1. JAMES GARY MOODY
618-925-7080 | jgmoody1969@gmail.com
EXPERIENCE SUMMARY
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Dedicated to excellence and achievementwith extensive experience in CreditRisk,Personal Finance,Mortgage
Underwriting, Insurance,Sales,Business Development, Collections,Loss Mitigation, Management, Team Building
and Customer Service. Always eager to learn,expand my skills and experience new challenges.
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01/2016 to INDEPENDENT CONSULTANT
Present Owner / Sole-Proprietor
 Providing consulting services pertaining to Credit& Loan Analysis, Solicitation,Collections,Business
Developmentand Insurance.
05/2007 to SPRINGLEAF FINANCIAL SERVICES, INC. (FKA AMERICAN GENERAL FINANCE, INC.) - Marion, IL
07/2015 Branch Manager / Lead Underwriter
 Achieved quality growth of the portfolio of a successful personal lending office with netreceivables of $4 million+
and approximately830+ accounts.
 Achieved Net Operating Income of 10% to 15% annuallycontributing on average $500,000 to $750,000+ in net
profit to the organization each year.
 NMLS Certified Loan Originator underwriting Personal Loans,Automobile Financing, Conventional Real Estate
Mortgage Financing,Home Equity Lines ofCredit and Consolidation Loans.
 Approved and Performed Loan Closings with clients,Identified Cross-Sell Opportunities,Performed sales of
agency products and services,including Creditand Non-CreditInsurances.
 Sourced and Developed new Loan Business utilizing existing customers and a network of outside dealers such
as automobile dealers,motorcycle and ATV dealers,home improvementcontractors,realtors,insurance
agencies and other local lenders.
 Maintained a customer satisfaction rating of97% or higher.
 Devised, Implemented and Monitored successful solicitation and collections programs therebyincreasing growth
and minimizing losses.
 Implemented Hiring,Training,Coaching,Scheduling,ConflictResolution, Discipline and Annual Performance
Reviews of branch staff.
 Performed cashiering and frontcounter operations. Prepared and analyzed internal branch monitoring reports.
 Maintained 100% auditcompliance adhering to Sarbane's-Oxley,The Bank Secrecy Act, Anti-Money
Laundering,OFAC, USA Patriot Act, Privacy Act, CommunityReinvestmentAct, ECOA. EEOA, Graham -Leach-
Bliley Act, FCRA, Wage & Hour Compliance, TILA, RESPA, Frank-Dodd Act, etc.
05/2005 to AMERICAN GENERAL FINANCE, INC. - Harrisburg, IL
05/2007 Branch Manager / Lead Underwriter
 Corrected problem areas,improved branch operational efficiency,reduced branch delinquencypercentto .97%
in 2006,which was the lowestin the division of 70+ branches placing the branch in the top 10 of 1100+ branches
in the company.
 Consistentlyachieved one of the highestnetoperating income percentages,thereby producing $1,033,969 in
profit for 2008 alone,placing the branch in the top 10 branches in the division.

2. 10/1997 to AMERICAN GENERAL FINANCE, INC. - Marion, IL
05/2005 Assistant Manager / Financial Representative
 Solicited and sold Personal Loans,Conventional Real Estate Mortgages,Revolving Home Equity Lines ofCredit
and Insurance products.
 Serviced existing dealers and customers while activelysourcing new dealers and customers to offer agency
products.
 Managed and supervised staff.
 Performed collection activities including field calls,repossessions,litigations and wage assignments.
 Performed cashiering,balancing and control.
08/1996 to GILSTER-MARY LEE CORPORATION - Chester, IL
09/1997 Shipping and Receiving Specialist / Tow Motor Operator
 Coordinated shipping and receiving offinished productand raw materials in a manufacturing /warehouse
setting.
 Maintained warehouse operations.
06/1990 to SOUTHERN ILLINOIS UNIVERSITY - Carbondale, IL
08/1996 Assistant to the Custodian of University Housing
 Supervised StudentLabor, Performed Building Services, General Maintenance and Janitorial duties.
EDUCATION SUMMARY
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08/1996 Masters of Business Administration
Southern Illinois University - Carbondale,IL 62901
12/1993 Bachelor of Science: Finance and Business Economics
Southern Illinois University - Carbondale,IL 62901
CERTIFICATION SUMMARY
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State of Illinois Insurance Producer License
License # 2165296 - March 1998
Life, Health & Casualty
NMLS of 2008 Certified; Illinois Residential Mortgage Loan Originator License
License # 218977
State of Illinois Notary Public
Commission # 631499
August 2005 thru September 2013
Certificate in Model-Netics
Main Event ManagementCorporation
April 2007