Aleida Ramos
Mcallen,TX
Summary
Ambitious Finance Manager offering over 26 years of experience increasing productivity through automation of processes. Confident individual with track record of accurate reporting and analysis. Highly experienced in mentoring employees, leading talented teams and making decisions promptly.
Overview
27
27
years of professional experience
Work History
Finance Manager
Spikes Motor Company
Mission, TX
10.2018 - 10.2023
- Review credit and loan applications
- Prepare Necessary paperwork and submit for approval
- Maintain good portfolio and relationships with various finance sources
- Contract and maximize profitability for dealership
- Maintain knowledge of products offered and ensure customer satisfaction
- Ensure compliance to all federal and state regulations are being applied accordingly
- Review all documentation are in file from disclosures, products purchased, insurance, and down payments were accounted prior to turning file to accounting
- Ensured CIT for all finance managers was clean and reviewed daily with GM to avoid funding issures
- Reported CPO used car sales, scanned, and uploaded CPO documentation
- Was in charge of Used car financing including Special Finance Deals
- Assisted with wholesale unit reports
- Assisted accounting with warranty registration
- Assisted GSM with submissions of rebates for new car sales
Finance Manager
Rio Motor Co
Rio Grande City, TX
09.2017 - 06.2018
- Review credit and loan applications
- Prepare necessary paperwork and submit for approval
- Maintain good portfolio and relationships with various finance sources
- Contract and maximize profitability for dealership
- Maintain knowledge of products offered and ensure customer satisfaction
- Ensure compliance to all federal and state regulations are being applied accordingly
- Review all documentation was in file from disclosures, products purchased, insurance, and down payments were accounted for prior to turning file to accounting
- Would voluntarily package my deals, track, and maintained a clean CIT.
Finance Manager
Clark Knapp Honda
Pharr, TX
04.2017 - 06.2017
- Reviewed credit and loan applications
- Prepared necessary paperwork and submit for approval
- Maintain good portfolio and relationships with various finance sources
- Contracted and maximize profitability for dealership
- Maintain knowledge of products offered and ensure customer satisfaction
- Ensured compliance to all federal and state regulations were being applied accordingly
- Reviewed all documentation were in file from disclosures, products purchased, insurance, and down payments were accounted for prior to turning file to accounting
- Would voluntarily package my deals, track, and maintained a clean CIT.
Finance Manager
Covert Ford
Austin, TX
11.2016 - 03.2017
- Reviewed credit and loan applications
- Prepared necessary paperwork and submit for approval
- Maintain good portfolio and relationships with various finance sources
- Contracted and maximize profitability for dealership
- Maintain knowledge of products offered and ensure customer satisfaction
- Ensured compliance to all federal and state regulations were being applied accordingly
- Reviewed all documentation were in file from disclosures, products purchased, insurance, and down payments were accounted for prior to turning file to accounting
- Would voluntarily package my deals, track, and maintained a clean CIT.
Finance Manager
Toyota of Pharr
Pharr, TX
04.2016 - 11.2016
- Reviewed credit and loan applications
- Prepared necessary paperwork and submit for approval
- Contracted and maximize profitability for dealership
- Maintain knowledge of products offered and ensure customer satisfaction
- Ensured compliance to all federal and state regulations were being applied accordingly.
Finance Manager
Hacienda Ford
Edinburg, TX
06.2014 - 03.2016
- Reviewed credit and loan applications
- Prepared necessary paperwork and submit for approval
- Maintain good portfolio and relationships with various finance sources
- Contracted and maximize profitability for dealership
- Maintain knowledge of products offered and ensure customer satisfaction
- Ensured compliance to all federal and state regulations were being applied accordingly
- Reviewed all documentation were in file from disclosures, products purchased, insurance, and down payments were accounted for prior to turning file to accounting
- Would voluntarily package my deals, track, and maintained a clean CIT.
Finance Director
Bert Ogden Chevrolet
Mission, TX
11.2013 - 05.2014
- Administered sales of all finance products by finance team
- Oversaw all finance department staff
- Assisted finance staff in teaching them methods on how to reach their financial goals
- Reviewed all documentation was in file from disclosures, products purchased, insurance, and down payments were accounted for prior to turning file to accounting
- Processed all loan applications
- Reviewed credit and loan applications
- Established credit, financing, compliance policies and procedures
- Worked with sales managers and finance team in resolving any funding issues
- Managed all loan packages and reviewed them for accuracy
- Maintain knowledge on Products offered and made sales accordingly
- Ensured compliance to all federal and state regulations were being applied accordingly
- Reviewed all documentation were in file from disclosures, products purchased, insurance, and down payments were accounted for prior to turning file to accounting
- Ensured CIT was clean and reviewed daily with finance staff
- Reported all New and Used car sales
- Worked with accounting daily to ensure paperwork was clean, in compliance, and down payments were accounted for to ensure easy closeout
- Kept track of cancellations to ensure finance team was properly disclosing
Finance Manager
Hacienda Ford
Edinburg, TX
04.2003 - 07.2013
- Reviewed credit and loan applications
- Prepared necessary paperwork and submit for approval
- Maintain good portfolio and relationships with various finance sources
- Contracted and maximize profitability for dealership
- Maintain knowledge of products offered and ensure customer satisfaction
- Ensured compliance to all federal and state regulations were being applied accordingly
- Reviewed all documentation were in file from disclosures, products purchased, insurance, and down payments were accounted for prior to turning file to accounting
- Would voluntarily package my deals, track, and maintained a clean CIT
- Had weekly meetings with sales managers to develop strategies in keeping sales personal motivated and working as a team having the least amount of turnover.
Finance Manager
Bert Ogden Chevrolet
Mission, TX
03.1997 - 03.2003
- Reviewed credit and applications
- Prepared necessary paperwork and submitted for approval
- Maintained a good portfolio and relationships with various finance sources
- Contracted and maximized profitability for dealership
- Maintained knowledge on products offered and ensured customer satisfaction
- Ensured compliance to all federal and state regulations were being applied accordingly
- Reviewed all documentation were in file from disclosures, products purchased, insurance, and down payments were accounted for prior to turning file to accounting
- Would package my deals, track, and maintained a clean CIT
Education
Law (did not finish) -
UTPA
01.1997
Skills
- Dedicated to finding a solution that benefits the customer and dealership
- Excellent presentation and negotiation skills
- Extensive understanding of credit and financing issues
- Adept at preparing financial reports, statements, and analysis reports
- Consistently maintains a professional appearance and attitude
- Exceptional knowledge of all federal and state regulations
- Immense ability to work as a team and adapt to any changes
- Solid problem-solving and communication skills
- AFIP Senior Certified Professional
- Seasoned dealership Finance Manager with a sound knowledge of the auto industry
- Adept at developing and utilizing an effective network of lenders
- Negotiating terms with clients and getting profitable results for the company
- Specialized in quickly dealing with customer credit and financing in a timely courteous manner
- Have knowledge of new and used car financing, as well as special financing
- Regulatory Compliance
- Performance Analysis
- Continuous Improvement
- Workflow Coordination
- Electronic Contracting
- Financing Expertise
- Verbal and Written Communication
- Insurance Products
- Coaching and Training
- Deal Structuring
- Departmental Oversight
- Mentoring and Training
- Lender Relationships
- Customer Satisfaction
- Staff Training
- Customer Relationship Development
Languages
English
Full Professional
Spanish
Full Professional
Timeline
Finance Manager
Spikes Motor Company
10.2018 - 10.2023
Finance Manager
Rio Motor Co
09.2017 - 06.2018
Finance Manager
Clark Knapp Honda
04.2017 - 06.2017
Finance Manager
Covert Ford
11.2016 - 03.2017
Finance Manager
Toyota of Pharr
04.2016 - 11.2016
Finance Manager
Hacienda Ford
06.2014 - 03.2016
Finance Director
Bert Ogden Chevrolet
11.2013 - 05.2014
Finance Manager
Hacienda Ford
04.2003 - 07.2013
Finance Manager
Bert Ogden Chevrolet
03.1997 - 03.2003
Law (did not finish) -
UTPA
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