Kimberly Smith Fuller

-Manage Loan Pool Underwriters.

-Oversee daily underwriting, approval and funding process and QC for sourced loans through third party vendor relationships managed by Finance to ensure they follow specified underwriting guidelines, policy/regulatory requirements and other contract provisions.

-Assist with financial analysis/underwriting for purchased loans/loan pools and preparation of credit memo to support and document approval.

-Assist with the operational onboarding of new third-party specialty lending relationships.

-Oversee the Vendor Management process for new and existing vendors.

-Maintain required documentation on all third parties, assist with required annual servicer reviews and monthly financial/performance reporting on loan portfolios.

-Assist VP, Capital Markets with loan pool sales and purchases.

-Ensure compliance with all Federal and State regulatory requirements and internal organization policies.

-Responsible for completing and approving timecards, monitoring and tracking PTO and attendance.

-Providing feedback during performance review process.

-Provide coaching and training to Underwriting staff.

-Manage and update Consumer Underwriting Procedures as needed.

-Assist in providing oversight and support to the Underwriting team

-Utilized as a Point of Contact for complex loans and loan requests over standard lending authority.

-Conducted monthly audits on Underwriters to ensure accuracy of loans and decisions.

-Ensured Underwriting staff stayed current on all required regulatory courses.

-Responsible for reviewing, analyzing, and making decisions on prime and subprime consumer loans.

-Managed assigned centralized lending queue and approved, denied, or provide counter-offer on loan applications.

-Reviewed and identified risk in credit reports, tax returns, ratios and other related financials while strategically structuring new loans to effectively manage risk.

-Nominated "Lender of the Year" in 2009 by Manager and Peers.

-Responsible for reviewing, analyzing, and making decisions on prime and subprime consumer loans.

-Managed assigned centralized lending queue and approved, denied, or provided counter-offer on consumer loans.

-Reviewed and identified risk in credit reports, tax returns, ratios and other related financials while strategically structuring new loans to effectively manage identified risk.

-Cultivated profitable dealer relationships throughout auto dealership industry.