Experience

Ferrari Financial Services

• Germany
• Financial Services
• 1 - 100 Employee

• Credit Manager

  • Nov 2021 - Present

   Manage 3 departments- funding, indirect lending and direct lending consisting of 4 employees Execute project implementation to completion- e-contracting Perform system testing for system improvements in LOS Improve quality and efficiency of departments through coaching and trainings Develop KPI’s for each department

• Financial Credit Analyst

  • Oct 2018 - Oct 2021

   Assess credit capacity, character and strength of existing and prospective clients Examine consumer credit history to make credit decisions utilizing personal financial statements, balance sheets, credit bureaus, etc. Underwrite loans for prospective clients up to and including $2.5 million USD Prepare concise written summaries to support underwriting decision Prepare written line of credit packages to present to credit committee for VIP clients up to and over $15 million USD Ability to analyze cash flow, debt ratios, collateral and overall customer strength when presenting decisions to credit committee  Prepare legal documents for execution for new and existing clients Verify contract documents for correct information and coordinate with dealerships to have discrepancies corrected efficiently prior to funding Maintain relationships with existing clients as well as cultivate relationships with prospective clients Developed training manual including credit procedures to establish credit best practices Analyze personal and corporate tax returns to support annual loan renewals and set-up loan new accounts Communicate credit decisions utilizing credit purchase and quality guidelines with dealerships on a daily basis



Toyota Financial Services

• Wholesale Analyst

  • Jan 2017 - Oct 2018

   Reconcile dealership financial statements monthly in Crowe/EFAS to assess accurate NWC Make recommendations to management regarding dealership financial stability Prepare and review legal loan documentation for dealership wholesale and real estate loans Perform and assist in reconciling inventory audits for dealership floorplans Ability to respond quickly to new information or changing circumstances

• Wholesale Analyst

  • Jan 2017 - Oct 2018

   Reconcile dealership financial statements on a monthly basis to assess accurate net working capital Develop credit underwriting research packages for commercial real estate and wholesale floorplan loans over $20 million USD Manage annual renewal evaluations for wholesale dealerships Make recommendations to management regarding dealership financial stability Prepare and review legal loan documentation for dealership wholesale and real estate loans Perform and assist in reconciling inventory audits for dealership floorplans Keep management informed on any arising issues regarding wholesale accounts Demonstrate strong time-management expertise to maintain strong dealer satisfaction

• Credit Analyst

  • Mar 2015 - Jan 2018

   Make credit decisions via approvals, conditional approvals or rejections on customer applications within the credit guidelines  Display effective credit decision-making skills based on character, capacity and collateral Analyze credit applications for risk and probability of repayment Effectively communicate credit decisions to dealership managers Exemplify leadership through community relations activities serving as the office ambassador Cultivate and maintain strong relationships with dealership team Delegate research/investigation work for credit approvals as needed to vendor Verify contract information to ensure compliance and utilize problem solving aptitude to resolve contract issues Ensure queue is maintained efficiently to exceed credit decision time target

• Customer Loyalty Advocate

  • Jul 2013 - Mar 2015

  * Adapt quickly to meet business objectives in changing workplace * Analyze customer needs and make recommendations with Toyota/Lexus products * Convey information to customers in a way that will promote our brand * Utilize decision-making skills daily in fast-paced environment * Build relationships with customers while submitting sales leads to dealers



Transamerica

• United States
• Financial Services
• 700 & Above Employee

• Senior Service Representative

  • Aug 2011 - Jan 2013

  Average 55-70 calls per day in fast-paced incoming call center environment Provide exceptional service to wide variety of audiences including agents, clients, and authorized third parties Mentor/train new-hires to show systems and provide knowledge on procedures Work in team-environment to help assist with work-loads on call backs Average 55-70 calls per day in fast-paced incoming call center environment Provide exceptional service to wide variety of audiences including agents, clients, and authorized third parties Mentor/train new-hires to show systems and provide knowledge on procedures Work in team-environment to help assist with work-loads on call backs



Nordstrom

• United States
• Retail
• 700 & Above Employee

• Mentor/ Customer Service Specialist

  • Jun 2011 - Jan 2013

  Work in call center to help place orders and answer questions on existing orders for customers Mentor new hires to train them on different systems and how to handle escalated callers Provide exceptional service to ensure that the customer left company feeling satisfied Work in call center to help place orders and answer questions on existing orders for customers Mentor new hires to train them on different systems and how to handle escalated callers Provide exceptional service to ensure that the customer left company feeling satisfied



BHFO, Inc.

• Retail Apparel and Fashion
• 1 - 100 Employee

• Processor

  • Dec 2009 - Aug 2011

  Self-motivated to meet and exceed departmental goals Examine new product to look for flaws on items Perform data-entry to upload product description on to company website Participate in numerous side projects to assist other areas of company including inventory, photography, and book initiative Self-motivated to meet and exceed departmental goals Examine new product to look for flaws on items Perform data-entry to upload product description on to company website Participate in numerous side projects to assist other areas of company including inventory, photography, and book initiative



Whirlpool/Maytag Manufacturing Plant

• Middle Amana, Iowa

• 2nd Class Inspector

  • May 2004 - Oct 2008

  Inspect 600-800 units per day to ensure that they met quality standards Run numerous tests to make sure item was running correctly Train multiple employees on the line to learn processes Work in team environment to ensure quota was met each shift Inspect 600-800 units per day to ensure that they met quality standards Run numerous tests to make sure item was running correctly Train multiple employees on the line to learn processes Work in team environment to ensure quota was met each shift



Northwestern Mutual Financial Network

• Hiawatha, Iowa

• Financial Representative Intern

  • May 2007 - Aug 2007

  Learn company selling procedures and methods through numerous trainings Earned producer license for life/health insurance sales in the state of Iowa Start to train on methods of prospecting and building clientele base Learn company selling procedures and methods through numerous trainings Earned producer license for life/health insurance sales in the state of Iowa Start to train on methods of prospecting and building clientele base



First Lutheran Church

• Volunteer

  • Aug 2001 - Aug 2005