Ruth March
Atlanta
Summary
Results-driven Senior Underwriter with strong relationship management and communication skills. Proven ability to assess complex credit profiles and enhance dealer engagement, focused on delivering optimal solutions that drive business growth.
Overview
16
16
years of professional experience
Work History
Senior Underwriter
Ally Financial
03.2023 - Current
- Evaluated 50-100+ applications daily, balancing speed and credit quality across multiple territories
- Exercise Level 6 authority, evaluating complex credit structures and approving high value collateral deals within company risk guidelines
- Manage dealer relationships in subprime- heavy markets including South Florida and Dallas, assessing challenging credit profiles, hard to verify income, and borrowers with new SSN/ITIN documentation
- Served as trusted advisor to dealer finance staff and general managers to rehash workable terms while maintaining portfolio integrity
- Increased dealer engagement and application/contract volume within the Ed Morse Automotive Group portfolio after assuming the territory in 2025 by strengthening communication and deal structuring support
- Maintained strong phone responsiveness metrics while managing a high daily application volume and dealer inquiries.
- Provided informal mentorship and coverage of teammates, assisting with questions, covering queues and supporting shift coverage to maintain workflow during absences
- Recognized as a collaborative team contributor, regularly stepping in to help teammates manage workload and maintain service levels
Relationship Manager
Capital One Auto Finance
Roswell
07.2017 - 03.2023
- Proposed solutions and leveraged cross-selling opportunities to existing and new clients.
- Drafted monthly summaries to review level of client participation and identify targets for follow-up calls.
- Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
- Managed 50+ franchise and independent dealerships.
- Developed and enhanced client relationships by leveraging exceptional sales expertise.
- Acted with minimal direction in self-directed capacities to resolve issues and implement strategies.
- Presented product and service details at various events to increase customer base.
- Collaborated with various departments, including field sales representatives to improve communication and deliver individualized customer solutions.
Consumer Loan Officer
Wells Fargo
Duluth
02.2017 - 07.2017
- Helped clients select products and service plans by explaining options and suggestively selling target offerings.
- Anticipated clients' needs to close high volume of sales and consistently exceed targets.
- Produced sales documents, finalized deals and filed records.
- Listened to customer needs to identify and recommend optimal finance products.
Consumer Underwriter 2
Springleaf Financial
Phoenix
10.2015 - 05.2016
- Presented plans to client with smooth and professional presentations to enhance buy-in chance and promote collaboration.
- Built and strengthened client relationships to form long-lasting, profitable bonds.
- Utilized financial analysis to prepare plans of action for investment.
- Demonstrated leadership by making improvements to work processes and helping to train others.
- Maintained updated sales reports and territory knowledge through follow up and offering different products as needed.
Relationship Manager
Capital One Auto Finance
Roswell
05.2010 - 03.2015
- Proposed solutions and leveraged cross-selling opportunities to existing and new clients.
- Presented product and service details at various events to increase customer base.
- Prepared monthly documentation, reports and logs to identify and manage sales metrics and support process driven activities.
- Offered clients personalized options to answer wide range of needs.
- Addressed inquiries from clients and relationship management department team members.
Skills
- Risk assessment and loan underwriting
- Dealer relationship management
- Compliance expertise
- Problem solving
- Team collaboration
- Market analysis
Timeline
Senior Underwriter
Ally Financial
03.2023 - Current
Relationship Manager
Capital One Auto Finance
07.2017 - 03.2023
Consumer Loan Officer
Wells Fargo
02.2017 - 07.2017
Consumer Underwriter 2
Springleaf Financial
10.2015 - 05.2016
Relationship Manager
Capital One Auto Finance
05.2010 - 03.2015