Enrique Ibarra
Modesto,CA
Summary
Talented Finance Manager with 24 yrs of proven track record of providing financial services to clients while managing complex loan transactions while maintaining good product penetration. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
25
25
years of professional experience
Work History
Automotive Finance Manager
Central Valley Automotive Group
06.1999 - Current
- Communicated with customers and vendors positively with particular attention to problem resolution.
- Improved operational workflows by identifying areas of inefficiency and implementing appropriate solutions.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Conducted regular reviews of customer credit applications to maintain accuracy and integrity in the approval process. Who is it
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Assessed loan portfolios for compliance with underwriting policies.
- Developed strong relationships with banks, credit unions, and other lending institutions to secure the best financing options for customers.
- Compiled closing packages for drafting and presentation accuracy.
- Collaborated closely with Sales department conducting joint training sessions sharing information about available financing options boosting overall sales figures.
Education
High School Diploma -
Mission High School
San Francisco, CA06.1993
Skills
- Credit History Review
- Knowledge of Dealertrackcom and Dealertrack DMS
- Regulatory Disclosure Preparation
- Client Counseling on Aftermarket products (VSC, Gap, etc)
- Spanish Speaker
- Goal-oriented mindset
- Goal Setting and Achievement
- Product Education
- Creditworthiness Determination
- Contract Preparation
- Attention to Detail
- Process Improvement
- Analytical and Critical Thinking
Accomplishments
- Supervised team of 6 Finance Managers.
- Multiple time Finance Manager of the Month based on highest PVR and PI.
- US Marine Veteran
Timeline
Automotive Finance Manager
Central Valley Automotive Group
06.1999 - Current
High School Diploma -
Mission High School
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