1. MARTIN OMOKHAPE AGBUGUI
Southfield, MI Email: email@example.com Cell: 215-609-2680
Professional experience in Risk, Credit, Financial Analysis, Sales and Marketing, and Team Leadership within the financial
industry. An independent self-starter; logical and task-focused person who is highly analytical, innovative, and organized with
a history of accurately assessing business risk assessments. I have excellent communication, interpersonal and presentation
Strong critical thinking, problem solving, and time management skills with proven success handling multiple
responsibilities and projects. Able to adapt within a demanding, fast-paced and often changing corporate
environment; while meeting and exceeding organizational objectives and deadlines.
Natural talent in building and leading high performing teams, including union employees, instilling customer focus
and accountability to achieve mutual goals and objectives.
Exhibits a high degree of attention to detail
Demonstrated the ability to execute various projects, administered process improvements.
AREAS OF EXPERTISE
Portfolio & Project Management / Accounting / Tracking & Forecasting / Process Improvements / Employee
Coaching/Development / Training & Development / Vendor Relations / Cold Calling & B2B / Negotiating & Closing /
Customer Relationship Management
Wells Fargo–Southfield, MI 2016- PRESENT
Consumer Loan Underwriter ll
Responsible for conducting credit review and processing loans in a timely manner for my dealer group. Functions include:
analyzing loan requests, conducting forecast analysis, providing support to the dealers and the sales representatives and
coordinating activity in support of credit approval process.
Each day incudes:
•Evaluating and ensuring overall loan documents are accurate, complete, and compliant.
•Reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value) and other supporting
•Using an automated scoring system or traditional underwriting to determine acceptability of moderate requests.
•Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit
decisions, and/or to sell/promote line products.
•Staying abreast of any changes in underwriting provisions.
•Working with production to resolve questions when possible
•Review work quality for other credit analysts
JP Morgan Chase–Troy, MI 2013- 2016
Consumer Loan Underwriter II
Assisted over 200 finance managers reviewing credit applications according to business standards and reviewing funding
procedures for accuracy. Coordinate underwriting strategies with the Sales Representatives for assigned dealers. Build and
maintain dealer relationships.
Conducted Investment Risk analysis by reviewing of income, assets, credit and collateral documentation within the
loan files to ensure that appropriate decisions is made as to evaluate the risk.
Evaluate the financial ratios, using computer programs to assist, evaluate customers' financial status and credit
Maintained or exceeded daily quality standard of 95 % or better with no Critical errors that could cause a loss.
Maintained or exceed daily production.
Ensured all required underwriting and compliance training is completed weekly/monthly. This includes Training,
Policy and Procedure changes, Anti-Money Laundering, Treating Customers Fairly, and Americans with Disability Act,
Privacy Awareness and IT.
Provided clear and concise communication with management, sales and operations staff regarding the conditional
approval commitment to ensure the best possible experience for the customer.
2. MARTIN OMOKHAPE AGBUGUI 215-609-2680 PAGE 2 OF 2
PROFESSIONAL EXPERIENCE, Continued
JP Morgan Chase–Troy, MI
Trained my office on using our new system for looking at loans
Recognized for great customer service by the District Manager
Credit Acceptance–Southfield, MI 2010-2012
Credit Analyst - Loan Funding
Serviced over 300 dealerships and assisted dealers with structuring loans to close deals. Exceeded expectations for outbound
calls to dealers, performing job duties efficiently and providing excellent customer service to all dealers and customers.
• Reviewed all contracts to ensure that loans meet legal policy and funding compliance requirements.
• Gather documents to resolve open stipulations on loans to help ensure the maximum payout is paid to the dealer on
every loan and to help sell on any advance adjustment.
• Directly supported Regional Manager by controlling daily resources allocation and performing administrative tasks as
Chrysler Financial Services–Philadelphia, PA & Troy, MI 2008 – 2010
Manager, Late stage collections
Supervised, trained, coached and motivated a team of 12 United Auto Workers employees; improving and implementing
strategies and guiding behaviors to help them excel in their current and future positions. Analyzed daily reports to produce
strategies to enhance performance. Served as a Court liaison for trail cases for Chrysler Financial earning a favorable judgment
in 100% of the court cases.
• Developed daily strategies that managed a multimillion-dollar portfolio.
• Achieved over 100% in goals for 2009 during the company liquidation.
• Served as a Court Liaison
• Hand selected by senior management to successfully resolve legal judgment disputes while representing court cases.
• Reviewed accounts for repossessions;
• Implemented process improvements based by evaluating agents call quality.
Chrysler Financial Services Americas LLC – Philadelphia, Pa 2005 – 2008
Customer Service Representative
Managed a $4 Billion portfolio comprised of lease and retail accounts. Exhibited superior customer service, call handling and
negotiation skills to secure payments and reduce loss. Investigated and skip traced to locate customers. Issued documents for
repossessions and submit information for court action, following company and state law procedures. Guided and trained new
employees (48) on the strategic use of collections.
• Selected by senior management to head the Overseas Military Portfolio with over 1000 accounts.
• Excellence Award –Nominated by peers & management for exceeding goal achievement.
• Ranked in the top 10 out of 200 employees in the country in delinquency goals for high risk accounts.
• Instrumental in the portfolio transition of litigations during company liquidation.
• Collaborated on the standardizing the process flow of overseas military accounts.
• Developed and implemented tools to enhance employee performance.
Bachelor of Science Degree in Business Administration / Marketing - Strayer University, Philadelphia, PA
Associates Degree, Film and Video Production - Art Institute of Philadelphia, Philadelphia PA
TECHNOLOGY PROFICIENCY: MS Office, Word, Access, Excel, PowerPoint; Lotus Notes, Proprietary Software