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- 1. MARTIN OMOKHAPE AGBUGUI Southfield, MI Email: oagbugui@gmail.com Cell: 215-609-2680 PROFESSIONAL SUMMARY Professional experience in Risk, Credit, Financial Analysis, Sales and Marketing, and Team Leadership within the financial industry. An independent self-starter; logical and task-focused person who is highly analytical, innovative, and organized with a history of accurately assessing business risk assessments. I have excellent communication, interpersonal and presentation skills. Strong critical thinking, problem solving, and time management skills with proven success handling multiple responsibilities and projects. Able to adapt within a demanding, fast-paced and often changing corporate environment; while meeting and exceeding organizational objectives and deadlines. Natural talent in building and leading high performing teams, including union employees, instilling customer focus and accountability to achieve mutual goals and objectives. Exhibits a high degree of attention to detail Demonstrated the ability to execute various projects, administered process improvements. AREAS OF EXPERTISE Portfolio & Project Management / Accounting / Tracking & Forecasting / Process Improvements / Employee Coaching/Development / Training & Development / Vendor Relations / Cold Calling & B2B / Negotiating & Closing / Customer Relationship Management PROFESSIONAL EXPERIENCE Wells FargoSouthfield, MI 2016- PRESENT Consumer Loan Underwriter ll Responsible for conducting credit review and processing loans in a timely manner for my dealer group. Functions include: analyzing loan requests, conducting forecast analysis, providing support to the dealers and the sales representatives and coordinating activity in support of credit approval process. Each day incudes: Evaluating and ensuring overall loan documents are accurate, complete, and compliant. Reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value) and other supporting documentation. Using an automated scoring system or traditional underwriting to determine acceptability of moderate requests. Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products. Staying abreast of any changes in underwriting provisions. Working with production to resolve questions when possible Review work quality for other credit analysts JP Morgan ChaseTroy, MI 2013- 2016 Consumer Loan Underwriter II Assisted over 200 finance managers reviewing credit applications according to business standards and reviewing funding procedures for accuracy. Coordinate underwriting strategies with the Sales Representatives for assigned dealers. Build and maintain dealer relationships. Conducted Investment Risk analysis by reviewing of income, assets, credit and collateral documentation within the loan files to ensure that appropriate decisions is made as to evaluate the risk. Evaluate the financial ratios, using computer programs to assist, evaluate customers' financial status and credit history Maintained or exceeded daily quality standard of 95 % or better with no Critical errors that could cause a loss. Maintained or exceed daily production. Ensured all required underwriting and compliance training is completed weekly/monthly. This includes Training, Policy and Procedure changes, Anti-Money Laundering, Treating Customers Fairly, and Americans with Disability Act, Privacy Awareness and IT. Provided clear and concise communication with management, sales and operations staff regarding the conditional approval commitment to ensure the best possible experience for the customer.
- 2. MARTIN OMOKHAPE AGBUGUI 215-609-2680 PAGE 2 OF 2 PROFESSIONAL EXPERIENCE, Continued JP Morgan ChaseTroy, MI Key Accomplishments: Trained my office on using our new system for looking at loans Recognized for great customer service by the District Manager Credit AcceptanceSouthfield, MI 2010-2012 Credit Analyst - Loan Funding Serviced over 300 dealerships and assisted dealers with structuring loans to close deals. Exceeded expectations for outbound calls to dealers, performing job duties efficiently and providing excellent customer service to all dealers and customers. Reviewed all contracts to ensure that loans meet legal policy and funding compliance requirements. Gather documents to resolve open stipulations on loans to help ensure the maximum payout is paid to the dealer on every loan and to help sell on any advance adjustment. Directly supported Regional Manager by controlling daily resources allocation and performing administrative tasks as needed. Chrysler Financial ServicesPhiladelphia, PA & Troy, MI 2008 2010 Manager, Late stage collections Supervised, trained, coached and motivated a team of 12 United Auto Workers employees; improving and implementing strategies and guiding behaviors to help them excel in their current and future positions. Analyzed daily reports to produce strategies to enhance performance. Served as a Court liaison for trail cases for Chrysler Financial earning a favorable judgment in 100% of the court cases. Developed daily strategies that managed a multimillion-dollar portfolio. Achieved over 100% in goals for 2009 during the company liquidation. Served as a Court Liaison Hand selected by senior management to successfully resolve legal judgment disputes while representing court cases. Reviewed accounts for repossessions; Implemented process improvements based by evaluating agents call quality. Chrysler Financial Services Americas LLC Philadelphia, Pa 2005 2008 Customer Service Representative Managed a $4 Billion portfolio comprised of lease and retail accounts. Exhibited superior customer service, call handling and negotiation skills to secure payments and reduce loss. Investigated and skip traced to locate customers. Issued documents for repossessions and submit information for court action, following company and state law procedures. Guided and trained new employees (48) on the strategic use of collections. Selected by senior management to head the Overseas Military Portfolio with over 1000 accounts. Excellence Award Nominated by peers & management for exceeding goal achievement. Ranked in the top 10 out of 200 employees in the country in delinquency goals for high risk accounts. Instrumental in the portfolio transition of litigations during company liquidation. Collaborated on the standardizing the process flow of overseas military accounts. Developed and implemented tools to enhance employee performance. EDUCATION Bachelor of Science Degree in Business Administration / Marketing - Strayer University, Philadelphia, PA Associates Degree, Film and Video Production - Art Institute of Philadelphia, Philadelphia PA TECHNOLOGY PROFICIENCY: MS Office, Word, Access, Excel, PowerPoint; Lotus Notes, Proprietary Software