ROB MERCER
North Richland Hills,TX
Summary
Finance and account management professional with a background in funding, loan closing, and lease-end resolution. Known for accurate billing review, compliance monitoring, and clear communication with dealers, borrowers, and internal teams to resolve account issues and support smooth handoffs.
Overview
22
22
years of professional experience
Work History
Senior Representative, Lease end & Auction Account
Santander Bank Us
North Richland Hills, Texas
06.2021 - Current
- Resolved account mismatches during lease-end transition, safeguarding revenue and ensuring data integrity.
- Directed training and readiness for offshore team during transition of complex early-term portfolio, focusing on account reconciliation and final statement generation.
- Analyzed early-termination lease records and ledger activity to support accurate final customer billing.
- Administered TRAC loans and DBUY accounts through detailed audits, ensuring compliance with internal standards and maintaining processing quality.
Funding Specialist
Santander Consumer USA
North Richland Hills, Texas
08.2017 - Current
- Acted as the main contact for dealership partners, resolved escalated funding questions, and maintained strong professional relationships to support business volume.
- Managed specialized expat loan portfolio, ensuring compliance with international credit structures and foreign document requirements.
- Verified contract details, borrower data, and title documents to ensure accurate funding.
- Communicated with dealerships to resolve missing documents and minimize funding delays.
Senior Loan Closer
Bank of America
Irving, TX
01.2013 - 12.2015
- Coordinated communication among lenders, borrowers, title companies, attorneys, and other loan participants to ensure a seamless closing process.
- Reviewed closing packages for residential loans and Bank of America lending guidelines.
- Approved funding for title company upon satisfaction of closing requirements.
- Followed company policies and government regulations consistently.
Underwriter
Bank of America
Fort Worth, TX
12.2010 - 01.2013
- Underwrite residential loans ensuring compliance with company and secondary market investors.
- Evaluated borrower qualifications for loan modifications based on income, payment history, and repayment ability.
- Contributed to Quality Review Board meetings to evaluate and enhance loan compliance.
- Ensured compliance with federal and state guidelines for retail mortgage lending.
Mortgage Loan Officer
Bank of America
Fort Worth, TX
04.2005 - 12.2010
- Executed the loan origination process, including ordering credit reports, appraisals, and preliminary title reports, facilitating timely loan approvals.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting a loan.
- Educated customers on loan products and credit options, enhancing their understanding and decision-making.
- Oversaw processes to meet team objectives, ensuring compliance and efficiency in operations.
Skills
- Compliance monitoring
- Data analysis
- Account management
- Process optimization
- Client relations
- Training facilitation
- Detail orientation
- Customer Service-Focused
- Relationship building
- Collaborative approach
- Effective communication
- Customer support
Accomplishments
- 2022 Summit Award Top of the Ops
- April 2022 Center Stage
- November 2023 Trail Blazer
- June 2026 Blaze Award
Early Career History
- OfficeMax - Sales Supervisor
- Best Buy - Wireless Department Manager
- Ultimate Electronics - Sales manager
Timeline
Senior Representative, Lease end & Auction Account
Santander Bank Us
06.2021 - Current
Funding Specialist
Santander Consumer USA
08.2017 - Current
Senior Loan Closer
Bank of America
01.2013 - 12.2015
Underwriter
Bank of America
12.2010 - 01.2013
Mortgage Loan Officer
Bank of America
04.2005 - 12.2010