Evaluate and decision retail and lease offerings: maximize revenue by balancing market penetration with sound risk management principles, demonstrate strong analytical skills with sound underwriting judgement, build and stregenthen rapport with dealer body by effectively communicating credit decision and providing prompt dealer service.

Responsible for generating business and deepening relationships by selling products and services to potential and existing customers.

Full accountability for the daily operations of a $450 millionportfolio. Liaison between business center executives and the dealer body. Negotiation of all aspects of the financing relationship. Exceeded retail acquisition goal in highly competitive environment. Acquired 43% of the new vehicle sales sold in assigned territory in 2008. 118% of goal, averaged $36 million in retail receivables.Maintained personal rapport and win-win relationships with clients. Provided wholesale financing for 80% of the dealer body in assigned territory for 2008. 105% of goal - wholesale portfolio in excess of $200 million.Captured $10 million in new and used wholesale lines of credit and $2.7 million in capital loans and equipment loans from buy/sell acquisitions originating in 2005, 2006, and 2007. Oversaw development and maintence of strategic planning between dealer body, retail credit and underwriting departments that ensured volume, credit quality, and regulatory compliance of policies and procedures.Successfully assisted the Dealer Credit Department in managing risk in the wholesale portfolio including liquidity analysis, mitigated potential losses through effective negotiations regarding recapitalization, and coordinated orderly liquidation of inventory at closed dealerships.

Analyze dealer, lessor, lessee and automobile records, financial statements, and credit reports relating to these accounts for the purpose of recommending extension of new credit or continuation of existing credit lines, and to recommend to the Dealer Credit Manager appropriate action to be taken.

Analyze and investigate retail and lease credit offerings and communicate decisions back to appropriate dealership personnel. Build positive dealer relations while increasing market presentation and selling the value and benefits of retail programs. Collaborate with center executives and field staff in establishing and implementing individual dealership goals and objectives.

Responsible for managing the daily operations of the collection department, and mentoring the efforts of 6 telephone adjustors.

Customer Service Representative, Telephone Adjustor, Wholesale Inventory Auditor, Cashier.