Kyle Ross
Milton,ON
Summary
Senior Credit Analyst with expertise in underwriting credit bureaus and developing methodologies to predict future risk behaviors and inside sales experience. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
12
12
years of professional experience
Work History
Sr. Credit Underwriter
iA Auto Finance
07.2021 - Current
- Close deals by interacting with dealers and sales reps daily to add strength to iA Auto's lending book and refuse deals or exceptions deemed too risky
- Action the most complex credit scenarios escalated by our sales team
- Mandated to increase risk and return where suitable and limit risk where appropriate
- Overhauled and maintain the department's extensive, complex Underwriting Policies workbook in Microsoft Excel
- It is used on a daily basis by the team to execute their roles effectively
- Managed the training for multiple new hires and re-trained a team member returning from maternity leave
- Implemented policy changes and approaches to underwriting
- Examples include a more aggressive and competitive approach to waiving income on stronger profiles
- As well as a more aggressive and comprehensive approach to weaker, 'no-hit' bureau profiles
- Ranked in the top 10% of the company in 2021 and 2022 annual performance reviews
- Received multiple awards through our company's rewards and recognition program.
Credit Associate
RBC Private Banking
- Supported the Regional Director, Credit in the preparation of statistical analysis of various metrics
- Prepared credit applications for loans, Visa cards and other credit products ensuring elevated levels of accuracy.
Credit Underwriter
iA Auto Finance
07.2019 - 07.2021
- Credit underwriting for sub-prime auto applicants, maintaining high volume output with adherence to detail and policy
- Created multiple automatic decision processes which led to more business in various segments
- Received multiple awards from our company's rewards and recognition program
- Headed training for multiple new hires on the daily tasks of an underwriter
- Challenged and questioned underwriting policy which led to implementation, increasing market share and limited risk
- Recognized by management as a top performer based on the daily tracking of every aspect of the job.
Funding Analyst
iA Auto Finance (Acquired Canadian Title Loans Corp in 2016)
12.2015 - 06.2019
- Led coaching and training of new hires and co-op students
- Created strategies and policies which were adopted and drove improvements in dealer relations
- Instrumental in creating a process to verify vehicle trims to reduce losses where vehicle values were overstated.
Office Administrator
Canadian Title Loans
05.2012 - 07.2014
- Handled daily phone calls, mail intake and other clerical tasks
- Completed multiple projects, including bringing a paper-based loan filing system to a data-based CRM
- Aided the executive team in preparing for meetings with potential investors and buyers.
Client Assistance Officer
RBC Private Banking
- Assisted clients with processing of banking transactions
- Operated the front desk, greeting and servicing clients in the branch.
Education
Bachelor of Business Administration (BBA) -
Wilfrid Laurier University and Sheridan College
01.2014
Skills
- Training and mentoring
- Expertise in credit analysis
- Inside Sales
- Teamwork and Collaboration
- Problem-solving skills
- Customer Service
- Goal-Oriented
- Relationship Building
- Outgoing Personality
- Client Service
Languages
English
Native or Bilingual
Hobbies and Interests
- Brain games like Sudoku, The NYT Crossword and Spelling Bee
- Spending time with my wife and two boys
- Staying active through hockey, snowboarding, golf, and general fitness
Other Activities
Created and ran company softball team for 2 seasons
Volunteer Experience
Volunteered multiple years for the Jack Ride, a charity cycling event raising money for youth mental health
Timeline
Sr. Credit Underwriter
iA Auto Finance
07.2021 - Current
Credit Underwriter
iA Auto Finance
07.2019 - 07.2021
Funding Analyst
iA Auto Finance (Acquired Canadian Title Loans Corp in 2016)
12.2015 - 06.2019
Office Administrator
Canadian Title Loans
05.2012 - 07.2014
Credit Associate
RBC Private Banking
Client Assistance Officer
RBC Private Banking
Bachelor of Business Administration (BBA) -
Wilfrid Laurier University and Sheridan College
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