Aming Bisonette
Summary
Dedicated, well organized professional focused on growth, who strives to exceed expectations. Offering confidence, team contribution and decision making skills. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organization.
Overview
27
27
years of professional experience
Work History
Loan Underwriter/Sales & Marketing Agent
MPH2 Funding
01.2007 - 01.2013
- Reviewed loan submittals from auto dealers daily, providing approvals or declinations based on lender guidelines
- Maintained pipeline to ensure in-house loans were processed in allotted time frame
- Communicated decisions to auto dealers in a concise and timely manner
- Followed up with dealers and or customers to identify and resolve loan processing issues
- Conducted daily meetings to discuss pipeline issues and offer resolution to clerks
- Supervised and trained new employees, developed new training ideas for greater efficiency
- Closed and posted completed loans, meeting daily/weekly quotas
- Maintained static pool levels according to industry/lender standards for five consecutive years.
- Safeguarded company assets by verifying applicant income sources, employment history, credit reports, and collateral valuation documentation.
- Reduced delinquency rates through meticulous evaluation of borrower creditworthiness and adherence to underwriting guidelines.
- Balanced multiple priorities while managing high volumes of loan applications during peak periods, consistently meeting deadlines without compromising quality or accuracy.
Auto Sales & Finance Specialist
Tynan's Nissan Inc
01.2013 - 01.2014
- Conducted inbound and outbound sales calls
- Qualified buyers for financing by running credit checks and assessing risk
- Demonstrated automobiles by explaining characteristics and features
- Prepared forms and agreements for auto purchase following industry standards
- Closed sales by negotiating sales price and overcoming objections.
Loan Underwriter/Sales/Assistant Branch Manager
Lobel Financial Corp
09.2015 - 08.2021
- Participated in ongoing professional development opportunities to stay current on best practices within the industry.
- Maintained regulatory compliance in all lending practices, staying up-to-date with industry standards and changes in legislation.
- Developed strong working relationships with internal and external stakeholders, fostering a collaborative environment to facilitate timely loan processing.
- Conducted regular audits of approved loans to ensure adherence to established guidelines and identify areas for improvement.
- Enhanced dealer partner satisfaction by providing timely and accurate loan decisions based on comprehensive analyses.
- Mentored junior underwriters to enhance their knowledge and skills, leading to improved team performance overall.
- Increased sales by building strong customer relationships and providing excellent service.
- Built rapport with repeat customers, fostering long-term loyalty to the brand.
Auto Finance/Title Specialist/General Manager
Cars With Altitude/ICAR Automotive
08.2021 - 08.2022
- Collaborated with lenders, and clients to facilitate smooth loan transactions.
- Reduced title discrepancies by proactively researching and resolving any potential issues in advance.
- Ensured timely processing of title documents by efficiently managing a high volume of daily tasks.
- Streamlined workflow processes for increased productivity through effective team collaboration and organization.
- Oversaw quality assurance efforts, conducting regular audits of completed work to maintain high standards of accuracy and professionalism across the team.
- Improved department efficiency by implementing strategic systems for easy access to critical information.
- Optimized inventory management, minimizing waste and reducing costs.
- Helped meet changing demands by recommending improvements to business systems or procedures.
Auto Sales/Finance Manager/General Manager
Nations Auto Inc IV
08.2022 - 07.2024
- Implemented targeted marketing initiatives to attract potential buyers seeking auto loans.
- Prioritized transparency in communication with clients, building trust through clear explanations of financial obligations.
- Increased customer satisfaction by providing exceptional service throughout the auto finance process.
- Conducted thorough evaluations of client credit history to determine the best financing options available.
- Monitored industry trends and competitor offerings to maintain a competitive edge in the auto finance market.
- Developed strong relationships with lenders to secure favorable loan terms for customers.
- Streamlined financing procedures for faster approval and processing times.
- Developed strategic partnerships with key industry players, increasing access to diverse lending sources for customers.
- Maintained compliance with all state and federal regulations governing automotive financing practices.
- Enhanced overall efficiency by implementing new processes and technology.
Purchasing Agent/Assistant to Purchasing Director
Royal Publications
01.2000 - 01.2006
- Negotiated terms and contracts with new and existing vendors
- Purchased product(s) from over 100 vendors
- Managed inventory including cost adjustments and balancing
- Reviewed, set-up and entered all new products and vendors
- Entered, processed, created purchase orders on a daily basis
- Managed office in absence of Director
- Streamlined department implementing new and more efficient procedures.
Accounts Payable Clerk
Royal Publications
01.1998 - 01.2000
- Processed invoices for payment in a timely manner
- Maintained client/vendor database for entire dept
- Created and dispersed documents and reports for department as needed
- Investigated and retrieved lost monies dating back five years
- Created procedures and forms for greater overall efficiency.
Education
Associates in Business -
College America
Denver, CO01.1994
Skills
- Proficient in Microsoft Office, Dealrcloud, Dealer Center, Dealer Track, Vin Solutions, CUDL, CUDC & CAPS
- Dealer Title Solutions certified
- Typing (70 wpm) and 10-Key Entry (11,000 kph)
- Attention to Detail
- Relationship Building
- Decision-Making
- Team Building Leadership
- Verbal and written communication
- Coaching and training
- Exceptional organizational skills
- Continuous Improvement
- Customer Satisfaction
Traits
- Thrive in fast paced environment
- Detail/multi-task oriented
- Excellent organizational skills
- Work well under pressure
- Possess leadership skills
- Problem solver
- Strong decision making skills
- Work well in teams or autonomously
Personal Information
Title: Auto Finance Specialist
Timeline
Auto Sales/Finance Manager/General Manager
Nations Auto Inc IV
08.2022 - 07.2024
Auto Finance/Title Specialist/General Manager
Cars With Altitude/ICAR Automotive
08.2021 - 08.2022
Loan Underwriter/Sales/Assistant Branch Manager
Lobel Financial Corp
09.2015 - 08.2021
Auto Sales & Finance Specialist
Tynan's Nissan Inc
01.2013 - 01.2014
Loan Underwriter/Sales & Marketing Agent
MPH2 Funding
01.2007 - 01.2013
Purchasing Agent/Assistant to Purchasing Director
Royal Publications
01.2000 - 01.2006
Accounts Payable Clerk
Royal Publications
01.1998 - 01.2000
Associates in Business -
College America