1. MichelleSimmons
5539 Soundside Drive #F, Gulf Breeze, Florida32563
(850) 375-6538 hurricanesdidit@outlook.com
www.linkedin.com/in/michellegerowsimmons
Professional skills
Leadership, Communication, Supervision, Credit Analysis, Sales, Negotiations,
Organization, Trouble shooting, Relationship building, Networking and multi-tasking.
Qualifications
ExeterFinance,SeniorCredit Analysts June 2013 – April 2015
Indirect auto loan underwriting from franchise and independent car dealers; dealer visits
and some remote buying. Multiple time winner of Credit Analyst of the Month. Our branch
has been recognized multiple times as Branch of the Month both in our Regions and
companywide and 2014 Branch of the Year.
Self/ Real Estate Broker, E-PRO, GRI, SFR, SRES, BPO March 2007 – June 2013
Representing buyers, sellers, builders and investors in all aspects of personal real estate.
Southeast Financial Federal CU, Loan Officer, January 2006 – March 2007
Processed installment loan applications for members. Analyzed credit reports, members
debt and verifications. Cross sold products and services to benefit our members.
Dell Computers, Nashville, TN Sales Consultant July 2004 –March 2005
Sold computer packages, service agreement; electronic accessories and finance options
in an inbound call center.
WFS Financial, Nashville, TN Credit Analysts April 2001- December 2003
Indirect loan underwriting from franchise and independent car dealers; dealer visits and
remote buying. Funded over $30 million in volume and maintained 1.38% charge off for
2002. Toyota Mania contest winner for SE Division and multiple winner of Analyst of the
Month.
Arcadia Financial, Brentwood, TN, Credit Analyst August 1999-March 2001
Indirect auto loan underwriting; negotiated rate, term, ltv and dealer reserve within policy.
Maintained book-to look, return on equity and efficiency ratios. Developed new and
existing dealer relationships while providing quality service.
New Century Mortgage, Nashville, TN Loan Officer March 1998-August 1999
Processed a variety of mortgage products, Identify sales opportunities by evaluating
customer’s current needs and objectives to effectively recommend additional products
and services.
National Auto Finance, Boca Raton, FL Credit Analyst April 1997-March 1998
Indirect auto loan underwriting. Worked on site sales, cold calls and dealer visits; ensured
loan policy was adhered to. Team Leader; trained and supervised date entry and
investigators.

2. First Financial Accept., Ft Laud, FL Senior Credit Analyst, May 1996-April 1997
Trained and supervised credit department for a new, start up indirect auto finance
company; underwriting sub-prime auto loans.
Broward Schools Credit Union, Ft Lauderdale, FL
AVP/Branch Manager February 1981-May 1996
Processed installment and mortgage loans; cross sold products and services to
members. Managed all facets of the branch and had thorough knowledge of all savings,
loan and investment products and services. Fully responsible for cash vault and
maintaining the ATM machines. Worked on conversion team during two major computer
conversions.
Technical Experience and Education
Florida Real Estate School for Sales Associate – completed December 2015
FL Real Estate Sales Associate #SL3343998
TN Real Estate Broker License #311154 (retired)
FL Real Estate Sales License #457699 (retired)
GRI, BPO, EPRO, SFR, and SRES designations
Crye-Leike College
College courses in Accounting, Business Management and Computer Software. Skilled
in Microsoft Word, Excel, Photoshop and Power point.
Prior Member of Greater Nashville Association of Realtors, Tennessee Association of
Realtors and National Association of Realtors.
References
Available upon request