Hi, I’m
NICOLE METCALF
San Tan Valley,Az
Overview
27
years of professional experience
Work History
Flagship Credit Acceptance
Quality Assurance Analyst II (Risk Operations)
12.2021 - 11.2024
Job overview
- Perform objective evaluations of processes, work products and services against applicable process descriptions, standards, and policies and procedures, ensuring controls are operating as intended as well as working with the business area to remediate any control deficiencies
- Build, document and implement an independent monitoring and testing program to ensure compliance with policies and procedures
- Develop and complete Quality Assurance test plans applicable to Credit, Funding and dealerships/partners
- Conduct timely underwriting and funding monthly audits and coordinate same with respective Line of Business
- Provide feedback to management, recommending actions that address error trends and root causes of errors found during control testing and quality audits.
Flagship Credit Acceptance
Credit Analyst (Originations)
08.2016 - 12.2021
Job overview
- Analyze, decision and service dealerships in the regions and areas assigned to me
- Increase and develop relationships throughout these territories
- Apply quantitative concepts and processes in a judgmental environment to accurately assess risk and balance with expected profitability to the Company
- Set goals together with my sales representative and my assigned funding analyst to increase production and process new auto loans in a timely manner.
Global Lending Services
Credit Analyst
08.2015 - 08.2016
Job overview
- Analyze credit data from applications submitted by various automobile dealerships to determine the degree of risk involved in extending credit
- In charge of servicing over 150 dealerships in the Central U.S
- Region and ensure that each dealership is up to speed on our lending guidelines and criteria
- Respond to applications submitted by dealerships and use my experience and relationship to capture contracts for the company
- Reached and exceed the monthly goals that were set for me.
Bank of America – Chandler, Az
Personal Banker
11.2014 - 08.2015
Job overview
- Sales based roll, primarily opening new accounts, and offering banking products to eligible clients
- Ensuring that every customer that I sat with received a personal financial assessment and that all their financial needs were met
- I made sure that every and all sales goals were met, and most were exceeded.
Bank of America / Merrill Edge – Chandler, Az
Financial Solutions Consultant
08.2014 - 10.2014
Job overview
- Preparing to be a licensed advisor and be able to sell additional products and services to potential clients
- Giving educated advice to current and potential clients regarding investment strategies and opportunities
- Providing customers with options to be able to broaden their financial portfolios.
Bank of America - Chandler, AZ
MLO Home Loans Closer
02.2013 - 08.2014
Job overview
- Ensure that all borrower information has been inputted correctly as well as the loan figures
- Make sure the loan documents are sent accurately and in a timely manner to the Title Company for borrowers to sign
- After signing is completed, review signed documents for accuracy and ensure timely funding takes place.
Preferred Home Care - Phoenix, AZ
Customer Service Rep
11.2012 - 02.2013
Job overview
- Assist patients in obtaining authorization for payment for medical equipment
- Making sure all proper documentation from individual doctors’ offices are obtained for the insurance companies
- Ensuring all questions and concerns are addressed in a timely manner for each patient during the sometimes long and stressful process.
San Tan Ford – Gilbert, AZ
Finance Manager
04.2007 - 10.2012
Job overview
- Produced backend profit for the store and consistently maintained aggressive numbers and percentages
- Created a good working environment for my coworkers and my customers, as well as a continuing, growing relationships with all my analyst/reps.
Thorobred Chevrolet - Chandler, AZ
Finance Manager
01.2002 - 04.2007
Job overview
- Successfully and enthusiastically gained much knowledge of being a Finance Manager
- Set and exceeded goals month after month with backend profits and percentages
- Gained a love and passion for this business and realized my ability to speak and sell to people and lenders
- Gained respect from many around me and formed many long-term relationships.
Arizona Federal Credit Union – Mesa, AZ
Teller/Financial Services
01.1998 - 10.2001
Job overview
- Worked the teller line helping members make deposits and withdrawals, as well as offered products to help put better use to their funds
- As a Financial Services Advisor, I opened and closed accounts, processed applicants for home, auto, and personal loans and assisted members with various issues.
Timeline
Quality Assurance Analyst II (Risk Operations)
Flagship Credit Acceptance
12.2021 - 11.2024
Credit Analyst (Originations)
Flagship Credit Acceptance
08.2016 - 12.2021
Credit Analyst
Global Lending Services
08.2015 - 08.2016
Personal Banker
Bank of America – Chandler, Az
11.2014 - 08.2015
Financial Solutions Consultant
Bank of America / Merrill Edge – Chandler, Az
08.2014 - 10.2014
MLO Home Loans Closer
Bank of America - Chandler, AZ
02.2013 - 08.2014
Customer Service Rep
Preferred Home Care - Phoenix, AZ
11.2012 - 02.2013
Finance Manager
San Tan Ford – Gilbert, AZ
04.2007 - 10.2012
Finance Manager
Thorobred Chevrolet - Chandler, AZ
01.2002 - 04.2007
Teller/Financial Services
Arizona Federal Credit Union – Mesa, AZ
01.1998 - 10.2001
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