TAMMY KROM
San Tan Valley,AZ
Summary
Currently trained with Online ED Training for Mortgage Loan Originator and passed test for Pre License Exam. Have my NMLLS number still need to take State Test. Served as Branch Manager of Citi Financial Auto overseeing business operations, procedures and personnel Extensive knowledge of financial transactions and indirect auto lending procedures, underwriting and resources Familiar with working directly with customers, staff members, management and other internal/external professionals Management Skills: Organize multiple complex responsibilities with superior results in ever-changing workplaces under time constraints; maintain productivity and adhere to global company polices; ability to exceed company goals Nearly always the top producer in underwriting and collections; exceed company standards consistently in busy areas Very sales-driven person – ability to sell the dealerships our financial services – have extremely good negotiation skills Success-driven individual; respectful leader and straight-forward individual who welcomes challenging opportunities
Overview
24
24
years of professional experience
Work History
Bank of America Loan Specialist
Bank of America
06.2022 - 01.2024
- Working with Clients to complete their auto loans
- Processing of documents and end of loan cycle to fund the loan
- Both inbound and outbound calling
- Sending of loans to funding or underwriting depending on where the loan is in processing and all documents have been received from client.
Ally Bank Auto Underwriting
Ally Bank
04.2011 - 09.2020
- Starting with 6 states to grow ending with growth and hand off to other underwriters
- Remote employee with the final state of WI which produced for me around $6M per month
- Was number one employee for over 4 years in a row with loan production over and above expectations.
DEALER SERVICES CORPORATION, General Manager
DEALER SERVICES CORPORATION
11.2008 - 11.2010
- Oversee branch operations and staff
- 5M loan portfolio serving both Nebraska and Iowa dealers
- Promoted 3 time within 1 year, from Customer Portfolio Representative, Manager In Training to GM
- Make daily customer calls of resolved loan issues to inform, educate, and collect receivables
- Perform customer orientation and contract closing
- Make daily assessment of collections and tracking of branch delinquency goals and objectives
- Process daily data input and system coding of loan documentation
- Make focused customer service calls to potential and existing customers.
CITI FINANCIAL AUTO, Branch Manager
CITI FINANCIAL AUTO
05.2000 - 06.2008
- Oversee branch operations, where Citi Financial provides indirect auto lending
- Work with a select group of auto dealerships – communicate with the finance professionals within these dealerships to obtain loans from their customers
- Loan goal is +$2 million monthly
- Complete monthly reports; ensure compliance of regulatory procedures
- Accept Human Resources responsibilities
- Hire, evaluate and supervise 3 underwriters and a loan processor; train new staff
- Work directly with customers in timely completion of loan processing procedures.
CITI FINANCIAL AUTO, Underwriter
CITI FINANCIAL AUTO
01.2004 - 01.2007
- Sales and marketing to the dealerships – via phone and in person
- Made weekly dealer calls to build and retain business relationships
- Reviewed customers’ applications; identified needs to secure loans for customers
- Trained and provided support for 3 underwriters; served as liaison to staff by providing information concerning corporate policies and procedures.
CITI FINANCIAL AUTO, Collector
CITI FINANCIAL AUTO
01.2002 - 01.2004
- Collected delinquent auto loans via phone; was able to work effectively with irate debtors
- Problem solving responsibilities; maintained lowest delinquency in the company for 4 consecutive months
- Handled most complex delinquent accounts which were 30-120+ days delinquent with the ability resolve customers’ issues to avoid company losses.
CITI FINANCIAL AUTO, Loan Processor
CITI FINANCIAL AUTO
01.2000 - 01.2002
- Processed the incoming paperwork; completed data entry of all applications and contract information into the system
- Handled all loan funding for dealerships; adhered to a 24-hour turn-around time as specified by company policy.
Skills
- Customer Assistance
- Banking knowledge
- Telephone and email etiquette
- Effective Communication
Accomplishmentsandprofessionalstrengths
Selected by District Manager to serve as Relief Manager for understaffed branches – traveled to both MN and WI
Goal-driven professional and outgoing individual who makes appropriate decisions on time and creates solutions
Customer-service oriented leader who focused to top-notch customer satisfaction to ensure client retention and sales
Great sales ability with product knowledge – able to direct customers to necessary products and services as needed
Very motivated leader who plans and implement workable and profitable company procedures under time constraints
Auto Pro program; Internet and E-mail; work with Microsoft Word and Excel on computers; learn new methods quickly
Evaluation from Citi management; Excellent attitude toward doing her job, and it shows in her results. Almost always the Top Producer in the branch each month. She puts her “all” into it. Tammy is self-motivated and always looking to do the best job possible. Salesperson’s mindset when working with dealers. Great effort. Tammy is huge asset
Efficient and reliable professional who completes projects and responsibilities from start to successful conclusion
Educationandworkshops
- Metropolitan Community College, Omaha, Nebraska, Worked toward Associates Degree, 1996, 1998
- Dale Carnegie Training Course, Omaha, Nebraska, 1995
Timeline
Bank of America Loan Specialist
Bank of America
06.2022 - 01.2024
Ally Bank Auto Underwriting
Ally Bank
04.2011 - 09.2020
DEALER SERVICES CORPORATION, General Manager
DEALER SERVICES CORPORATION
11.2008 - 11.2010
CITI FINANCIAL AUTO, Underwriter
CITI FINANCIAL AUTO
01.2004 - 01.2007
CITI FINANCIAL AUTO, Collector
CITI FINANCIAL AUTO
01.2002 - 01.2004
CITI FINANCIAL AUTO, Branch Manager
CITI FINANCIAL AUTO
05.2000 - 06.2008
CITI FINANCIAL AUTO, Loan Processor
CITI FINANCIAL AUTO
01.2000 - 01.2002
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