Drive Finance Company is an alternate finance company. We do not credit score because each and every car loan application is underwritten by a human being, not a computer system, enabling us to provide our customers with the auto finance support they need and can actually afford. We put the customer at the heart of every decision we make.

Automotive Consultantwww.bback.ca

Hired to develop and open alternative finance company in Canada for UK based parent company.Developed 100% of intellectual property for Canadian operations.Developed relationships with industry providers (Dealertrack, Casitron, Transunion, Equifax, Other)Developed policy and procedure manualsHired support staff (Dealer Relations, Credit Analyst, Customer Service)Hired support companies (Accounting and IT)Assisted with website design (worked closely with outside company)Setup office space (computer, phones, security, computer servers, furniture, etc...)Built company from ground up to 100% turn key finance company ready to open

Actively promoted TD Bank value proposition to new OEM car dealersLeveraged my industry experience and connections to introduce commercial bankers to new clients Expanded the bank’s market share (my territory is above the national average) through the acquisition and retention of new car dealers. Executed a sales plan for “Project 360” to develop my network of both internal TD staff and external business relationships for acquiring floor plan opportunitiesConcerted daily efforts to complete a robust sales pipeline management & reporting tool with carma sales.Prime communicator to a team of commercial bank Relationship Managers, DVP, SVP and TD Auto Finance Area & Regional Managers

Sales and Dealer Service:Built strong relationships with over fifty Toyota Dealers in Western CanadaPromoted Toyota Credit as main financing source for new and used finance contracts Consistently Increased Toyota Credit’s market share for retail, lease & retail used finance contractsClear and timely communication to dealerships all corporate plans and programsPromoted the sale of “Wear Pass” lease product sold at Toyota, Lexus and Subaru dealershipsAssisted remarketing by promoting the sales of Toyota Credit lease returns to reduce company residual lossesConducted training sessions on dealer credit, make lease grow and lease renewal with dealership Business Managers, Product Advisors and Lease SpecialistManaged credit risk – processed all dealer credit requests for floor plan, new mortgages and completed annual credit reviewsResponsible for financial analysis and processing of dealerships monthly financial statements including the preparation and analysis of floor plan over line reportsAssigned territory was the largest in Western Canada with 30 dealerships

People Manager:Managed a team of six ( 3 Credit Analyst and 3 Credit Investigator)Primary owner for Western Canada of Toyota Credit’s system conversion to Fiserv Provided regular coaching, mentoring and training to credit team membersConducted quarterly and annual performance reviews Achieved corporate and branch objectives relating to sales of both new and used finance contracts, dealer service levels and delinquencyEffectively communicated and negotiated with dealership management on conditioned or declined credit decisions ($100,000 credit limit)Responsible for interviewing and selecting candidates to Toyota Credit in Western CanadaAdditional responsibilities included scheduling / clearing audits and review of all new or renewing dealer credit requests prepared by Dealer Relations Managers

Responsible for making credit decisions on incoming credit applications submitted by dealers in Western Canada ($50,000 limit)Effectively communicated to Financial Managers viable options on conditioned deals to obtain credit approval without putting company at risk

Sales & Customer Service:CSO 6 (processing loan, mortgage & mutual fund transactions for clients)CSO 3 (consultative sales of all retail bank products / cross selling & up selling)Loans Clerk (assist senior lenders with credit investigations & paperwork)CSR (process customers daily transactions on banks front line)