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yyyyyy x. yyyyyy

846 fremont street #0000 xxxxxx xxxx , xxxx , xxxxx 00000

(xxx-xxx-xxxx ~ abc@xyz.com

 

qualification summary

results-oriented leader with 15+ years of lending & underwriting experience seeking to secure additional experience in handling, reviewing, and underwriting loans. strong knowledge of credit union, banking, mortgage and automobile lending, assessment of financial resources, deductive reasoning, negotiation, problem sensitivity, client evaluation, and sound decision making. possess exceptional organizational and interpersonal attributes and a fiery determination to succeed. exhibit dynamic follow-through, astute professionalism, and a stellar work ethic. consistently create lasting relationships with people from diverse cultures and professional backgrounds. interact with a network of cross-functional professionals to achieve maximum motivation, collaboration, and efficacy. state of california vehicle sales license #s932597

 

underwriting / loan processing / automobile lending / dealer relations

teambuilding / document review & assessment / financing / sales management

career history

fireside bank, san jose, ca
senior credit analyst/loan underwriter, 2007 c 2009

  • analyzed current credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money; prepared reports with this credit information for use in decision-making.
  • managed dealer relationships with 700+ dealers throughout northern california.
  • assessed credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
  • reviewed financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
  • compared liquidity, profitability, and credit histories of individuals; engaged in collections and secured payment arrangements as needed.
  • completed loan applications, including credit analyses and summaries of loan requests, and determined eligibility for approval.

 

south bay auto, san jose, ca
finance manager/office manager, 2002 c 2007

  • advised finance department on short-term and long-term financial objectives, policies, and actions; generated dmv paperwork for proper automobile registration.
  • oversaw the continued functionality and efficiency of the internet sales department and organizational website.
  • analyzed the financial details of past, present, and prospective deals to identify development opportunities and areas where improvement is needed.
  • developed internal control policies, guidelines, and procedures for activities such as budget administration, cash and credit management, and accounting.
  • lead staff training and development in financial management and associated administrative functions.

 

 

 

 

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yyyyyy x. yyyyyy

 

 

imperial auto gallery, santa clara, ca

general manager, 1995 c 2000

  • reviewed financial statements, sales and activity reports, and other performance data to measure productivity and goal achievement and to determine areas needing cost reduction and program improvement.
  • planned the operations and carried out responsibilities include formulating policies, managing daily operations, and planning the use of materials and human resources, and functional areas of management or administration.
  • determined staffing requirements, and interviewed, hired and trained new employees, or oversee those personnel processes.
  • developed and implemented product marketing strategies including advertising campaigns and sales promotions.
  • directed and coordinated activities of sales, finance, and administration departments.
  • coordinated financial and budget activities to fund operations, maximize investments, and increase efficiency.

educational

fresno city college, fresno, ca

completed 2 years of courses

 

 

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