RYAN GALVAN
Placentia
Summary
Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
11
11
years of professional experience
Work History
Director of Client Services
Prepaid-USA
10.2023 - Current
- Build client relationships by responding to inquiries, identifying and assessing clients' needs, resolving problems, and following up with potential and existing clients.
- Handle complaints, provided appropriate solutions, and alternatives within appropriate timeframes and followed up to achieve resolution.
- Supervise daily operations and sales functions to maximize revenue, customer satisfaction, and employee productivity.
- Interact with clients on regular basis to quickly alleviate issues and provide project updates.
- Schedule and attended meetings with clients and prospective clients as requested.
- Collaborate with finance department on invoicing accuracy for applicable products, services, software, and logistics.
- Collaborate with marketing teams to develop targeted campaigns that effectively communicated product offerings to prospective clients across various channels.
Credit Analyst - Equipment Financing
Envision Capital Group
10.2021 - 10.2023
- Generated financial ratios to evaluate customer's financial status
- Performed credit analysis and administrative duties to support credit function
- Prepared summaries, present data and offer opinions on creditworthiness
- Monitored existing accounts for changes in risk levels or payment patterns that could indicate a potential default
- Provided credit analysis on financial statements and assess credit risk for clients
- Evaluated loan requests to ensure compliance with bank policies and procedures
- Analyzed data to verify information and check for fraud
- Reviewed loan documentation to ensure accuracy and completeness prior to approval
- Analyzed cash flow, profitability, liquidity and other financial ratios to determine credit worthiness of borrowers
- Ran and reviewed reports daily on Dun & Bradstreet, LexisNexis, Salesforce, CLEAR, Experian, Transunion, Equifax.
Senior Consumer Loan Underwriter
SchoolsFirst FCU
06.2020 - 10.2021
- Discussed disputed loan decisions, including alternate solutions for the Member
- Reviewed loan applications completed and referred by MCC and branches
- Processed and made decisions on loan applications received through our online portal or automated telephone system
- Interviewed loan applicants to develop information concerning their loan needs, earnings, and financial condition
- Analyzed current financial position to determine the degree of risk involved in extending credit or lending money
- Using the on-line loan application system approved or denied the loan based on creditworthiness, ability to repay, stability and credit score
Senior Underwriting Analyst
Hyundai Capital America
06.2017 - 06.2020
- Reviewed customer financial data to ascertain level of risk involved for extending credit
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation
- Prepared financial ratios and spreads using computer programs to evaluate customer financial status
- Inbound/outbound calls to solicit business & service customers
- Presented key information to upper management and the executive team for loan recommendations
- Collected and organized loan documents before submission to underwriting.
Senior Credit Analyst
CarFinance Capital
04.2013 - 06.2017
- Built and managed highly successful team of 10 underwriters
- Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions
- Collaborated with other departments to optimize communication and workflow
- Helped employees improve performance by closely mentoring new members, completing quarterly reviews and developing improvement plans to correct deficiencies
- Reviewed proof of income up front to determine if customer budgets for loan payment
- Increased quality control ratings through forward-thinking updates to department policies and processes
- Managed the company's concurrence queues to ensure the correct decision was made for our customers
- Maintained detailed records of underwriting decisions for audit purposes.
Education
Associate of Arts in Finance -
Orange Coast College
Costa Mesa, CA01.2008
Skills
- Well-versed in the 3 major credit bureaus
- Credit analysis
- Customer Satisfaction
- Client Relationships
- Client Retention Strategies
- Risk Management
- Analyzing data
- Training and mentoring
- Risk evaluations
- Relationship Building
- Training & Development
- Data management
- Information verification
- Loan documentation
- Banking regulations
- Underwriting
- Team management
- Debt and credit management
- Full financial package expertise
- Banking Regulations
- Lending Regulations
- Preparing Proposals
- Judgmental Lending
- Financial Data Analyzation
- Loan Application Advisement
- Commercial and Credit Loans
- Collateral Valuation
- Financial Structuring
Timeline
Director of Client Services
Prepaid-USA
10.2023 - Current
Credit Analyst - Equipment Financing
Envision Capital Group
10.2021 - 10.2023
Senior Consumer Loan Underwriter
SchoolsFirst FCU
06.2020 - 10.2021
Senior Underwriting Analyst
Hyundai Capital America
06.2017 - 06.2020
Senior Credit Analyst
CarFinance Capital
04.2013 - 06.2017
Associate of Arts in Finance -
Orange Coast College
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