Lena Sherman
Atlanta,MI
Summary
Experienced Account Manager and Credit Professional. Initiative-taking with a successful career in credit finance, banking, business development, and management. Leadership and customer service skills with positive approach toward work. Excel within demanding environments where leadership skills are the keys to success.
Collaborative leader partners with coworkers to promote engaged, empowering work culture. Documented strengths in building and maintaining relationships with diverse range of stakeholders in dynamic, fast-paced settings.
Overview
16
16
years of professional experience
Work History
Loan Program Manager
Solar Energy Loan Fund
06.2024 - Current
- Responsible for client and contractor relations, loan documentation, and loan closings
- Collection of financial information and performance of loan pre-qualification Assessment
- Assist clients with product selection, prescreening contractors, fair pricing, project coordination, and loan processing
- Build collaborative relationships with local contractors and government partners to accomplish program goals
- Extensive community engagement with local governments stakeholders and clients, public forums, community meetings, and social media
- Build a local contractor network of home improvement companies - roofing, impact windows and doors, air conditioning, and green energy
- Work with Executive Team and Marketing Director on strategies to reach low-to-moderate income homeowners
Inside Sales Business Manager
Hyundai Capital America
02.2019 - 09.2023
- Generated new business and maintaining relationship with current dealer base
- Answers questions or inquiries and provides solutions to issues affecting dealers within assigned district
- Manage inbound calls and making outbound calls to assigned dealers to sell Hyundai Capital America’s (HCA) floorplan and programs
- Promotes HCA programs for maximum dealer buy-in and utilization
- Interact daily with appropriate Service Center Teams including but not limited to retail credit, funding, customer service, lease-end to resolve dealer issues
- Positively affect JD Power and NADA Survey Results
- Work cross-functionally with other departments as needed
- Train dealership personnel (GM, GSM, Sales Managers, Finance Mangers, and other) on new technology and digitalization of HCA products and services; including but not limited to: Program updates, application submission, funding and compliance, eContracting, eRehash, remarketing, and self-service functionality (both virtually and onsite)
- Sell the features and benefits of HCA Commercial Financing Programs and to maintain current relationships, develop and conquest new Commercial portfolio targets while working to mitigate risk and maintain ROA targets, Ability to provide competitive data feedback and creative solutions to management and HCA Support
- Perform deal and call review for new hires
- Handle with all escalated dealer calls for the credit team
- Help structure deals to allow dealers to maximize profits while managing risk
- Help dealers with issues about contracts and other department issues
- Ability to work quickly, accurately, and make decisions under pressure in a fast past environment
- Preparing and reviewing reports to help aid dealers in loss analysis and develop ways to reduce them
- Researching trends with the use of Tableau and SAS
Sr. Credit Analyst, Credit Portfolio Management
Hyundai Capital America
07.2014 - 02.2019
- Review credit applications that meet the underwriting standards
- Maintain a positive working relation with the dealer base
- Maintain or exceed production goals while mitigating risk
- Analyze information from credit application and reporting agency to make sound credit decisions with enhanced skills in negotiating the terms and conditions under credit underwriting guidelines
- Balance production, support Sales team, manage risk and support strong relationship while managing dealer group portfolio of $50 million in assets to $170 million
- Assist Credit Manager with coaching ideas and aid in training new credit analyst
- Spearheaded the second phase of training with all new hires
- Perform deal and call review for new hires
- Handle with all escalated dealer calls for the credit team
- Help structure deals to allow dealers to maximize profits while managing risk
- Help dealers with issues about contracts and other department issues
- Ability to work quickly, accurately, and make decisions under pressure in a fast past environment
- Focus on building effective business relationships with dealers
- Preparing and reviewing reports to help aid dealers in loss analysis and develop ways to reduce them
- Researching trends with the use of Tableau and SAS
- Help dealers with penetration
- Able to analyze inconvenient situations and respond quickly to resolve issues
- Excel in a demanding environment
- Effective communication skills that display my ability to sale a credit decision based on the merit of the deal
- Facilitate training classes of new credit analyst when needed
- Process improvement, complete root cause analyses, find true complaints and how to work toward cutting them
- Help improve customer overall experience with different departments in HCA
Credit Analyst
Hyundai Capital America
06.2011 - 06.2014
- Review credit application and make sound credit decisions
- Make sound credit decisions on new and existing customers per company credit policy
- Build dealer relationships
- Help new buyers with credit questions
- Assist dealer in reserve payment and all questions related to credit and funding
Loan Negotiator
Boykin Law Group
05.2010 - 06.2012
- Evaluated homeowner’s mortgage information and modification applications to determine the best acceptability within current servicers/lender/government guidelines
Credit Solution Coach
CareOne Credit
09.2009 - 05.2010
- Assisted prospective customers in identifying a solution that would aid in debt management and solution
- Evaluated debt, credit history, and assisted customers with developing a budget to regain financial stability
Education
BS - Business Administration
Colorado Technical University
07-2026
Associate of Science - Business Administration
Colorado Technical University
04.2023
Skills
- Credit Review
- Risk Analysis
- Leadership
- Effective communication
- Problem-solving
- Negotiation skills
- Cheerful outlook
- Coaching
- Willingness to learn
- Work in afast-paced environment
- Establish and maintain strong relationships
- Competent knowledge of relevant software applications
- MS Office Suites
- AUS
- LOS
- Daybreak
- Salesforce
- Tableau
- Canva
- Problem-solving
- Project management
- Detail-oriented
- Strategic planning
Timeline
Loan Program Manager
Solar Energy Loan Fund
06.2024 - Current
Inside Sales Business Manager
Hyundai Capital America
02.2019 - 09.2023
Sr. Credit Analyst, Credit Portfolio Management
Hyundai Capital America
07.2014 - 02.2019
Credit Analyst
Hyundai Capital America
06.2011 - 06.2014
Loan Negotiator
Boykin Law Group
05.2010 - 06.2012
Credit Solution Coach
CareOne Credit
09.2009 - 05.2010
BS - Business Administration
Colorado Technical University
Associate of Science - Business Administration
Colorado Technical University
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