Sonja Pennington

Experience

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  Dealer Funding

  Aug 2013 - Apr 2016

  Sales Market Consultant & Remarketing Assistant (Held 2 Positions, promoted) 2013-2016

  Consulted and collaborated with automotive dealers to secure sub-prime financing for their automotive clientele. Spearheaded and resolved automotive repossession efforts, bankruptcy claims, and warranty claims with customers and vendors.•Orchestrated sales activities, encompassing dealer prospecting, enrollment, training, and meticulous application submission.•Leveraged salesforce.com to oversee and optimize the dealer portfolio, meticulously tracking all activities.•Proactively engaged with dealers to gather essential information, facilitating swift approvals and timely loan funding.•Conducted rigorous analysis of billing, costing, pricing, and collections activities, ensuring strict adherence to billing regulations and policies.•Initiated, assessed, and meticulously tracked insurance claims, impound notices, warranty claims and issues, implementing decisive actions for optimal resolution. Show less

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  Ally

  May 2016 - Sept 2021

  Analyzed customer loan applications from automotive dealerships to make decisive approvals or denials based on rigorous analysis. Gathered and analyzed financial data from applicants, strategizing to convert denials into approvals for enhanced financing success rate.•Assessed and adjudicated consumer applications according to company underwriting policies.•Established and upheld a superior standard of customer service for designated territory.•Enhanced portfolio revenue through adept application of underwriting judgment and robust risk management practices.•Enforced adherence to underwriting policies, meticulously addressing elevated risk concerns and staying informed of policy and procedural updates.•Collaborated effectively with dealerships and funding teams to expedite approvals and secure funding. Show less Reviewed and processed automotive dealer applications, facilitating their acquisition of a finance source for automotive customers.•Scrutinized financial statements and supporting documentation from automotive dealerships, consolidating data sourced internally and externally for submission.•Conducted meticulous administrative reviews of licensing and related documentation to ensure company compliance with established guidelines.•Engaged and coordinated with automotive dealership personnel and account executives to gather comprehensive information.•Managed the setup of dealer accounts in essential systems such as CARS, CARRS, PC Tools, Smart Cash, Smart Auction, and Webtools.•Updated company records, logs, reports, and internal control systems with precision and efficiency based on findings from the review process. Show less Evaluated and processed automotive dealer applications, empowering them to secure crucial financing for their automotive fleet.•Compiled CIP (including initial OFAC, Bridger's, Negative News) packages for Manager review and QC approval.•Executed security filings (UCC) in strict adherence to state regulations.•Drafted comprehensive documents (wholesale, retail, security).•Secured dealer licenses in full compliance with state regulations.•Oversaw dealer account setup in essential systems (CARS, CARRS, PC Tools, Smart Cash, Smart Auction, Webtools). Show less

  • Underwriter Remote (Held 3 positions, promoted twice) 2016-2021

    Mar 2021 - Sept 2021

  • Associate Analyst - Retail

    Sept 2019 - Mar 2021

  • Associate Analyst - Wholesale

    May 2016 - Sept 2019
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  Young Harris College

  Sept 2021 - Jan 2022

  Financial Aid Advisor

  Evaluated students' financial situations through comprehensive analysis, crafting tailored aid packages that enabled them to fund their education. Certified federal aid packages and student loans, offering informed guidance to students regarding package specifics.•Delivered exceptional customer service and support to both internal and external clients via in-person visits, phone calls, and email correspondence.•Clarified and elucidated the college's financial aid policies and procedures to students, parents, and the community.•Electronically processed student aid applications, meticulously verified data, facilitated necessary corrections, and finalized financial aid awards.•Ensured absolute adherence to all Title IV regulations concerning aid eligibility.•Authorized designated state scholarship programs and disbursements within the colleague system and monitored work-study students' adherence to satisfactory academic progress requirements. Show less

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  TransUnion

  Jan 2022 - Jul 2024

  Client Data Fulfillment Analyst, Global Delivery

  Analyzed data sets, generated insight, and contributed to data-driven decision-making. Collaborated with cross-functional teams enabling clients to acquire new business, pinpoint profitable debt collection opportunities, and effectively managed existing accounts. Engaged with clients and sales teams, analyzed criteria meticulously, and orchestrated seamless order fulfillment solutions for internal stakeholders and external clients including banks, collection agencies, healthcare providers, and insurance firms.• Conducted thorough analysis, followed configuration and quality assurance guidelines, standards, and best practices. • Conducted routine data review and verification and ensured corrections/clarifications were made in a timely manner. • Investigated, tracked, and reported data issues. • Assumed and completed new data on-boarding and production data management functions as assigned. • Resolved and guided data sources to address fundamental data issues within a specific functional area or data type.• Lead as project manager for all orders, ensuring stringent adherence to timelines and regulatory standards. • Launched a peer-to-peer pilot program aimed at optimizing department workflows by training and mentoring five colleagues. Show less