John Barton Email & Phone Number

Lexington, Kentucky, United States

Newport Beach, California, United States

• Analyze, underwrite, and decision consumer loan originations, emphasizing and selling the precision and subvention product throughout the western United States.

Cerritos , CA • Analyze, underwrite, and decision consumer loan originations, emphasizing and selling the precision and subvention product throughout California and Arizona. • Averaged over $4.3 million per month (2018) in volume from a dealer base of 12 Chevrolet dealers in central California and Arizona. • Selected by upper management twice to lead a CARE peer group to discuss internal office issues and develop solutions to better our work/home balance – several of my ideas were implemented within my 8 years of service at the company, and are still in use today.

Negotiate payment options and reschedule payment plans resulting in meeting my individual collection goal in December 2008, my first month on the floor; recognize high risk accounts and develop techniques to find customers whose whereabouts are unknown.

Analyzed, decisioned, and underwrote consumer auto loan originations, emphasizing the specialty prime product throughout the Northeastern US; originated over $100 million in auto loans in 2007, tracking $75 million in 2008; developed the Northeast into an $8 million territory within 2 months; provided an average yield of over 9.25% on each individual loan; built and grew professional relationships with all Northeast dealer personnel and territory sales representatives

Analyzed and decisioned consumer and commercial auto loan originations for Ford and non-Ford dealerships in the Orange County sales branch; originated over $600 million in loans annually; balanced portfolio risk management with increased contract volume objectives without negatively impacting the relationship between branch and dealerships; reduced decision/call back time by 50%

Assisted lease termination manager in all operations including scheduling, training, and monitoring staff in a high volume Service Center; coordinated contract terminations between dealers and customers to promote and secure repeat business; ensured that there were no past due lease terminations for three consecutive months on a dealer group of 60 dealers

Negotiated payment options, rescheduled payment plans, and facilitated repossessions which resulted in collecting 97% of the company’s outstanding accounts receivable; employed strong inter-personal skills to preserve positive rapport with internal and external customers; customer Satisfaction Index score was maintained at 91%