ARIEL GAZO
Miami,FL
Summary
Automotive Finance Manager offering vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity.
Overview
22
22
years of professional experience
3
3
years of post-secondary education
Work History
Automotive Finance Manager
LORENZO FORD
02.2022 - Current
- Recommended loan approvals and denials based on customer loan application reviews.
- Identified issues, analyzed information and provided solutions to problems.
- Completed all paperwork, recognizing any discrepancies and addressing them in timely fashion.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Currently working on completely understanding FTC Safeguards Rule.
- Worked closely with Sales Department to maintain optimum levels of communication to effectively and efficiently complete deals.
- Developed and maintained relationships with customers, lenders and other third parties.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Identified opportunities to upsell backend products to customers.
- Negotiated loan terms and conditions with customers to secure best deal.
Automotive Finance Manager
Dadeland Dodge
05.2017 - 09.2020
- Recommended loan approvals and denials based on customer loan application reviews.
- Identified issues, analyzed information and provided solutions to problems.
- Completed all paperwork, recognizing any discrepancies and addressing them in timely fashion.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Worked closely with Sales Department to maintain optimum levels of communication to effectively and efficiently complete deals.
- Developed and maintained relationships with customers, lenders and other third parties.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Identified opportunities to upsell backend products to customers.
- Negotiated loan terms and conditions with customers to secure best deal.
- Monitored pipelines to track and log status of loans.
Automotive Finance Manager
Kendall Dodge Chrysler Jeep Ram
03.2012 - 04.2017
- Processed loan applications and monitored progress from start to finish.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Proactively identified solutions for customers experiencing credit issues.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Negotiated loan terms and conditions with customers to secure best deal.
- Explained very technical financial information to applicants in easy to understand language.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with completing loan applications and other paperwork.
- Compiled closing packages for drafting and presentation accuracy.
Salesperson
FLECHER JONES TOYOTA
02.2002 - 01.2012
- Engaged with customers to effectively build rapport and lasting relationships.
- Provided positive first impressions to welcome existing, new, and potential customers
- Educated clients on current promotional offerings and products using persuasive selling tactics.
- Assessed customer needs and utilized suggestive selling techniques to drive sales.
- Delivered energetic responses to customers in-store and by telephone, going above and beyond to serve needs.
- Built customer loyalty and retention by delivering excellent shopping experiences.
- Engaged in friendly conversation with customer to better uncover individual needs.
Education
High School Diploma -
Western High School
Las Vegas, NV 08.1997 - 06.2000
Skills
- Familiar with DealerTrack, RouteOne and CUDL platforms
- Credit worthiness Determination
- Complaint Handling
- Application Review
- Terms Definition
- Financial History Analysis
- Build Customer Relationships
- Loan Processing Coordination
- Complete Loan Applications
- Aftermarket Product Education and Sales
- Payment Schedule Computation
- Problem Solving
- Attention to Detail
- Credit History Review
- Loan File Review
- Time Management
- Analytical and Critical Thinking
- Client Interview
- Cash Handling
- File Organization
- Performance Assessment and Improvement
- Data Entry
- Customer Service
- Fraud Detection and Prevention
- Basic Mathematics
- Documentation and Recordkeeping
- Decision Making
- Information Processing
- Backend Product Sales and Knowledge
- Deal Structuring
- Lender Relationships
- Analyze Financial Histories
- Calculate Payments
Timeline
Automotive Finance Manager
LORENZO FORD
02.2022 - Current
Automotive Finance Manager
Dadeland Dodge
05.2017 - 09.2020
Automotive Finance Manager
Kendall Dodge Chrysler Jeep Ram
03.2012 - 04.2017
Salesperson
FLECHER JONES TOYOTA
02.2002 - 01.2012
High School Diploma -
Western High School
08.1997 - 06.2000
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