Nicolette Ratcliff
Buckeye
Summary
Dedicated professional with an extensive career of 4+ years consumer credit analysis and underwriting. Exceptional written and verbal communication skills and great prioritization abilities. Familiar with operational procedures, conflict resolution, and possess a positive attitude.
Overview
10
10
years of professional experience
Work History
Senior Credit Analyst/ Underwriter
Stellantis Financial Services
06.2022 - Current
- Review Indirect Auto loan credit applications and render appropriate credit decisions with policy requirements and in compliance with all regulations
- Review supporting documents to ensure conformity for Stellantis Financial Service and its policies, are complete, accurate and reflect proper approval authorities
- Verify information on the credit application pertaining to employment, residence and credit history and closely inspects loan package documentation for suspicion of fraud
- Serve as a liaison between Stellantis Dealers, Loan Officers and Dealer Relationship Managers and assists in resolving funding issues
- Follow up with dealer contacts and Dealer Relationship Managers to resolve contract and/or documentation deficiencies, or negotiate structure on anticipated contracts
- Perform other duties as assigned
Underwriter
Upgrade Inc
04.2020 - 04.2022
- Reviewing and identifying financial documents, assisting applicants over the phone, gather additional documents and following up with applicants to verify financial information to decision the loan application
- Calculations of income along with reviewing credit report history to determine appropriate decision
- Assessing the adequacy of loan policies and determining if loans are made in accordance with regulations
- Special projects when requested
Financial Crimes Specialist
Wells Fargo
03.2015 - 03.2020
- Navigate multiple computer systems and research customer needs and offer solutions, all while communicating effectively and accurately when delivering information
- Conduct data and onsite reviews, review findings, determine risk level and recommend fraud prevention strategies
- Perform investigative research, root cause evaluation and consulting regarding complex financial crimes transactions, policy violations and suspicious situations with moderate to high risk
Education
High school equivalency diploma -
SOUTHWEST WISCONSIN TECHNICAL COLLEGE
Fennimore, WI05.2011
Skills
- Microsoft office proficiency
- Critical thinking
- Reflective thinking
- Responsible decision making
- Adaptability
- Planning
- Actuation
- Control assignments
- Problem solving
- Analytical skills
- Teamwork
- Positive mindset
- Detail oriented
- Statistical processes knowledge
- Decisioning
Timeline
Senior Credit Analyst/ Underwriter
Stellantis Financial Services
06.2022 - Current
Underwriter
Upgrade Inc
04.2020 - 04.2022
Financial Crimes Specialist
Wells Fargo
03.2015 - 03.2020
High school equivalency diploma -
SOUTHWEST WISCONSIN TECHNICAL COLLEGE
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