Christian Howk

• Developed and maintained relationships with customers, lenders and other third parties.
• Proactively identified solutions for customers experiencing credit issues.
• 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.
• Compiled closing packages for drafting and presentation accuracy.

• Evaluated loan requests and documents to verify accuracy and completeness.
• Assessed loan portfolios for compliance with underwriting policies.
• Explained very technical financial information to applicants in easy to understand language.
• Identified opportunities to cross-sell and upsell loan products to customers.
• Developed and maintained relationships with customers, lenders and other third parties.

• Analyzed potential risks and evaluated loan products to identify suitable options for customers.
• Assisted customers with completing loan applications and other paperwork.
• Researched and updated industry knowledge on changing legislation and regulations.
• Assessed loan portfolios for compliance with underwriting policies.
• Identified opportunities to cross-sell and upsell loan products to customers.
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.

Offering vehicle financing and insurance to customers and providing them with a thorough explanation of aftermarket products and extended warranties and a complete explanation of manufacturer and dealership service procedures and policies. Maximize profits while securing deals for funding.

• Increased profitability by negotiating contract terms and rates with customers and banking institutions.

Sales of Pre Owned Hi Line vehicles for customers across the United States and in Canada

• Met with entire team on weekly basis to identify sales opportunities, discuss strategies and execute new promotions.
• Established action plans for team members and helped each person attain objectives.