Experience

First Tech Federal Credit Union

• United States
• Financial Services
• 700 & Above Employee

• Credit Underwritter II

  • Oct 2021 - Present



VW Credit, Inc.

• United States
• Financial Services
• 700 & Above Employee

• Credit/Funding Analyst

  • Apr 2018 - Oct 2021

  • Provide timely and accurate spreads and credit analysis regarding borrower performance, operating trends, identify areas of concern, and/or inconsistencies.

• Credit Analyst

  • Dec 2016 - Apr 2018

  The Credit Analyst position Analyze / Underwrite Retail & Lease Credit Requests utilizing the current policies and procedures and customer credit score and provide a complete assessment of the applicant's credit risk. Reviews and makes decisions on credit applications from VW/Audi Dealers using discretion and judgment, aided by computer decision support to maximize portfolio purchases while minimizing exposure to delinquency/loss and ensuring high level of service. This position also interacts… Show more The Credit Analyst position Analyze / Underwrite Retail & Lease Credit Requests utilizing the current policies and procedures and customer credit score and provide a complete assessment of the applicant's credit risk. Reviews and makes decisions on credit applications from VW/Audi Dealers using discretion and judgment, aided by computer decision support to maximize portfolio purchases while minimizing exposure to delinquency/loss and ensuring high level of service. This position also interacts directly with dealer network and fields staffs to effectively deliver / negotiate the credit decision to dealership personnel while listening to / considering opposing viewpoints in a professional manner.

• Funding Auditor

  • Apr 2014 - Dec 2016

  Hillsboro, OR The Funding Auditor audits and verifies all documents of lease and retail funding packages received from the dealerships while maintaining 360 degrees of customer service. Upon completion the auditor generates a payment to the dealership for the vehicle that is now leased or owned by the customer and financed with VW Credit, Inc. This position also interacts directly with the dealer network, Credit department and field staff assisting with questions or inquiries to finance programs, status of… Show more The Funding Auditor audits and verifies all documents of lease and retail funding packages received from the dealerships while maintaining 360 degrees of customer service. Upon completion the auditor generates a payment to the dealership for the vehicle that is now leased or owned by the customer and financed with VW Credit, Inc. This position also interacts directly with the dealer network, Credit department and field staff assisting with questions or inquiries to finance programs, status of funding packages or policies and procedures.



BECU

• United States
• Banking
• 700 & Above Employee

• Leadership Representative

  • Mar 2007 - Apr 2013

  Kent, WA Contact Center representative: Summary; Maintain a comprehensive understanding and knowledge of Credit Union policies, procedures, products, and services. Demonstrate excellent customer service skills and quality. Negotiate resolution of complex inquiries and disputes while maintaining control. Support employee's in a professional informative manner.; Utilize system applications and loan information, Visa, WebAccess, affiliated Credit Union, and remote Service Inquiries. Research and resolve… Show more Contact Center representative: Summary; Maintain a comprehensive understanding and knowledge of Credit Union policies, procedures, products, and services. Demonstrate excellent customer service skills and quality. Negotiate resolution of complex inquiries and disputes while maintaining control. Support employee's in a professional informative manner.; Utilize system applications and loan information, Visa, WebAccess, affiliated Credit Union, and remote Service Inquiries. Research and resolve member inquiries. Identify cross servicing opportunities.; employee's. Maintain a thorough knowledge of Federal and State regulations. Effective oral and written skills for communication. Process transactions with accuracy and efficiency. Prioritize and organize task to complete in an accurate and timely manner. Help mentor new employees Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Premier Banking Associate

  • Aug 2003 - Jul 2006

  Greater Seattle Area • Audits the contract documentation for compliance and accuracy. Insures that contract structure and dealership advance is consistent with credit approval and company financing guidelines. • Analyze contract terms to verify Federal Regulation compliance and state specific tax law accuracy. • Contact dealer directly to identify discrepancies in the file for immediate resolution. • Identify repetitive discrepancies to train dealership personnel in the preparation of a complete funding… Show more • Audits the contract documentation for compliance and accuracy. Insures that contract structure and dealership advance is consistent with credit approval and company financing guidelines. • Analyze contract terms to verify Federal Regulation compliance and state specific tax law accuracy. • Contact dealer directly to identify discrepancies in the file for immediate resolution. • Identify repetitive discrepancies to train dealership personnel in the preparation of a complete funding package. • Analyze contract structure assigning correct marketing program to ensure correct dealer reserve payment and/or subvention billing. • Work directly with Credit department counterparts to effectively manage field and dealer relations. • Manage an individual portfolio of incomplete funding packages to either resolve the problem within 72 hours or return package to dealership. Coach dealership with specific contract corrections. • Travel to dealerships for relationship building, workshop presentations, and training. Assist with questions or inquiries from our customers, regional offices, and corporate offices with professional communication skills. • Fund dealers in a timely manner for automotive contracts. • Provide quality assistance and advice regarding all funding policies and procedures to dealer personnel. Show less