Experience

FinBe USA

• United States
• Financial Services
• 1 - 100 Employee

• Operations Manager

  • Oct 2017 - Present

  • Product Cancellation Rebatables • Utilizes third party data sources, internal systems and tools to research and analyze information to ensure accuracy of credit reporting. • Researches and responds to disputes received directly by mail, email, or phone Utilizes E-Oscar to quickly respond to indirect disputes in the way of Automated Consumer Dispute Verification (ACDV). • Corrects inaccurate account information provided to CRAs and document the resolution using internal systems and e-OSCAR. • Maintains a clear understanding of current internal credit-related policies and procedures, as well as all applicable federal regulations and credit industry standards. • Files Proof of Claim documents and Reaffirmation Agreements with the bankruptcy courts and/or attorney representing the owner(s). • Communicates with debtor attorneys and Bankruptcy Trustees verbally and through written correspondence. • Processes bankruptcy documents and updating customer loan and credit bureau. Tracks and defaults bankruptcy accounts. Assists in the funding department by initial auditing the new packages to check for compliance, quality, and accuracy of all funded loans. • Validate loan applications, detecting potential fraud to protect against future loss. • Oversees and ensures accurate submission of gap and insurance losses. • Oversees title department to ensure titles are processed and submitted to State DMV’s. • Oversees all impounds to confirm validation based on state specific guidelines. • Oversees and assigns accounts for pick up with Repo agents. Show less



Autocar Financial LLC

• Davie, FL

• Chief Operating Officer/Consulatant

  • Nov 2014 - Oct 2017

  For start-up: Obtained business licenses, established operating systems and procedures, developed company Website and trained staff. Grew loan portfolio from zero to over $7 Million in less than 3 years. Manage the business from end-to-end, including dealer recruitment and qualification; application screening, underwriting, structuring and loan approval; collections, insurance settlements, and repossessions; credit agency reporting; titles and lien; license renewals; general office management. Trained the development of additional credit and funding team members. Knowledgeable of compliance and assist the ACF Compliance Officer. On a daily basis, manage over 500 accounts, maintain dealer relationships, and supervise/train all staff. Recommended loan approvals and denials based on customer loan application reviews. Emailed auto dealers to obtain missing documents needed to fund the loan. Conducted customer interviews, employment, residence and insurance verification Developed and maintained relationships with local auto dealerships. Maintained friendly and professional customer interactions. Show less



ROAD AMERICA AUTO FINANCE LLC

• United States
• Automotive

• Funding Manager

  • Oct 2010 - Nov 2015

  For start-up: secured licenses in multiple states and managed customer communication associated with new business identity. Assisted in funding the growth to over 1200 accounts. Facilitate verification of income, employment, residency, driver's license, insurance, references or any other required verifications. Ensure proper documentation is included in all loan files per legal compliance requirements. Decisioned daily subprime loan applications by reviewing the credit report, calculating debt ratio, proof of income to make sound credit decisions. Structured applications to meet the loan to value guidelines Responsible for securing the filing room, titles and general office management. Supported the Road Master Dealership. Secured registrations and handled all customer documents. Recommended loan approvals and denials based on customer loan application reviews. Show less



AFS Acceptance LLC

• Fort Lauderdale, FL

• Funding Manager

  • Mar 2005 - Oct 2010

  Data entry of consumer application, pulled credit reports, and book values. Recommended loan approvals and denials based on customer loan application. Structured approvals that meet company's loan-to-value policy guidelines Originated, reviewed, processed, closed and administered customer loan applications. Developed and maintained relationships with local auto dealerships. Facilitated verification of income, employment, residency, driver's license, insurance, references or any other required verifications. Assisted the sales team with obtaining all missing documentation needed order to speed up the funding process. Show less