Rus B. Email & Phone Number

Sayre, Ok

Dallas, Texas, United States

Denver, Colorado

Durham, North Carolina

Corporate Examiner

Durham, North Carolina

Principal Examiner

Pittsburgh, Pennsylvania, United States

I built and maintained relationships with new and used auto dealers to purchase subprime auto loan contracts. I hired and organized a staff of 8 to fund, collect, and maintain the purchased auto loans. I maintained low delinquency and losses within company goals, and supported and encouraged individual staff career development.HOURS WORKED – Work scheduled from 8-5 M-F. Often worked 7am-7pm M-F and 8-5 on Sat.

Cypress, California, United States

I managed conflicting priorities with established deadlines. I analyzed and compared US and Canadian auto competitors’ offerings to Mitsubishi products price and financing offerings. I priced out company cost models, determining incentive mix cost by unit and by product. I created and marketed new programs to US and Canadian dealerships and promoted incentive contests to increase sales (successful in 2003 resulting in a 7% sales increase). I created and edited all program, contest, and marketing rules for all MMSA incentive programs.HOURS WORKED – Work scheduled from 8-5 M-F, program changes required occasional longer hours

Cypress, California, United States

I supervised credit decisions of the credit analysts and reviewed the decisions of all credit applications to ensure the maximum amount of sales opportunities with the minimum amount of credit risk. I ensured negotiations with dealer partners were professional. I approved appropriate upgrades to credit decisions where risk was minimal. Excellent performance in low losses and increased sales resulted in my promotion.HOURS WORKED – Work scheduled for 40 hours a week from 8-5 M-S, schedule changed weekly.

Utah, United States

I analyzed loan applicants’ credit to determine credit risk related to various products and rates. I managed staff of account executives, underwriters, and processors including hiring, training, and daily activity supervision. I lowered fixed operating costs by effectively managing needed office space and tracked broker loans from submission through final approval and funding. I acted as liaison between brokers, other lenders, and First Union and provided current information on prime and sub-prime products, programs, and rates. I also re-established FUHEB in the Utah market by restoring and establishing broker relationships.HOURS WORKED – Work scheduled for 40 hours a week. Bonus often required more than 40 hours to achieve. Worked often beyond the typical mortgage broker hours of 8-5 M-F.

Utah, United States

I reviewed and approved credit applications for the branch. I secured overrides from district manager when loan amounts exceeded my approval limit. I maintained and underwrote $20 million in mortgage receivables, personal loans, and merchant sales finance contracts. I hired, trained, and managed 11 staff members in loan solicitations, loan closings, and loan collections. Management as a result promoted me to an office with more staff and receivables after increasing net receivables by 17% in 8 months. I improved previous managers’ merchant relationships and led the district with a 200% gain in purchased merchant contracts. I was an accelerated management program candidate and set a new district record for promotion to branch manager in 13 months.HOURS WORKED – Work scheduled from 8-5 M-F. Often worked 7am-7pm M-F and 8-5 on Sat.