Nancy Martinez
North Fort Myers,FL
Summary
Analytical, detail-oriented, and results-driven professional with 15+ years of extensive experience in overseeing end-to-end loan application processes, including reviewing and analyzing loan applications to ensure compliance with lending policies and regulations. Proven track record of building and maintaining strong relationships with external partners, such as auto dealerships to foster effective communication and collaboration in securing loan business. Possess deep understanding of lending procedures, adept selling abilities, proficient researching skills, comprehensive knowledge of computers, and familiarity with banking applications and software. Demonstrated success in improving training and operational performance through vision, leadership, sales training, consulting, and team building. Adept at providing astute leadership and delivering exceptional results in dynamic landscape of indirect lending. Proficient in leveraging exceptional communication skills while interfacing with diverse stakeholders to facilitate seamless loan transactions.
Overview
14
14
years of professional experience
Work History
Indirect Loan Officer
Financial Institutions Lending Options
01.2020 - 01.2024
- Maintain unwavering compliance standards by ensuring meticulous adherence to organizational credit policies and legal/regulatory mandates
- Foster promotion and enhancement of services by communicating the Bank's programs to dealers
- Facilitate and oversee application and funding process while managing inquiries and expediting funding processes for optimal efficiency and client satisfaction
- Optimize operations by collaborating with management to resolve dealer, market, and internal performance issues.
Senior Indirect Loan Officer
Bank of the West
01.2016 - 01.2020
- Maintained adherence to standards and regulations by meticulously conforming to organizational credit policies and ensuring full compliance with legal and regulatory mandates while fostering compliant credit environment
- Proposed thorough recommendations to management regarding requests surpassing delegated authority while facilitating informed decision-making to enhance management insight for exceptional requests
- Handled dealer, market, or internal performance issues by effectively communicating with management for facilitating swift resolutions to optimize performance.
Vice President of Lending
Capital Bank
01.2014 - 01.2016
- Directed and managed lending operations to ensure efficient and compliant loan origination processes
- Collaborated with executive leadership to establish strategic goals and objectives for the lending department
- Fostered relationships with key stakeholders, including clients, regulatory bodies, and internal teams
- Led a team of lending professionals, providing guidance and support to achieve performance targets
- Enhanced communication channels with clients and internal teams, leading to a more transparent and efficient lending workflow
- Conducted thorough analyses of market trends and competitor activities to inform decision-making processes.
Senior Indirect Loan Officer
Metro Credit Union
01.2010 - 01.2014
- Leveraged proficient negotiation and communication skills for fostering strategic partnerships with auto dealers and franchises to expand business relationships and increase market presence
- Improved efficiency in funding processes and contract execution by supporting funding contracts and mitigating delays
- Optimized decision-making and operational strategies to enhance performance by overseeing monthly reports, evaluating productivity, and monitoring dealer look-to-books
- Collaborated with management to oversee loan recovery and collections while implementing effective strategies to optimize recovery rates and minimize credit risk.
Education
Timberlane Regional High School
Plaistow, NHSkills
- Credit Assessment
- Strategic Planning
- Regulatory Knowledge
- Customer Need Assessment
- Training & Documentation
- Financial Analysis
- Contract Negotiation
- Credit Policy Adherence
- Financial Product Knowledge
- Cross-functional collaboration
- Sales Forecasting
- Portfolio Management
- Compliance Management
- Team Building & Leadership
- Microsoft Office Suite (Word, Team, Excel, PowerPoint)
- LexisNexis
- DEFI Solutions underwriters software
- Banking
- Credit analysis
- Credit Scoring
- Team Player
- Customer service-focused
- Friendly
- Relationship building and management
- Consumer Lending
- Credit
- Loans
- Terms negotiation
- Problem-Solving
- Attention to Detail
- Reliability
- Excellent Communication
Personal Information
Title: Indirect Loan Officer
Timeline
Indirect Loan Officer
Financial Institutions Lending Options
01.2020 - 01.2024
Senior Indirect Loan Officer
Bank of the West
01.2016 - 01.2020
Vice President of Lending
Capital Bank
01.2014 - 01.2016
Senior Indirect Loan Officer
Metro Credit Union
01.2010 - 01.2014
Timberlane Regional High School
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