Rodney White
Cleveland,OH
Summary
Talented Bank Rep with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
25
25
years of professional experience
Work History
Branch Manager
Professional Financial Services
12.2019 - Current
- Maintained stable volume during pandemic
- Added new dealer relationships
- Increased ledger balance by 10%
- Develop, direct, coach, train and manage branch personnel on a daily basis
- Manage the daily operations of the branch office
- Ensure all branch actions are in compliance with state and federal regulations and Company policies regarding lending, collections, repossession, cash management and employment actions
- Ensure Company's SAWS methodology is followed for evaluating loan applications
- Develop and maintain good customer and dealer relationships with continuous, positive contact
- Achieve account gain through proven loan judgement and effective and continuous customer and dealer solicitation
- Coordinate acquisition and disposal of repossessions, accurately estimating the recovery values of the automobile and ensuring they are sent for the most advantageous disposal means
- Make recommendations on credit decisions
- Review auto loan underwriting for approval.
Auto Loan Underwriter/Assistant Manager
Professional Financial Services
08.2016 - 12.2019
- Reviewed auto finance loan application submissions from the dealerships for potential vehicle purchases
- Rendered appropriate credit decisions based on credit policy and compliance regulations
- Structured approvals to maximize profit and enhance dealer relationships
- Negotiated rates and fees with the dealers' clients
- Provided prompt and accurate responses to all internal and external inquiries
- Developed strong, professional relationships with dealers to ensure profitable and quality business growth
- Provided customer service to dealer staff and applicants
- Supervised a team of two
- Provided mentoring and coaching
- Conducted loss Control and Audit Report submissions
- Assisted office manager as needed
- Provided Accident and CPI Insurance claims
- Added two new dealer relationships
- Facilitated weekly staff meetings
- Conducted field Investigation.
Account Manager
Professional Financial Services
02.2015 - 08.2016
- Performed collection activities on delinquent accounts, skip tracking, and other locate activities
- Assisted in Repossession Management
- Maintained under 3% loan delinquency
- Completed and maintained insurance claims, filing, and record-keeping systems
- Handled payments, maintained cash drawer accuracy, security, and prepared and submitted bank deposits
- Responsible for handing employment verification
- Solicited, prepared, and processed personal loan applications and renewals.
Sr. Collections Agent
Wells Fargo Dealer Services
01.1999 - 02.2015
- Maintained customer accounts, debt collections, and payment arrangement
- Negotiated payment plans and/or settlements for delinquent accounts
- Reviewed delinquency reports and made recommendations for corrective actions including submitting cases to collection agencies
- Handled field investigations
- Provided detailed vehicle reports
- Managed negotiation and enforced scheduled collection campaigns
- Initiated consumer negotiations for debt recovery through phone and mail contact
- Utilized the internet and specialized software to locate people with overdue balances
- Processed Accident and CPI Insurance claims.
Education
Project Management -
DeVry University
Independence, OHSkills
- Sales Development
- Branch Operations Management
- Interviewing and Hiring
- Risk Mitigation
- Shift Scheduling
- Coaching and Mentoring
- Relationship Building
- Human resources knowledge
- Process Improvement
- Employee Development
- Bank security expert
- Customer Service
- Business Development
- Cash handling expertise
- Account Review
- Decision-Making
- Conflict Resolution
- Financial Services
- Client Relationship Management
- Customer Relationships
- Credit File Updating
- Payment Schedule Computation
- Attention to Detail
- Credit History Review
- Application Review
- Income Evaluation
- Analytical and Critical Thinking
- Sales professional
- Relationship Management
- Loans
- Loan Documentation
Timeline
Branch Manager
Professional Financial Services
12.2019 - Current
Auto Loan Underwriter/Assistant Manager
Professional Financial Services
08.2016 - 12.2019
Account Manager
Professional Financial Services
02.2015 - 08.2016
Sr. Collections Agent
Wells Fargo Dealer Services
01.1999 - 02.2015
Project Management -
DeVry University
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