Rick C. Email & Phone Number

White Plains, New York, United States

New York, New York, United States

Managed finance office. Adhered to compliant regulations and increased gross profit for financed department. Averaging $1800 on new vehicles and $2175 on used vehicles.

Directed the finance office with annual sales of 1,400 units, Exhibited strong negotiation and communication skills. Averaged $1650.00 per deal on back end products.

Direct the company's financial operations with annual sales of 2,100 units. Analyze monthly financial statements to ensure profitability goals are met and sufficient working capital to ensure a continuation of growth. · Realized $1.9 million for 2008 representing an average of $1,300 in back-end sales per customer (60% of customer base). · Devised and implemented a marketing plan targeting Hispanics, which increased the customer base by 24% · Created and implemented targeted marketing plans that resulted increase of 13 percent profits and revenue flow.

Managed a credit department. Verified credit decisions were being handled in accordance with company standards and loss ratios. Evaluated, reviewed and directed the efforts of the department. Targeted and acquired dealerships for retail and wholesale business with an increase in retail/lease accounts. Managed regional sales operations for the Tri State area through leadership of 8 sales representatives.Developed a plan where dealers saved 15-20% thereby persuading the non-wholesale accounts to establish relationships with the company. This resulted in the Acquiring of numerous accounts totaling $6.7 million.Guided sales team to focus on new accounts and effectively exceeded regional sales goals by 35%.Developed and implemented a new sales compensation and incentive program which achieved an increase in revenue and the penetration of wholesale, retail and lease accounts.Improved Delinquency ratios by retraining employees and customer phone contacts which greatly reduced potential losses for the company.

Managed a credit department. Verified credit decisions were being handled in accordance with company standards and loss ratios. Evaluated, reviewed and directed the efforts of the department. Closely reviewed, analyzed and authorized credit decisions for a large portfolio of retail and lease accounts. Trained Credit Analysts and monitored the Credit and Discounting Departments handling of credit decisions for retail and lease contracts, to ensure regulatory compliance.Maintained a delinquency rate of 2.3% at Chrysler Financials Collection Department which is well under regional and national rates of 3.8 to 4.5 %.Developed a plan where the dealers were able to save 15-20% thereby persuading the non-wholesale accounts to establish relationships with the company. This resulted in the Acquiring of numerous accounts totaling $6.7 million.Improved Delinquency ratios by phone contacts to customers and retraining employees. This resulted in greatly reducing potential losses for the company.Implemented a flexible hours program to improve relationships with automobile dealers at Chrysler Financial. The extended hours during the week and weekend resulted in a 20% increase in financed applications, with no additional payroll costs.Analyzed monthly financial statements to ensure profitability goals were being met and business had sufficient capital to ensure a continuation of growth.Created and implemented targeted marketing plans that resulted in significant profits and revenue flow.

Bachelor Of Science, Finance

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