RIAN CASON
Riverdale,GA
Summary
Detail-oriented credit analyst with a proven track record in managing high volumes of loan paperwork within dynamic environments. Expertise in reviewing and validating personal, employment, and financial histories, leading to enhanced approval rates and improved customer relations. Proficient in financial modeling, risk assessment, and portfolio management, with a strong ability to analyze complex financial data for informed decision-making. Known for optimizing loan application processes and underwriting standards, resulting in decreased default rates while maintaining regulatory compliance.
Overview
8
8
years of professional experience
Work History
Sr. Credit Analyst
Stellantis Financial Services
08.2022 - Current
- Reviewed and evaluated all credit reports in both commonly used and unique SFS formats
- Applied credit policies accurately across multiple product lines for various loan types, ensuring compliance with FCRA
- Managed exceptions to published credit authority, leveraging judgment and experience to achieve risk outcomes within company expectations
- Completed final disposition on credit applications or escalated to appropriate level of authority for approval
- Negotiated final terms of contracts through outbound and inbound calls with dealer customers and Dealer Relationship Managers (DRMs)
- Assisted with escalated calls from Dealers and DRMs regarding credit decisions, re-evaluating and handling professionally to maintain positive relationships
- Participated in targeted outbound call campaigns, collaborating with DRMs to cultivate long-term dealer relationships
- Worked directly with the Funding department and DRMs to resolve credit and verification issues during funding
- Provided guidance, training, and mentorship to junior associates within the department
- Maintained confidentiality of consumer personal information, including Social Security numbers and dates of birth
Loan Processing
USAA
06.2019 - 12.2019
- Maintained long-term relationships with customers to provide best-in-class customer service
- Uphold complete confidentiality of all submitted information according to release guidelines
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants
- Set up and completed loan submission packages
- Handled any conditions sent from underwriting departments
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories
- Filed completed loan applications with underwriting and made approval or denial recommendations
- Consulted with outside vendors to identify and resolve loan closing issues
Risk Analyst
Charles Schwab
09.2018 - 08.2019
- Reviewed portfolios, identifying risk factors and determined methods to alleviate delinquencies
- Compiled and submitted regular reports to update senior management on operations and progress
- Managed and executed risk management projects to determine deficiencies and appropriate corrective actions
- Evaluated financial documentation such as credit reports, processing history and bank statements
- Conducted investigations and took appropriate actions to resolve concerns
Loan Processor
Ethos Lending
06.2017 - 09.2018
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes
- Created and completed loan submission packages
- Managed any conditions sent from underwriting departments
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues
- Uphold compliance with privacy and security requirements, as well as federal statutes covering Mortgage loans
- Maintained complete confidentiality of all submitted information according to release guidelines
- Examined and verified information in loan application and closing documents
- Organized, filed and maintained customer, department and regulatory loan records
Education
BUSINESS MANAGEMENT -
FLORIDA STATE UNIV.
05.2002
Skills
- Loan presentation preparation
- Credit analysis
- Loan documentation
- Loan structuring
- Underwriting
- Relationship management
- Banking regulations
- Consumer credit reports
Timeline
Sr. Credit Analyst
Stellantis Financial Services
08.2022 - Current
Loan Processing
USAA
06.2019 - 12.2019
Risk Analyst
Charles Schwab
09.2018 - 08.2019
Loan Processor
Ethos Lending
06.2017 - 09.2018
BUSINESS MANAGEMENT -
FLORIDA STATE UNIV.
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