Nicole Dean Email and Phone Number

The nation's #3 auto lender and the #1 used car lender; Performs a wide range of sales duties relating to the acquisition of automotive loans from third party originators serving as the TOP PRODUCING wholesale loan originator in the Midwest regionManages pipeline to achieve performance plans, i.e., mix, volume, conversion ratios, expenses, and negative dealer reserve.Establishes new relationships to support performance criteria, enhance current relationships, and/or terminate non - performing dealersComplies with reporting standards on territory competitors (maintain an up-to-date rate book) and dealers as needed, completing all field related and dealer calls in Contact Management Software Teams with senior management to define and enforce standardized sales and marketing practices. Partners with other disciplines (credit, operations, collections) to promote best practices with associate vendors Significant Accomplishments:Four times President's Club Winner for tangible results including sales and margin, market-share capture, and brand awareness goal achievementRank in the Top 10 out of 300 sales peoplePersonally manages a $200 million dollar portfolio in territoryLed origination growth from $2 million to $47 million per month since branch opened in 2000 by building strong relationships with internal and external partnersSuccessfully grew originations year-over-year from $47 million in 2008 to over $60 million in 2009 achieving the company's foal for ROA, sales, growth, and quality control in a very challenging economy and marketConsistently hit 130% of monthly goals; conversion and net spread on budgeted objectivesLed company across performance matrix; conversion of 150%, penetration at 150%, warranty sales at 160%Sought by peers in leadership capacity related to territory development and achievement of company objectivesInterviewed, hired, and trained new associatesNational Sales Trainer

Significant Accomplishments:Underwrote over 1500+ applications per monthMaintained a performing portfolio with less than 2.00% loss ratioStrengthened dealer relationships through continual communicationMet and exceeded all corporate efficiency and contract volume on a monthly basis

Strengthened dealer relationships through consistent communication and dealer visits Executed the sub-prime underwriting process within a regional office and developing and maintaining relationships with clients within a designated market Evaluated the marginal and most difficult retail loan and rendered credit decisions within credit policies, procedures, and fair lending guidelines while exercising good judgment Communicated adverse decisions to clients while maintaining strong business rapport Negotiated decision change requests as warranted Managed workflows within assigned markets to enable excellent servicing levels, responsiveness, and accessibility Served as a clients primary source of credit-related information; developed, nurtured, and maintained relationships with clients Negotiated and resolved program and product policy exceptions regarding residuals, pricing, and documentation issues; and, contributed to the markets profitability level through volume generation and efficiency management Significant Accomplishments:Drove sub prime credit underwriting to over 750+ credit applications per monthMaintained a performing portfolio at over 50% approval ration with a 25% approval ratio

Managed a high volume producing sub-prime funding department Directed a multi-million dollar open account, drafts, checks, and balancing Significant Accomplishments:Funded over $25 million monthly in 12-statesReorganized corporate procedures and documentationServed as department trainer as well as regional trainer