• Review credit reports and prepare credit submission packets which have been thoroughly vetted and analyzed to meet the approval requirements of our funding partners. • High level analyzing of Credit Reports to determine credit factors which could lead to an approval or denial by our funding sources. • Work to eliminate denial factors on credit reports and identify documentation needed from our clients which could clear credit stipulations / prefunding conditions, before presenting a transaction to our funding sources. • Respond to inquiries regarding the status of a credit application or transaction and deliver clear and positive communication to internal departments (sales and funding). • Make decisions on applications submitted through internal and dealer relationships while placing a strong emphasis on response time, attention to details and the quantity of applications processed. • Exercise sound judgment when reviewing details and potential alerts and/or risks associated with credit reports that may lead to a credit denial. • Adhere to company policies and procedures and escalate any matters non-compliant to Credit Management. • Logically document all credit decisions in the Salesforce.com database. • Follow up with Funding Sources or Account Managers to ensure items needed are received prior to funding. • Assist with other administrative duties, including data entry and CRM database management as assigned by the Credit team.

• Leading complex credit underwriting activities. • Serving as a trusted advisor to the Chief Lending Officer. • Evaluating complex borrower scenarios and structuring credit solutions. • Overseeing underwriting teams and mentoring junior underwriters. • Driving process improvements and collaborating to improve credit quality.