Colby Ritter Email & Phone Number

Brentwood, Tennessee

Sub-prime auto finance

Antioch, Tn

Consumer Finance

Sub-prime automobile financing

·Built relationships with over 100 automobile dealerships and their personnel in Middle and West TN·Grew dealer base from 70 to over 145·Grew consumer contract volume by over 300%·Grew market share by over 300%

·Opened new branch office for a nationwide automotive finance company·Established relationships with over 100 local independent and franchise automobile dealers·Grew office to over $5mil in outstandings in first year with below 1% delinquency and below 3% losses

·Supervised 15-20 associates·Participated in development of Behavioral Scoring, a corporate project designed to improve credit risk·Led a project for Honda in which standards for training were developed for all associates in collections and customer service, in order to improve the processes and to develop a career path for all entry level associates

·Supervised a team of 6 collection representatives, this included training and performance analysis·Reduced team delinquency below branch objective, while maintaining minimal losses·Reduced losses on a $1 billion portfolio from near 4% to below 2%·Analyzed dealership financial statements and prepared credit review packages