Cat Barrett

Experience

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  TMC/ANET1

  Nov 2006 - Sept 2008

  Senior Account Specialist
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  United Military Travel

  Oct 2008 - now

  Operations Manager

  Founded the oldest operating BNPL travel company, establishing an in-house portfolio of contracts. Facilitated seamless collaboration across multiple states and departments, while leading a fully inclusive team through effective DEI initiatives. Led PPC, social media, and email marketing efforts. Managed portfolio operations, including underwriting logic, automation, risk mitigation, fraud prevention, and payment processing. Successfully navigated multiple CFPB Civil Investigative Demands (CIDs) with no findings of wrongdoing, demonstrating robust compliance & risk management practices. Possess deep understanding of ECOA, FCRA, MLA, Reg E, Reg Z, UDAAP, & NACHA rules. Collaborated with IT, management, and entry-level employees to enhance CRM and servicing software, improving efficiency and streamlining loan processing. Handled HR and internal/external communications to align with company goals and culture, ensuring transparency while maintaining positive employee experience & high retention rates. Show less

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  Valor Capital Holdings

  Jan 2016 - now

  President

  As Member Manager of Valor Capital Holdings my responsibilities include: brand development and constructing business plans for financing retail installment contracts for an array of business models. Valor hand selects non-bank lenders for specific business demands. We offer in-house financing for the businesses we manage when a lender can't meet the client's demands. Valor Capital Holdings negotiates dealer discounts and studies market strategies in high risk financing. Valor Capital Holdings's specialty is in military and government financing, but offers financing options for civilian accounts. Having over eleven years experience in the military finance industry has helped me negotiate rates by studying different lending tactics offered in the industry. Valor Capital Holdings follows all federal and state compliance policies and educates employees on client awareness and the financial responsibility issuing credit carries. Our ability to analyze the financial risk on the lender side, while understanding the demand for funds on the dealer side has made our ability to get more approved loans granted by disputing declined applicants. The companies managed by Valor Capital Holdings have had astronomical growth by granting approvals when they are declined elsewhere. Our market strategies have increased profit margins by taking advantage of funded client accounts while using the same client base. Valor Capital Holdings has studied repayment histories on the accounts & makes the best decision for the dealer, lender, and loan applicant. The companies under Valor have the most sought after portfolios, not only for the volume, but for the quality of the accounts. The mature portfolios of the businesses managed by Valor have some of the highest funding rates in the market and carry the lowest default rates in the industry, which naturally makes the portfolio more desirable to non-bank lenders, resulting in better rates offered for our contracts. Show less