Opis
I am a highly persuasive and detail-oriented Auto Finance Manager with 4 years of experience originating consumer and commercial auto loans directly on dealership floors. I thrive in the fast-paced, high-pressure environment of the F&I office, bridging the gap between the customer's dream vehicle and the lender's risk parameters.
Professional Journey & Deal Structuring:
2020 – Present: F&I Manager at a high-volume automotive group in Austin, representing top-tier brands like Toyota and Hyundai. I structure complex financing deals, navigating prime, near-prime, and subprime credit tiers. I consistently exceed monthly penetration targets, averaging 115% of goal, and have been recognized as the top producer in the Southwest region for three consecutive quarters. I manage the entire deal jacket, ensuring perfect compliance with Truth in Lending Act (TILA) and state-specific DMV regulations.
2018 – 2020: Credit Analyst at a regional credit union. Processed auto loan applications, verified income/employment, and evaluated collateral values using NADA and KBB guides.
Technical Skills & Compliance:
- Lender Portals: Dealertrack, RouteOne, AutoAlert, various prime and subprime lender portals.
- Products: Installment loans, lease buyouts, GAP insurance, extended vehicle service contracts (VSC), prepaid maintenance.
- Regulatory: OFAC compliance, Red Flags Rule, GLBA privacy notices, desk delivery documentation.
I hold a Bachelor of Business Administration from Texas State University. I am highly presentable, resilient in the face of deal-killing credit declines, and possess the negotiation skills required to maximize backend profitability while delivering a transparent customer experience. I am seeking an on-site F&I leadership role in Austin.