2017 1.1 CA UW both GBLaFleur

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Information about 2017 1.1 CA UW both GBLaFleur

Published on January 6, 2017

Author: GeorgeBentonLaFleur

Source: slideshare.net

1. George B. LaFleur _____________________________________________________________________________________________ 218 Brocket Pl., Stafford, TX 77477 * GBLaFleur@gmail.com * (214) 629-1299 To the applicable hiring manager: I am seeking a Credit / Risk Analyst, Underwriter, or similar position with your company. My previous financial career experiences makes me very suited for these, or other related positions. They are:  Director of Sales & Marketing  Credit & Debt Analysis Consultant  Senior Loan Officer  Finance Manager  Credit Analyst / Commercial Loan Support  Consumer Banker / Loan Underwriter With over ten years of experience in consumer, commercial, automotive, and mortgage lending, I have an in depth knowledge and thorough understanding of: credit analysis, loan reworking, counter-offer, risk report creation for credit review meetings, banking and loan departments, automotive direct and indirect (captive) lending, all automotive dealership departments, business management, accounting principles (including Accounts Payable/Receivable, and tax preparation), as well as very proficient computer skills. I can provide a sound, independent, and objective assessment of financial, management, and industry risk factors to structure loans associated with consumer, commercial, and corporate credit requests for small to large business loans. My experience has also involved making recommendations on loan structure, with meaningful loan covenants, to adequately cover the risk involved in a proposal. I have spread financial statements, and prepared comprehensive financial analysis, on the creditworthiness of borrowers to accurately measure the financial condition and operating performance of commercial corporate domestic enterprises within the small business and middle market areas. Previous responsibilities also included enhancing operating procedures of the department, and formats for credit analysis, by applying abbreviated credit criteria to different types of products in order to improve turn times of loan requests. I also helped identify, evaluate, and monitor loans to assess, reduce, eliminate, or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules, regulations, prescribed practices, internal policies and procedures, or ethical standards. I made recommendations to the Risk Management Committee that were deemed necessary, and took actions to ensure preventive measures were carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues. Thank you for your time and consideration. I look forward to further discussing with you how my qualifications can contribute to your company. Sincerely, George B. LaFleur

2. George B. LaFleur 218 Brocket Pl. ▪ Stafford, TX 77477 ▪ (214) 629-1299 ▪ GBLaFleur@gmail.com Credit / Risk Analyst  Underwriter  Lender Over ten years experience with financial analysis, accessing credit risk, and underwriting loans. Highly dependable, organized, and detail oriented with exceptional history of accurately handling multiple assignments in deadline-driven environments. Able to identify and understand issues, problems, and opportunities using data analysis to draw conclusions and take prompt action to accomplish objectives. Ability to perform counterparty credit analysis, including financial statement spreading, cash flow analysis, liquidity analysis, leverage analysis, ratio analysis, and industry analysis, then identify, measure and clearly communicate credit risk in counterparty transactions. Strong verbal and written communicator that advances with knowledge quickly. Skilled in all aspects of SAP, recording transactions, posting entries, and reconciling accounts, while ensuring accuracy and completeness of data. Proficient working independently or as part of a team with excellent customer service. Computer Skills: Excel, Word, Outlook, AdvantEdge, StatusMart, Lotus Notes, Pegasus, Emerald, Visual Banker, HOST, ADP, Reynolds & Reynolds, Baker Hill, Laser Pro, Accessory Manager, Premier II, Shaw, FiServ, V-Lookup. Experience: Ferrari of Houston / Group 1 Automotive: SERVICE WRITER / ADVISOR (6/2014 to 5/2016)  Answer telephone calls from customers, consult about their service needs, and book service appointments.  Check in client’s cars and help organize the department workflow.  Follow-up to customers with diagnosis, sell needed repair services, and provide on-going updates.  Schedule completion appointments and see that each car is clean in time for pick-up.  Compile service progress reports for the Service Director and file closed repair orders.  Initiate client follow-up and Customer Satisfaction Index (CSI) phone calls.  Maintained 100% Customer Satisfaction Index scores during my entire tenure at Ferrari.  Gained new, and drew back previous, clients due to successful marketing and past Ferrari community reputation. Top Speed Auto Accessories: DIRECTOR OF SALES & MARKETING (7/2010 to 6/2014)  Initiate contact with business owners and end user buyers to market Top Speed Auto performance products.  Monitor and actively participate/contribute in on-line automotive related forum web sites for marketing purposes.  Attend local automotive gatherings and shows to promote Top Speed Auto product line.  Assigned staff duties and delegation of tasks at trade shows as needed.  Increased company overall sales by over 30% during my first year as Sales and Marketing Director.  Grew company market presence and cultivated sales partners through social media and trade show circuits. CDMA / Global Advantage Credit Solutions: CREDIT & DEBT ANALYSIS CONSULTANT (7/2008 to 11/2009)  Handled in-bound /out-bound phone consultations with clients having up to $150,000 of unsecured debt.  Investigate and analyze credit to make determination of ability and program best suited to their financial situation.  Explained options, addressed concerns, overcame objections, and completed enrollment.  Follow up on invoices and collection of settlement account funding to ensure retention of client contract.  Proactive in building and maintaining new clients through relationships with referral partners. Washington Mutual / Countrywide Home Loans: SENIOR LOAN OFFICER (6/2004 to 11/2007)  Initiate client contact to originate personal, automotive, and real estate mortgage loans.  Skilled at analyzing customer needs and ability in order to advise on loan choices.  Make loan decision via risk analysis, underwriting guidelines, experienced judgment, and market knowledge.  Negotiate terms, overcome objections, and collect up-front fees.  Open new accounts and cross-sell other financial services and insurance products.  Exceeded $10 million in retail bank loan origination for the year.  Ranked #1 in region, #5 in state, and top 2% in nation for the year.  Improved bank mentor coaching program by developing new lender training system.  Responsible for residential and commercial loans as high as $1.5 million. Continued

3. George B. LaFleur Page 2 Middlekauff Ford: FINANCE MANAGER (4/2002 to 4/2004)  Complete loan applications, review credit reports and underwrite loan.  Negotiate terms, overcome objections, and collect required financial documents.  Cross-sell additional automotive loan financial products (credit life insurance, extended warranty, etc…).  Consistently achieved sales goals  Maintained above industry average Customer Satisfaction Index scores.  Designed, formulated, and implemented extensive sales tracking spreadsheet program for management. Associated Bank: CREDIT ANALYST / COMMERCIAL LOAN SUPPORT (9/2000 to 1/2002)  Spread client financials, analyze credit risk, comment loan decision recommendations.  Create risk reports for weekly loan review committee meetings according to bank policies and procedures.  Responsible for gathering client financials, requesting and proof reading loan documents.  Handled post closing funds disbursement and lien perfection filings according to bank standards.  Complete loan file auditing and portfolio maintenance to comply with loan policy and bank regulations.  Support bank management and commercial lenders on all commercial loan applications.  Collaborated on commercial loans up to $5 million. Bremer Bank: CONSUMER BANKER / LOAN UNDERWRITER (2/1998 to 9/2000)  Initiate client contact to originate loans (personal, automotive, and real estate).  Collect customer financials necessary for loan application.  Review customer’s credit, borrowing needs, and repayment ability in order to advise on loan choices.  Order collateral appraisals.  Make loan decision using credit risk analysis and legal underwriting guidelines.  Open new accounts and cross-sell other financial services and insurance products.  Responsible for new loan generation, underwriting, closing, funding, financial reporting, and new deposits growth.  Earned personal lending authority within first year of banking. Education: Finance - Anoka Ramsey College/Metropolitan State College, Minneapolis, MN RMA (formerly Robert Morris Associates) courses on lending, Financial Statement Credit Risk Analysis / Modeling Attended various American Banking Association (ABA) classes Previously held SEC Series 6, 63, and 22 licenses

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