- Lead a national commercial sales team; responsibilities include national and regional sales strategies, recruitment and training, budgeting, GM Fleet liaison, pricing, competitive intelligence and subject matter expert on commercial products, policies, and procedures.- Responsible for marketing strategies to generate additional lead volume, work with marketing to create new flyers that can assist with delivering the CVL Captive advantage.- Work in conjunction with five GM Fleet regions on various strategic initiatives for commercial dealers and customers

- Responsible for the commercial credit granting process. This includes the consistent application of a credit policy, periodic credit reviews of existing customers and profitability of our commercial portfolio and assessing the creditworthiness of potential customers.- Collaborated with systems integration, risk, pricing, and various groups on the development of a new commercial APR system. Provided feedback on necessary rules, flags, data and system logic for CVOS APR and CVOS Lease- Implemented training, policies, and procedures for CVL Credit and NCC credit assistance- Collaborated with reporting on the creation and implementation of several CVL reports that currently in use along with the creation of a new credit scorecard to measure performance and effectiveness of the credit department along with a staffing model

- Established a new commercial department for the company- Integral member in the development of the commercial systems, polices, procedures, marketing strategy and communication- Manage all daily activities and strategy of the commercial credit application and underwriting acquisition process for assigned region of the company. Ensure all department personnel properly analyze risk and adhere to the company Credit Policy, processes and procedures.- Work in conjunction with commercial field sales staff to establish and monitor individual dealer/client business plans, objectives and strategies that meet or exceed expected results of company or client.- Development of marketing, policies & procedures, quality assurance, reporting and project management for CVL through the closed-end, TRAC and retail launch

- Established a new retail credit department, coordinated recruiting, training and development of coaches and analyst.- Manage all daily activities of the credit application and underwriting acquisition process for assigned region of the company. Ensure all department personnel properly analyze risk and adhere to the company Credit Policy, processes, and procedures.- Lead retail lending department consisting of underwriters and credit coaches to acquire proper mix of retail and lease acquisitions as defined by company or client objectives.- Foster a coaching community throughout the department to include coaching drills, coaching plans and performance sessions with credit coaches.- Maintain sound knowledge of market activity, practices, and business/industry practices as they impact underwriting quality and origination activity.- Monitor and approve any credit exceptions and ensure that all exceptions were appropriate based on the company Credit Policy.- Monitor and assist in the development of all internal audit or risk management reporting for the department.- Work in conjunction with field sales staff to establish and monitor individual dealer/client business plans, objectives and strategies that meet or exceed expected results of company or client.

- Coach, develop, train, and manage up to twelve team leaders and one-hundred collection agents- Develop and implement strategies to mitigate losses- Manage multiple projects and tight deadlines while staying focused on achieving financial goals. Set clear expectations, communicate regularly with both employees and management and lead change within the organization- Coordinates shifting of business resources internally to increase efficiency or productivity as business needs dictate- Reviews daily delinquency numbers and communicates trends, opportunities, or concerns and any potential impact to losses.

- Support and assist the President/MD of CFSM- with presentations, communication, event planning and execution, evaluate monthly G&A reports, effectively take meeting notes, and follow up on staff meetings- Acting as a liaison and point of reference for cross-functional teams; and handling special/confidential projects as needed.- Ability to effectively communicate with all levels of management in English and Spanish and work with sensitive information in a professional and confidential manner- Filled in as the Marketing Manager for an interim of 4 months during that time: worked with our marketing vendors on the creation of our marketing/POS material, best practice knowledge sharing with our local DRMs, and assisted in the development and execution of a professional competencies program for our DRMs.

- Service existing dealer accounts and acquire new accounts within my assigned sales territory- Assist dealers in analyzing their financial position and suggest opportunities for improving their financial performance- Train dealer staff and deliver presentations to promote products and services of the company

- Analyze the financial condition of automobile dealerships and affiliated companies of the dealership entity for the purpose of extending new lines of credit or continuing existing lines of credit.- Monitored dealer financial performance and make sound and reasoned recommendations, based on guidelines established by DCFS- Prepare, analyze and submit credit requests as well as file reviews- Review of wholesale inventory and audits

- Increased our value proposition to our dealer base through effective relationship management- Service existing dealer accounts and acquired new dealer accounts- Sales call planning to achieve my strategic and tactical objectives- Developed, maintained and distributed- daily, monthly, and ytd reporting.- Created adhoc reports for management and sales staff as requested.- Analyzed acquisition by segments, zone and business center.- Organization and coordination of sales functions and events- Marketing and communications liaison- programming of blast fax system and communication process for dealers.- Prepared, distributed and communicated commercial programs for BVF dealers- Developed training material for dealer training- Intra-departmental liaison- between funding, F&I pro and credit.

- Increased revenue from new and existing sources through proactive business solicitation and supporting field sales personnel.- Outbound business solicitation assisted with dealer service and dealer visits.- Assisted with the preparation of Presentations for various functions, regional conference facilitation, attended vocational summits, kept track and helped funding issues, ROE exception tracking., Rate Issues and attend regional sales meetings, also attended various meeting where sales representation was needed.- Prepared and distributed reports- Projections- Order boards - Net penetration- Daily acquisitions