Cornelius Richards Email & Phone Number

San Diego, California, United States

*Spearhead the delivery of the NextGear experience to dealer partners through transparent communication and simplified product offerings.*Mastered in-depth knowledge of simplified solutions and product offerings, resulting in teh growth of dealer partner base and achievement of floor-plan production goals.*Implemented frequent in-person interactions and solution-oriented consulting approach to drive market retention rates and reduce inactive dealer partners. *Earned additional market share by providing real-time solutions to daily problems, positioning NextGear as a trusted partner in dealers' business growth. *Maintained an entrepreneur's mindset , effectively controlling portfolio losses, and balancing exceptional customer service with minimal loss tolerances .*Embraced a culture of simplicity, transparency, and flexibility to provide the ultimate NextGear experience to dealer partners and auction partners.*Utilized market awareness and solution-oriented mindset to represent the NextGear experience above competitors, leading to increased market recognition. *Fostered meaningful relationships with internal and external partners through transparent communication, resulting in increased accessibility and availability.*Excelled in maintaining a working knowledge of industry trends and market dynamics, ensuring proactive adaptation to changing market conditions. *Consistently exhibited expertise in portfolio management, exceeding expectations in delivering outstanding service and achieving business objectives.

San Diego, California, United States

* Manage overall day to day branch operations by enhancing branch profitability, control, and growth through effective leadership and employee development.* Set KPIS/Goals for the branch.* Responsible for meeting company revenue goals by achieving or exceeding monthly budget expectations.* Responsible for recruiting, interviewing, hiring, and developing team members.* Developed and executed daily, monthly, quarterly, and yearly strategies to hit targets.* Managed collection activities including consulting with customers on loan payments for past due accounts.* Assigned duties to employees frequently examining their work for accuracy, neatness, and timeliness. * Drove new growth by managing P&L.* Cultivated new relationships with local retail business.* Perform monthly branch audits according to company procedures to include cash levels, post dated checks, customer loans, and inventory.* Oversaw credit application process which includes underwriting credit verification and determining credit limits.* Analyze statistics and reports to discover, and leverage business performance and trends

San Diego, California, United States

* Participated in the hiring, training, coaching, supervision and performance evaluations of all branch personnel; also responsible for employee counseling, documentation, and dismissal.* Ensured staff is updated on changes in policy and procedures; ensure staff is thoroughly trained in all products and services. * Assisted with coordination of ongoing cross-training of all branch personnel.* Provide guidance and leadership to staff and assist staff with improving performance* Act as loan officer, ensuring loan decisions are made in a timely manner based on credit scoring guidelines * Supervise work flow and coordinate scheduling of branch personnel.* Monitor daily branch balancing, and branch reports/accounts for accuracy and audit conformity. * * Responsible for consistent compliance with operational policies and procedures

San Diego, California

* Reviewed loan files and loan documents for completeness and accuracy ensuring compliance with policies and state and federal regulatory requirements.* Managed the receipt, scanning and indexing of loan files or documents from internal departments, third party vendors, external business partners such as title companies and loan customers.* Reviewed title reports, payoffs, income documents, and all supporting conditions for required standard compliance prior to underwriter submission.

Gainesville, Ga

* Responsible for the performance management of the staff, including daily feedback, coaching and mentoring; administration of appraisals that are timely and meaningful. * Monitored schedules, reviewed and approved timesheets of staff, and ensured all expenses are reported as per company policy. Scheduled and provided staff the opportunity for meal and rest breaks, while ensuring operational coverage is maintained.* Monitor cash operation and branch self-auditing efforts to keep assets secure and within operational limits* Administer branch budgeting, purchasing and records retention for business expenses* Conduct recruiting, on-boarding and initial training of new team members* Ensure the branch team develops, achieves and maintains product, service and business goals including to cross-service products and services