Ryan Dozier
Colorado Springs
Summary
Extensive experience in the automotive finance and banking industry. Background in portfolio management, risk mitigation, credit analysis, management, loan originations, employee management, fraud prevention, skip tracing, and customer service. Maintained accurate and compliant data and documents to manage legal compliance. Experience in management, fraud prevention and detection, leading optimization projects, collaborating on risk models, coordinating logistics based on company-led restructuring, and conducting training sessions across various departments.
Overview
9
9
years of professional experience
Work History
Portfolio Analyst
Ford Credit
01.2024 - Current
- Regional monitoring of operational performance, portfolio returns, and risk monitoring while coordinating and collaborating with the In-Market Sales Teams and Credit Department
- Approve and review credit packages to ensure credit requests are completed in a timely manner while meeting procedural requirements
- Responsible for providing proactive risk mitigation and action planning to reduce the company's exposure for the most high risk dealerships, potential loss situations, and potential fraudulent situations
- Lead the wholesale acquisition and loan request in full to capture Market Share while managing the associated risk
Dealer Credit Specialist
Ford Credit
09.2022 - 12.2023
- Effectively manage credit risk and exposure for the company's high risk commercial lending portfolio
- Complete complex credit packages including wholesale financing, capital loan financing, and mortgage lending
- Provide department training for new members to assist in employee development
- Assist with the coordination and management of Out of Trust dealership situations
- Ensure compliance with all applicable policies and procedures
Originations-Team Leader
Ford Credit
05.2021 - 05.2022
- Provide leadership within the Dealer Services Department to ensure contracts are funded in compliance with Truth-in-Lending, State laws and regulations, and procedural requirements
- Review purchasing exceptions, Line of Defense opportunities, and ensuring Dealer Reserve is monitored
- Assisting in employee growth and development
Dealer Credit Analyst
Ford Credit
04.2018 - 07.2020
- Effectively assess and monitor credit risk and exposure, develop action plans, and follow-up on progress of action plans through the use of Watch Reports, Dashboards and Credit Packages in accordance with procedural standards
- Actively work with the Sales Teams, Dealer Credit, Wholesale, and other Center Teams to share knowledge and assess risk
Dealer Service Analyst
Ford Credit
06.2016 - 04.2018
- Analyze and decision consumer credit applications
- Verify customer identity, prevent fraud or straw purchases, and perform due diligence to make appropriate credit decisions
- Sell the benefit of the Company's value proposition to the dealers and effectively maintain a consistent purchase policy based on dealer support, liquidation experience, and management direction
Customer Service and Skip/Fraud Representative
Ford Credit
01.2016 - 06.2016
- Minimize portfolio risk and credit losses through effective calls, effective account management and appropriate account resolutions
- Tasked with locating skip and fraud customers in a severe default situation
- Educate the customer on Ford Credit policies and procedures as appropriate
- Service all customers and dealers promptly, courteously, and professionally to achieve targeted Customer Satisfaction and Dealer Satisfaction objectives
Education
BACHELOR OF SCIENCE - International Business
UNIVERSITY OF COLORADO AT COLORADO SPRINGS
Colorado Springs, CO01.2015
Skills
- Portfolio Management
- Risk Management
- Financial Analysis
- Fraud Risk Identification
- Leadership
- Analytical Skills
- Decision Making
- Customer Relations
- Oral and Written Communication
- Conflict Resolution
- Trusted Advisor Consulting
- Self-sufficiency
Timeline
Portfolio Analyst
Ford Credit
01.2024 - Current
Dealer Credit Specialist
Ford Credit
09.2022 - 12.2023
Originations-Team Leader
Ford Credit
05.2021 - 05.2022
Dealer Credit Analyst
Ford Credit
04.2018 - 07.2020
Dealer Service Analyst
Ford Credit
06.2016 - 04.2018
Customer Service and Skip/Fraud Representative
Ford Credit
01.2016 - 06.2016
BACHELOR OF SCIENCE - International Business
UNIVERSITY OF COLORADO AT COLORADO SPRINGS
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