Scott McAllise
Plain City
Summary
Results-driven Retail Credit Specialist with expertise in credit analysis, risk mitigation, and negotiation. Proven ability to enhance dealer relationships while ensuring credit quality and profitability.
Overview
16
16
years of professional experience
Work History
Retail Credit Specialist
BMW Financial Services
Columbus
04.2023 - Current
- Analyze and underwrite consumer and business credit submissions to make prudent credit decisions.
- Negotiated terms and conditions with dealers, adhering to established approval guidelines to enhance credit quality and profitability.
- Mitigate risk through thorough credit analysis and use of appropriate verification tools.
- Manage and foster dealer relationships by professionally communicating credit decisions and providing alternative options for declined applications.
Team Manager RCC
BMW Financial Services
Columbus
09.2021 - 04.2023
- Managed RCC team operations to enhance service and dealer satisfaction with E-contracting, funding and bulletin/program inquiries.
- Facilitated buy/sells of dealerships cross-functionally to ensure business continuity and legal compliance.
- Worked closely with sales company regarding new programs and initiatives through company bulletin generation and review.
- Collaborated with Credit/Funding to solidify business performance and workflow.
Senior Retail Credit Analyst
BMW Financial Services
Columbus
07.2019 - 09.2021
- Underwrite consumer and business credit submissions, including fleet credit lines up to $1MM.
- Collect and review financial documentation such as audited business financials, tax returns and income statements to support business and fleet applications.
- Handled escalated credit reviews within company authority matrices up to $500K per customer.
- Actively assist in training and mentoring of new associates.
Retail Credit Specialist
BMW Financial Services
Columbus
02.2018 - 07.2019
- Analyze and underwrite consumer and business credit submissions to make prudent credit decisions.
- Negotiated terms and conditions with dealers within established approval guidelines, enhancing credit quality and supporting profitability.
- Mitigated risk through thorough credit analysis and effective use of verification tools.
- Managed dealer relationships by communicating credit decisions clearly and offering alternative options for declined applications.
Quality and Control Specialist - Funding
BMW Financial Services
Columbus
06.2015 - 02.2018
- Verify contracts are structured and calculated properly in accordance with company compliance and legal policy.
- Ensure finance and leasing contracts are aligned within credit stipulations.
- Handle dealer inquiries regarding funding payments, credit stipulations, and compliance regulations to verify all documentation is present and accurate.
Lease End Portfolio Specialist
BMW Financial Services
Columbus
02.2013 - 06.2015
- Drive loyalty by assisting customers through the end of lease process via inbound and outbound contacts.
- Coordinated with retailers via phone and email to address and meet customer needs.
- Managed customer and retailer portfolio to enhance customer retention.
- Assist customers in refinancing of loans and lease purchases.
End of Term Specialist
BMW Financial Services
Columbus
10.2010 - 02.2013
- Collect end of lease term billings through inbound/outbound phone contacts and email correspondence.
- Managed escalated customer calls and issues, ensuring timely resolution and enhancing customer satisfaction.
- Responded promptly to customer correspondence letters, delivering high-quality customer service.
Education
Bachelor of Arts - Criminology/Sociology
The Ohio State University
Columbus, OH03-2010
Timeline
Retail Credit Specialist
BMW Financial Services
04.2023 - Current
Team Manager RCC
BMW Financial Services
09.2021 - 04.2023
Senior Retail Credit Analyst
BMW Financial Services
07.2019 - 09.2021
Retail Credit Specialist
BMW Financial Services
02.2018 - 07.2019
Quality and Control Specialist - Funding
BMW Financial Services
06.2015 - 02.2018
Lease End Portfolio Specialist
BMW Financial Services
02.2013 - 06.2015
End of Term Specialist
BMW Financial Services
10.2010 - 02.2013
Bachelor of Arts - Criminology/Sociology
The Ohio State University