23 Years of professional experience
Saralyn Nelson
Renton,WA
Summary
Experienced SR Credit Manager with over 23 years of experience within the indirect auto lending occupation. Excellent reputation for resolving problems. Experience in policy development and staff management procedures positively impacting overall morale and productivity. Accustomed to a high paced office environment, looking to expand experience and knowledge. Dedicated Auto industry professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
13
13
Work History
SR. Credit Manager
Regional Acceptance Corporation
Tukwila, WA
08.2017 - Current
- Assist with daily operations and management of Regional Acceptance Corp business center and its portfolio. Responsible for efficiency, growth, soundness and profitability of center and its portfolio. Produce appropriate level of non-interest income, and efficiently manage delinquency.
- Achieve volume goals assigned to branch, as well as individual goals.
- Review all early payment defaults and document findings, in addition follow up with dealership personnel on any fraudulent items (e.g. straw purchases,missing options)
- Monitor credit decisions by following all policies, procedures and guidelines set forth by Regional Acceptance Corp. In addition, document all exceptions to company standards.
- Review Credit applications and concurrences in timely and consistent manner.
- Follow up on approved or conditioned credit decisions and document conversations with dealership personnel in SalesForce.com
- Conduct Interviews for underwriting and loan admin positions, train Underwriting staff as well as Loan Admin staff.
- Maintain application approval rate at acceptable level as set by corporate standard. Maintain contract funding process to acceptable corporate standards.
- Prepare, Document any Corrective Actions.
- Approve timecards, process vacation requests.
- Complete application reviews on credit analysts, adverse action reviews, complete funding audits for loan admins.
- Managed quality assurance program including on site evaluations, internal audits and customer surveys.
Credit Manager
GM Financial
Lynnwood, WA
09.2011 - 08.2017
- Ensure Compliance with applicable policies and procedures, ensure proper documentation is received on all funding contracts, supported in training lower level Credit Analysts and new hires regularly.
- Analyzed credit data to determine degree of risk involved in extending credit
- Made decisions to approve or decline extension of credit within set credit authority established by SR Management and State/Federal laws.
- Prepared, documented and delivered any Corrective Actions.
- Monitored and amended time-cards to ensure accuracy weekly.
- Resolve, and manage funding developments daily. Experienced in communicating any undesirable news to dealerships on contracts.
- Developed my Team's knowledge of multiple programs offered by having monthly meeting.
- Provided onsite, real time training with second reviews/questions, ride-a-longs and also deal reviews.
- Monitored volume goals assigned to branch as well as individual goals.
SR Credit Analyst
Reliable Auto Credit
Federal Way, WA
03.2011 - 09.2011
- Was able to create new position in company to increase productivity within dealer base.
- Stayed current and educated on trends,innovations,and applications within auto industry.
- Effectively managed and marketed assigned dealer relationships to achieve all quality,pricing and volume objectives.
- Increased funding from $250K to over $1M. Average funded auto contract was $4-$6,000.
SR CA-2 Credit Analyst
GM Financial
Lynnwood, WA
09.2009 - 03.2011
- Analyzed credit data to determine risk involved in extending credit
- Developed dealer relationships to ensure volume objectives and credit quality requirements were achieved.
- Telemarketing dealerships, and also traveled to dealerships to grow and strengthen market.
- Experienced in delivering undesirable information to dealerships on approvals, declines or contracts in funding department.
- Consistently passed Credit Review audits by corporate.
Education
High School Diploma - undefined
Green River High School
Green River, UT05.1992
College of Eastern Utah
Price, UTundefined
Salt Lake Community College
Salt Lake City, UTE.M.T Certificate
University of Utah
Salt Lake City, UTSkills
- Managerial Experience
- Managerial Background
- Credit report understanding
- Credit risk evaluation
Timeline
SR. Credit Manager
Regional Acceptance Corporation
08.2017 - Current
Credit Manager
GM Financial
09.2011 - 08.2017
SR Credit Analyst
Reliable Auto Credit
03.2011 - 09.2011
SR CA-2 Credit Analyst
GM Financial
09.2009 - 03.2011
High School Diploma - undefined
Green River High School
College of Eastern Utah
undefined
Salt Lake Community College
E.M.T Certificate
University of Utah
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