Leshon Chibanda
Mission Viejo
Summary
Results-driven Credit Analyst with extensive experience in analyzing risk factors, fostering long-term client retention, and enhancing customer satisfaction through personalized service.
Overview
15
15
years of professional experience
Work History
Licensed Insurance Sales Agent
AAA Auto Club of Southern California
12.2024 - Current
- Evaluate and underwrite life, auto, and home insurance applications by analyzing risk factors, credit profiles, and policy eligibility to ensure sound underwriting decisions.
- Review customer accounts and coverage needs to recommend appropriate insurance products, increasing policy retention and driving cross-sell and upselling opportunities.
- Provide expert guidance to clients on policy options, coverage limits, and premium structures to deliver tailored insurance solutions and enhance customer satisfaction.
- Collaborate with other sales agents and internal teams to support new business development, policy renewals, and account management while maintaining compliance with underwriting guidelines.
- Build strong customer relationships through professional service, resolving policy concerns , explaining coverage details, and supporting long-term client retention.
Relationship Manager, Auto Loans
Capital One Auto Finance
01.2016 - 01.2024
- Built and maintained strong, high-value relationships with dealership partners and Key Decision Makers (KDMs), serving as a trusted resource to drive business growth, strengthen partnerships, and support long-term success.
- Leveraged strong communication, negotiation, and relationship-management skills to structure strategic deals, resolve complex issues, and align dealership goals with company objectives over the phone.
- Reviewed and analyzed underwriting structures for COAF to support sound credit decisions, ensure compliance, mitigate risk, and maintain alignment with lending and risk management standards.
- Proactively monitored monthly performance metrics, identified, opportunities for improvement, and implemented strategic adjustments to consistently achieve and exceed production goals.
Assistant Relationship Manager
Capital One Auto Finance
07.2011 - 01.2016
- Supported Relationship Managers in managing client portfolios, strengthening account performance, and delivering strategic solutions to meet financial goals.
- Built and maintained strong client relationships by delivering exceptional service, trusted guidance, and proactive financial support tailored to client needs.
- Served as a key liaison between clients, Credit Underwriters, Field Representatives, and internal partners to ensure seamless communication, efficient problem resolution, and a high-quality client experience.
- Maintained accurate, compliant, and up-to-date client records, documentation, and account activity to support operational excellence and risk mitigation.
Education
Bachelor of Science - Finance
The University of Texas At Arlington
Arlington, TX05.2000
Skills
- Licensed insurance agent
- Comprehensive Credit Expertise
- Adaptability and Responsibility
- Strategic Critical Thinking
- Interpersonal and People Skills
- Advanced Problem-Solving
- Exceptional Communication
- Collaborative Teamwork
- Strategic Negotiation
Timeline
Licensed Insurance Sales Agent
AAA Auto Club of Southern California
12.2024 - Current
Relationship Manager, Auto Loans
Capital One Auto Finance
01.2016 - 01.2024
Assistant Relationship Manager
Capital One Auto Finance
07.2011 - 01.2016
Bachelor of Science - Finance
The University of Texas At Arlington