Autumn Cross
Branch Finance Manager
Cincinnati,OH
Summary
Self-motivated and business-minded Branch Finance Manager promoting more than eight years of expertise in credit analysis and relationship building with added experience in sales, management and collection. With developed detail-oriented and organizational skills, I am able handle multiple projects with a high degree of accuracy. My "worker- bee" energy creates a willingness to take on added responsibilities to meet team goals. I carry a track record of efficiency and I value solo and collaborative tasks. I am a natural encourager offering confidence and support to the team.
Overview
11
11
years of professional experience
Work History
Branch Finance Manager
Byrider
03.2024 - Current
- Increased branch profitability by implementing effective financial strategies and monitoring key performance indicators.
- Analyzed risk of credit applications and shared expertise in financing decisions with Sales Team.
- Trained in cross-functional projects aimed at improving various aspects of branch operations for increased efficiency and profitability.
- Developed strong relationships with clients by addressing their financial needs professionally and promptly.
Underwriter
Byrider
09.2015 - Current
- Analyzes information received from credit applications and credit reporting agencies to make financing decisions
- Negotiates terms and conditions of loan decisions with Sales Team to ensure credit quality and profitability
- Report to Lead Underwriter and Regional Underwriter regarding special underwriting decisions
- Conducts real time interviews with applicants in regards to the credit application
- Responsible completing paperwork in a timely manner for audit, service, and third-party affiliates as well as collection.
Sales Manager
Rent-A-Center
07.2014 - 08.2015
- Increased sales and conversion percentages
- Marketed business through lead calling, mailing advertisements, and networking
- Gauged store performance by monitoring weekly, monthly, and quarterly performance and financial reports
- Hosted weekly meetings with the host store’s management team
- Handled training of the Assistant Sales Manager
- Educated customers on rent-to-own transactions, including pricing options, features and benefits.
Sales Assistant Manager
Rent-A-Center
07.2013 - 07.2014
- Helped to meet sales goals given by the Sales Manager through effective communication with the host store’s sales team
- Performed cash drawer audits and other daily processes through POS system
- Prepared sales and customer relations reports by analyzing and categorizing sales information; identifying and investigating customer complaints and service suggestions.
Education
Bachelor of Business Administration in Finance -
Middle Tennessee State University
Murfreesboro, TN12.2012
Skills
- Operational Efficiency
- Verbal and written communication
- Credit analysis
- Customer Service
- Analytical Skills
- Willing to Learn
- Attention to Detail
- Adaptability and Flexibility
- Relationship building and management
- Collection
Accomplishments
- Received a promotion at Byrider Auto Sales.
- Promoted from Assistant Sales Manager to Sales Manager with Rent-A-Center
- Byrider – remained #1 in efficiency for 1 year, nominated 2x for Byrider Best (won 1x).
Hobbies Activities
- Young Adult Ministry Leader – Gray Rd Church of Christ
- PreK Sunday Bible school assistant
- Jack and Jill 5k Run/Walk participant
Timeline
Branch Finance Manager
Byrider
03.2024 - Current
Underwriter
Byrider
09.2015 - Current
Sales Manager
Rent-A-Center
07.2014 - 08.2015
Sales Assistant Manager
Rent-A-Center
07.2013 - 07.2014
Bachelor of Business Administration in Finance -
Middle Tennessee State University