Sarah Cox Email & Phone Number

Grapevine, Texas, United States

Champion the development and management of the Dealer Business System teams, lead Kubota’s Corporate e-commerce platform and execute strategic initiatives for the ease of business with Kubota.

Grapevine, Texas, United States

Network Development

Irving, Tx

Responsible for effective leadership, guidance & coaching a team of Business Development Managers in order to monitor and adjust our retail, lease, wholesale, remarketing & ancillary financial products that provide a competitive advantage for VW Credit, Inc.• Ensured cooperation to provide customized value added solutions and monitor KPI's, leading to accomplishment of business deals across 18 states. Coordinated efforts utilized through SalesForce.com.• Championed US credit policy enhancement to allow for hail damaged units to be leased/balloon contracted by benchmarking major Captive Finance Companies/Banks. Those affected saw a minimum increase of 30% in penetration on those units.• Accomplished high level of client satisfaction through implementation of intensive communication and customer-centric strategies and incentives. Captured top honors in JD Power. Confirmed individual and team objectives were aligned with the Corporate Strategy by using the PMP and Personnel Development plans.• Coordinated with multiple departments to prepare client presentations and proposals; collaborated and developed agendas for weekly meetings. Also supported teams in 10 company offices on various projects.• Delivered on-site supervision during the takeover of new accounts & buy-sell deals to ensure the accurate & timely assumption of collateral. Handled on-boarding of clients in 2018 accounted for 55% of new total floorplan acquisition for the US.• Directed discussions with Credit/Funding teams on the Region's retail/lease portfolio performance to minimize delinquency & loss. Reduction of 20% exposure on high risk accounts.• Executed and tracked all necessary retail & wholesale legal documentation. Confirmed Commercial Credit policies were followed through the use of equity-verifications and monitoring financial requirements on 80 dealerships including one of the largest Syndication Groups.• Facilitated and enacted $300M Texas Tax Credit strategy and process.

Woodcliff Lake, Nj

Led 20+ Audi and Volkswagen dealers in the New Jersey and Pennsylvania market. Partnered with Dealer Principals and Financial Officers focusing on financial and performance improvement needs. Constructed strong relationships with dealership management and staff; advised and trained on products and programs.• Controlled retail and lease portfolios, wholesale, ancillary and remarketing products of Volkswagen Credit and Audi Financial Services. Wholesale penetration was over 90%.• Generated relationships with Finance Managers to engage portfolio penetration, and devised sales incentives to maximize opportunities such as increasing service contract penetration by 12%.• Collaborated directly with Volkswagen and Audi Brand partners to initiate growth in primary area of influence market share. Devised remarketing plans to customize retention programs contacting customers 100%.• Trained dealership in regards to credit, remarketing/loyalty and ancillary products as well as certification requirements.• Performed monthly, quarterly, and annual reviews of dealership files analyzing exposure while ensuring compliance with corporate lending and documentation requirements. Exceeded Dealer Satisfaction and Customer Satisfaction targets above 110%.• Designed individual dealer action plans and created reports to track progress, profitability and results throughout territory. Areas executed lifted a 35% increase.• Earned 2013 Top Driver of Performance in the Northeast Region.

Led 17 Chrysler, Jeep and Dodge dealers, as well as the largest National Account in the Metro Detroit market with wholesale portfolio in excess of $1B, reflecting 8% of regional territory. Engaged with Dealer Principals and Finance Officers, focusing on financial and performance improvement needs. Constructed strong relationships with dealership management and staff; counseled and trained on products and programs.• Oversaw $635M retail/lease portfolio, achieved highest level of consumer penetration (84.1%) for Business Center in 2008.• Leveraged relationships with Owners and Finance Directors, improving retail/lease portfolio credit quality greater than 10%; while maintaining highest level acquisitions within regional territory.• Earned Top Performer status in the role for three consecutive years.

Engaged 20+ Chrysler, Jeep and Dodge dealers in Metro Dallas market with wholesale portfolio in excess of $70M, reflecting 19% of regional territory. Counseled with Dealer Principals and Finance Officers, focusing on financial and performance improvement needs. Built solid relationships with dealership management and staff; advised and trained on products and programs.• Oversaw $450M retail/lease portfolio, attained highest level of consumer penetration for Business Center in 2004 (72%).• Formulated commitment for $40M in wholesale acquisition.• Leveraged relationship with Owners and Finance Directors, improving retail/lease portfolio credit quality greater than 8%; while increasing overall acquisition volume.

Reviewed and assessed credit risk on automotive dealership wholesale portfolio, supported three field sales staff, serviced largest wholesale territory of three state region. Collaborated with sales staff to assure dealership compliance with corporate lending standards.• Underwrote complex commercial loan packages involving wholesale, capital, and real estate products valued in excess of $300M.• Performed quarterly and annual reviews of dealership files in excess of $1.5B, examined exposure while compliant with corporate lending and documentation requirements.• Reconciled monthly financial statements for over 75 Metro Detroit dealerships; audited and assessed risk exposure and devised improvement strategies in cooperation with the field.

Mentor staff of 10 credit analysts responsible for analyzing and assessing credit risk on retail and lease consumer applications, supporting over 250 dealers across a three state territory. Coach additional staff of 20 operations assistants responsible for the timely and accurate reconciliation / input of retail and lease paper. Collaborated with territory sales staff, developing strategies to increase consumer penetration. Developed, managed and fostered long-term relationships with finance managers, Dealer Principals and sales managers to accelerate achievement of corporate goals and objectives, exceeding goals.Facilitated negotiation of contract terms to increase profitability of lease and retail portfolios by 10%+.Reviewed, assessed and managed buying strategies based on detailed analysis of loss to liquidation ratios and dealership support levels.Conducted internal audits of retail and lease contracts, ensuring compliance with federal, state, and corporate lending standards.

Analyzed and assessed credit risk on consumer applications, supporting 250 dealers across Michigan, Ohio, and Indiana. Collaborated with territory sales staff, developing strategies to increase dealership support. Negotiated credit terms with Finance Managers, ensuring proper structure in order to increase profitability and reduce loss exposure.Increased territory acquisitions by 26%Leveraged relationships with finance managers, to ensure achievement of corporate goals and objectives.Liaison between dealers and funding department, addressing non-compliance with contracting requirements

Supervised audit scheduling and clearing of wholesale audits for over 250 dealers throughout Michigan, Indiana and Ohio. Scheduled and administered quarterly and annual reviews for staff of eight field auditors.Developed and administered monthly audit schedule, ensuring efficient assignment of field audit staff, improving work/life balance.Collaborated with dealership personnel to address audit shortfalls and ensure proper accounting of vehicle inventory.Formulated and executed strategies to address adverse audit trends.

Performed physical audit of dealership wholesale inventory throughout Michigan and Ohio, reconciling supporting documentation and collecting receivables due.Collaborated with dealership personnel to ensure accountability of all dealership automotive inventoryMitigated loss through identification of dealership distress situation, reporting to appropriate management staff.

Provide complete and accurate customer care to ensure orderly liquidation of consumer portfolio in excess of 30 days delinquent.Developed daily call strategy to ensure effective use of time and tools to address delinquency goalsCommunicated directly with consumer, developing re-payment plans to meet or exceed established loss objectives.Maintained familiarity with defined federal, state, and corporate laws and regulations concerning fair credit and collection practices.Cashiering experience and processing of payments from customers.

Responsible for conducting pre-sentencing investigations that included background and criminal record checks. Responsible for conducting weekly meetings with juveniles and their parents to monitor progress as a part of their sentencing. Conducted interviews to make second sentencing recommendations to the presiding judge.

Bachelor Of Science, Sociology/Criminal Justice

Activities and Societies: Sigma Kappa Sorority, President / Panhellenic Council, President / Panhellenic Council, VP / Phi Alpha Delta.

High School Diploma, College Prep