Scott M Waldron
Greer,SC
Summary
Results-oriented credit analyst with a strong background in customer correspondence and credit analysis. Possessing over a decade of experience in underwriting automotive and unsecured loans, I bring a meticulous approach to my work. Exceptional communication skills have facilitated success in both remote and in-office settings. Demonstrated ability to effectively handle multiple tasks in fast-paced environments. Recognized for consistently surpassing department KPIs and upholding compliance standards.
Overview
26
26
years of professional experience
Work History
Retail Credit Analyst - Senior LOA 3
TD Auto Finance
06.2021 - Current
- Review and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Review credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Lending authority up to $150,000
- Member of specialty Near Prime and Tesla Credit teams
- Verifies and documents all applications for approval
- Providing excellent customer service for clients and sales DRMs
- Excels in meeting corporate standards and expectations
- Supports clients in funding process
- Helps support others in personal development and coaching
- Maintains compliance with applicable regulations and laws governing consumer credit.
Parts Specialist / Assistant Manager
Jones Ford Inc.
11.2014 - 06.2020
- Advise technicians and customers with parts applications in person, over the phone, and messaging services
- Support fellow employees when needed to ensure quick response to customers
- Assist Management with correct stocking levels, keep lost sales data, maintain inventory demand levels
- Review and accurately complete repair estimates for mechanical and body shop vehicles
- Work closely with local mechanical and body repair facilities to maintain relationships and ensure correct part applications and promote future growth together
- Trained and continuous mentoring of four new employees
- Continuing follow-up with Service and Sales departments to ensure quality customer relationships
Parts Manager
Keith Hawthorne Ford
02.2012 - 10.2014
- Maintained Relationships with outside vendors, suppliers, customers
- Resolved all escalated customer concerns
- Managed and mentored three employees
- Worked closely with General Manager, Sales Management and Service Manager to grow dealership in sales and customer satisfaction
- Trained two new employees
- Promoted a team environment across departments
Parts Specialist / Advisor
Woodhouse Auto Family – Ford Quicklane, Nissan, Lincoln Mercury
03.2008 - 02.2012
- Advised over the phone customers, body shops and technicians with proper parts applications
- Worked with Service Advisers to ensure proper repair time frame
- Trained new employee (Dec 2011)
- Resolved customer concerns in person and over the phone
Co-Owner / Service Manager
Absolute Auto Repair, Inc
01.2006 - 03.2008
- Thoroughly wrote up estimates containing the customers concerns, any safety items, and maintenance due
- Actively sold customers the above-mentioned repairs
- Informed customers throughout the repair process, followed up after the repair was finished
- Reviewed, sorted, and organized company financial statements, supply chain, and advertising
- Performed minor maintenance and light duty repairs on vehicles
Manager – Lead Credit Analyst
First National Bank Omaha
01.2005 - 01.2006
- Continuation of Senior Credit Analyst duties
- Quality Assurance and production tracking of approximately 25 Credit Analysts
- Assisted, trained, and coached Credit Analysts
- Resolved escalated phone conversations
- Assisted Department Managers with day-to-day operations of the department
- Reviewed high limit credit decisions using financial and income statements, verification of assets and collateral
- Present reasoning to Senior VP for approval or denial
- Managed the Bankruptcy Risk Protection team, track and review potential accounts for bankruptcy risks to the company
Senior Credit Analyst / Customer Service Agent
First National Bank Omaha
06.1999 - 01.2005
- Analyzed customer behavior in maintaining credit card accounts through risk scoring systems and the 4 Cs of Credit
- Reviewed limit increase requests by analyzing customer credit reports and personal financial information
- Reviewed and explained reasoning for credit decisions using credit bureau and personal account reasons
Education
Bachelor of Science - Business Entrepreneurship
Creighton University
Omaha, Nebraska08.2003
Skills
- Credit risk assessment
- Loan underwriting
- Oral and written communications
- Relationship management
Timeline
Retail Credit Analyst - Senior LOA 3
TD Auto Finance
06.2021 - Current
Parts Specialist / Assistant Manager
Jones Ford Inc.
11.2014 - 06.2020
Parts Manager
Keith Hawthorne Ford
02.2012 - 10.2014
Parts Specialist / Advisor
Woodhouse Auto Family – Ford Quicklane, Nissan, Lincoln Mercury
03.2008 - 02.2012
Co-Owner / Service Manager
Absolute Auto Repair, Inc
01.2006 - 03.2008
Manager – Lead Credit Analyst
First National Bank Omaha
01.2005 - 01.2006
Senior Credit Analyst / Customer Service Agent
First National Bank Omaha
06.1999 - 01.2005
Bachelor of Science - Business Entrepreneurship
Creighton University
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