodge Chrysler Jeep
10.1996 - 05.2002
McNairy Central High School
ACPO Holdings F&I School
Zurich F&I School
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