Richard Tidwell
Fort Worth,TX
Summary
Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.
Overview
23
23
years of professional experience
Work History
Auto Loan Underwriter III
Wells Fargo & Company
11.2010 - 04.2023
- Review multiple credit applications daily. Make approval and denial recommendations by determining accurate risk levels.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Analyzed credit, income, and compliance, during underwriting process.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Determined and documented loan conditions and communicated requirements and decisions.
- Negotiated terms and conditions of loan to acquire maximum profitability.
- Worked closely with finance managers at dealerships to build strong relationships. Make calls to dealerships to close loan approvals.
- Fast Pace work environment with monthly targets including fraud detection, policy compliance, and ROE.
- Worked in multiple dealer channels, from captive lending, indirect lending, and Manufacture subvention rate programs.
Shipping Manager
PC Service Source
01.2000 - 09.2008
- Prepared shipping documents and invoices, processed payments, and fielded client questions.
- Maintained positive relationships with representatives of UPS, FedEX, USPS, and DHL shipping companies.
- Pulled, verified, and packaged items for shipment.
- Set up local, domestic and international shipments according to postal, shipper and foreign regulations.
- Determined most cost-effective procedures and routes for shipments.
- Conducted counts and audits of inventories to identify and resolve discrepancies in records.
- Operated forklifts, lift trucks, and hand trucks to move items around warehouse.
- Communicated with vendor representatives to resolve damaged shipments and item shortages.
- Conducted training programs with employees to promote familiarity with company products and applications.
Education
BBA - Marketing
Tarrant County College District
Fort Worth, TX05.1998
High School Diploma -
Haltom High School
Haltom City, TX05.1995
Skills
- 10 years experience in auto finance and underwriting
- Very fluent in reading and understanding all 3 credit bureaus
- Highly skilled in credit decisioning, with strong understanding of consumer credit and regulations by state or federal laws
- Strong understanding of bank procedures and policies in the consumer loan environment
- Experienced communicator and negotiator with sales background
- PC experience and all office products Knowledgeable with Dealertrack and RouteOne
Timeline
Auto Loan Underwriter III
Wells Fargo & Company
11.2010 - 04.2023
Shipping Manager
PC Service Source
01.2000 - 09.2008
BBA - Marketing
Tarrant County College District
High School Diploma -
Haltom High School