Marty Cothran
Inman,WI
Summary
- Hard-working professional with 14+ years of experience and a proven knowledge of asset management, audits, and investor relations. Aiming to leverage skills to successfully fill the Funding role at this company.
Overview
16
16
years of professional experience
Work History
Senior Consumer Loan Specialist
Republic Finance
10.2022 - Current
- Increased loan application approvals by carefully evaluating financial information and credit history.
- Streamlined loan processing procedures for faster turnaround times and improved customer satisfaction.
- Assisted in the development of new lending products to better serve diverse client needs.
- Ensured regulatory compliance by staying up-to-date with industry legislation, guidelines, and best practices.
- Reduced delinquency rates through effective communication and negotiation with borrowers experiencing financial difficulties.
- Provided exceptional customer service, addressing inquiries and resolving issues in a timely manner.
- Developed strong relationships with clients, resulting in repeat business and referrals for additional loans.
- Collaborated with underwriters to optimize loan conditions for both the lender and borrower.
- Managed a portfolio of consumer loans, ensuring timely repayments and monitoring performance metrics.
Funder
Stearns Wholesale
11.2020 - 03.2022
- Complete the full funding process in a timely manner
- Review all executed loan documents thoroughly
- Provide title agents and brokers with any needed information
- Fully balance a closing disclosure to prevent errors in the closing process
- Review and satisfy each funding condition listed to prevent future suspenses
- Prepare collateral packages
- Verify employment of borrowers
- Coordinate fundings
- Request wire transfers
- Confirms receipt of funds.
Branch Manager
First Heritage Credit
07.2017 - 08.2020
- Open a brand new consumer loan office
- Hire and train 4 employees
- The office was expected to maintain 4 employees at all times
- Loan approval based off of consumers credit history
- Sale insurance products to consumer for loan protection
- Meet company standards in retention and profits.
Branch Manager
Southern Management Corporation
11.2007 - 07.2017
- Establish and maintain relationships with individual or business customers or provide assistance with problems these customers may encounter
- Examine, evaluate, or process loan applications
- Oversee the flow of cash or financial instruments
- Recruit staff members and oversee training programs
- Network within communities to find and attract new business
- Approve, reject, or coordinate the approval or rejection of lines of credit or commercial, real estate, or personal loans
- Prepare financial or regulatory reports required by laws, regulations, or boards of directors
- Establish procedures for custody or control of assets, records, loan collateral, or securities to ensure safekeeping
- Review collection reports to determine the status of collections and the amounts of outstanding balances
- Prepare operational or risk reports for management analysis
- Evaluate financial reporting systems, accounting or collection procedures, or investment activities and make recommendations for changes to procedures, operating systems, budgets, or other financial control functions
- Plan, direct, and coordinate risk and insurance programs of establishments to control risks and losses
- Submit delinquent accounts to attorneys or outside agencies for collection
- Communicate with stockholders or other investors to provide information or to raise capital
- Evaluate data pertaining to costs to plan budgets
- Analyze and classify risks and investments to determine their potential impacts on companies
- Review reports of securities transactions or price lists to analyze market conditions
- Direct insurance negotiations, select insurance brokers or carriers, and place insurance
- Develop or analyze information to assess the current or future financial status of firms.
Education
High School Diploma -
CHAPMAN HIGH SCHOOL
INMAN SC 05.2004
Skills
- Team Building
- Fully knowledgeable with any computer software
- Financial analysis
- Customer service
- Decision-making
- Multitasking
- Underwriting principles
Accomplishments
Employee of the month for the months of April, May, June, July, August, September, October, and November 2023.
References
*COOPER SIMMONS (864)980-4439 williamcoopersimmons@republicfinance.com, Branch Manager, Republic Finance
*DALE SUDDETH, (864) 907-9404, Rdsuddeth@gmail.com, Bank Operations Manager, 5TH THIRD BANK
*DAVID GEORGE, (803) 394-6658, Dgeorge3030@gmail.com, Loan Officer Director, Auto Loans Of Columbia
*NORA MOSS, (714) 865-2551, Nora.moss83@gmail.com, Closing Manager, Stearns Wholesale
Timeline
Senior Consumer Loan Specialist
Republic Finance
10.2022 - Current
Funder
Stearns Wholesale
11.2020 - 03.2022
Branch Manager
First Heritage Credit
07.2017 - 08.2020
Branch Manager
Southern Management Corporation
11.2007 - 07.2017
High School Diploma -
CHAPMAN HIGH SCHOOL
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