Justin Restifo

About Justin Restifo

CAREER SUMMARY: Underwriter with experience working independently and as part of a team…

Experience

1. Consumer Underwriter at Ally Financial Inc

   Ally

   Mar 2023 — Present

   Analyzed deals using acumen skills to best serve our clients needs. Reviewed policy and/or pricing exceptions and assisted in daily operations, by evaluating credit applications using various computer applications, while working with over dealers in the North East Market. Reflected and utilized quantitative data to partner with the sales team to achieve or exceed district/regional volume & profitability targets. Structured decisions to maximize portfolio revenues/profit and enhanced relationships by practicing sound judgment and risk management principles. Upheld the pinnacle of courtesy with clients by maintaining the “Golden Rule”, “Do It Right”, and the L.E.A.D. Mottos. Adhered to credit policy and checked for fraud while ensuring compliance with underwriting policies; elevated risk issues and stayed abreast with changes in policy and procedure. Acknowledged for working with dealers to structure decisions to maximize profit and enhance relationships turning around auto declines, rate shaves when needed and tier bumps for top performing dealers or for the right customer. Assisted with training new employees. Initiated sales calls via telephone, and where appropriate, prepared written follow-ups, resulting in most outbound calls for the region for 36 months in a row (over a month for 36 months in a row).

Skills

• Credit
• Financial Modeling
• Mortgage Lending
• Financial Analysis
• Investment Banking
• Credit Risk
• Portfolio Management
• Loans
• Retail Banking
• Underwriting
• Commercial Lending
• Small Business Lending
• Financial Risk
• Commercial Banking
• Banking
• Risk Management
• Consumer Lending
• Fixed Income
• Loan Origination
• Credit Analysis