Carlos Mendiola
Fontana,CA
Summary
Motivated retail professional with strong sales, customer service and problem-solving abilities. Skilled at selling Gap and warranty and able to learn new information quickly to maximize contributions and respond to changing customer preferences. Im Self motivated, ready to work ,always ready to learn to things. Enthusiastic automotive sales professional knowledgeable about vehicles and eager to develop new abilities. Hardworking, reliable and professional in all interactions. Im ready to take my knowledge to the next step forward.
Overview
8
8
years of professional experience
Work History
Finance Manager
Divine Auto Mall
Fontana, California
08.2024 - 09.2025
- Managed financial reporting processes and ensured compliance with regulations.
- Managed customer relationships to ensure satisfaction and retention.
- Reviewed and approved loan applications in accordance with company policies.
- Oversaw credit analysis to assess borrower risk effectively.
- Monitored industry trends in auto financing and recommended changes as needed to stay competitive.
- Analyzed customer credit reports, determined risk factors, and made recommendations for loan approval and denial.
- Created customized payment plans tailored to meet individual customer needs while maximizing profitability.
- Worked closely with other departments within the organization such as sales, marketing, and accounting to ensure efficient operations.
- Maintained a database of customer information such as contact details, loan amounts owed, payment histories.
- Prepared and reviewed all paperwork related to the sale and financing of vehicles, ensuring accuracy and completeness.
- Negotiated with lenders to secure competitive interest rates and financing terms for customers.
- Developed and maintained strong relationships with banks, credit unions, and other financial institutions.
- Implemented sales strategies to promote financing and insurance products to customers.
- I did more.
Office/Finance Manager
Auto retail group
Rialto, California
08.2022 - 08.2024
- Subrime Finance
- Required all stips upfront (poi,por,Insurance, refs)
- Funds deals within 1-3days max
- Process dmv registrations
- Make jackets for new inventory
- Talk to the reps make connections with them
- Help customers out with signing documents
- English/Spanish speaking
- Run office expenses
- I help out everyone good/bad credit customers
- Excel, Microsoft, autoxplorer, dealercenter, dealertrack
- Sell extended warranties and accessories
- Reviewed documents such as contracts, titles, and insurance policies before approving loans.
- Negotiated terms of repayment agreements with delinquent customers to bring accounts current.
- Addressed and resolved customer concerns and complaints related to financing, ensuring high levels of customer satisfaction.
- Implemented sales strategies to promote financing and insurance products to customers.
- Developed and maintained strong relationships with banks, credit unions, and other financial institutions.
- Collaborated with management to set financial policies, objectives, and strategies for the dealership.
- Trained sales staff on financing options, processes, and best practices to enhance overall team performance.
- Negotiated with lenders to secure competitive interest rates and financing terms for customers.
- Utilized financial software and systems to streamline operations and enhance efficiency.
- Conducted credit analyses to determine customer financing options based on credit scores and financial history.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Approved or denied loan applications and explained reasoning behind decisions.
- Located and suggested loan packages that met client needs and priorities.
- Updated client account information and records in company databases.
- I can make everyone money I’m truly a good asset and a loyal employee.
Loan Processor
Lobel Financial
Ontario, CA
07.2021 - 08.2022
- Organized loan files, updated databases, prepared general correspondence and communicated with dealers.
- Reviewed and verified borrowers' income, credit reports, and supplemental information to prepare documents for underwriting.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Conducted reviews of flagged transactions and reports that showed potential in customers credit bureau
Automotive Office Manager/Sales Consultant
Auto Retail Group
Rialto, CA
08.2019 - 06.2022
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Demonstrated products to customers, discussed features and redirected objections to capture sales.
- Educated customers on product and service offerings.
- Earned reputation for good attendance and hard work.
- Delivered vehicle to customer locations.
- Recognized by management for providing exceptional customer service.
- Answered all the calls per day to answer customer questions.
- Submit applications to lenders, get customers approve.
- I have a lot of experience in subprime lending and prime lending
- DMV Registrations experienced, run KSR'S when needed
- Get deal jackets ready prepare them in proper order
- At the end month i review the monthly sales and send them over to the book keeper
- Prepare dealer packets
- Review Office expenses and pay office
- Fund loans quickly
- Package deals and get them sent out to the lenders
- Verify customers job and insurance
- Updated employee paperwork and records.
- Overview office inventory and reorder supplies when needed.
- I know how to manage the software we use here (Dealertrack, Dealercenter, Excel, AutoXplorer, Karpower , ext)
- Manage are old inventory, resale them back to the auction,
- File old customers jackets in proper order and store them.
Sales
Supreme Auto Center
Bloomington, CA
08.2017 - 09.2019
- Answered incoming telephone calls to provide information about products, services, store hours, policies and promotions.
- Sold various products by explaining unique features and educating customers on proper application.
- Delivered vehicle to customer locations.
- Educated customers on product and service offerings.
- Arranged new merchandise with signage and appealing displays to encourage customer sales.
- Print out paperwork for the customers and package deals for the lenders
- Learn how to finance a vehicle
- Car detailing
- Speak to lenders over deals that have been submitted ,negotiate with them
- Verify all the stips
- Learned on how to fund a deal
Education
Some College (No Degree) -
Chaffey College
Rancho Cucamonga, CASome College (No Degree) - Culinary Arts
Chaffey College
Rancho Cucamonga, CASkills
- Administrative support
- Team supporter
- Productive
- Fast pace
- Energetic
- Quick learner
- Funder
- DMV BPA Permit
- Self-motivated
- Negotiation strengths
- Vehicle auctions
- Proficient with (Dealertrack,Dealercenter, AutoXplorer, Telnet, Microsoft, Apptracker)
- Market understandings
- Reliable
- Experian Credinomics
- Analytical
- Flexible
- Computer skills
- Reliable and trustworthy
- Customer service
Timeline
Finance Manager
Divine Auto Mall
08.2024 - 09.2025
Office/Finance Manager
Auto retail group
08.2022 - 08.2024
Loan Processor
Lobel Financial
07.2021 - 08.2022
Automotive Office Manager/Sales Consultant
Auto Retail Group
08.2019 - 06.2022
Sales
Supreme Auto Center
08.2017 - 09.2019
Some College (No Degree) -
Chaffey College
Some College (No Degree) - Culinary Arts
Chaffey College
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