Eunice Francis
Fort Worth,TX
Summary
A results driven position utilizing my effective communication and negotiation abilities to build relations, form various strategic plans, and positively impact the organization.
Overview
2027
2027
years of professional experience
Work History
Financial Services Manager
NMAC
Irving
6 2021 - Current
- Function as a liaison with the goal of cultivating business relationships and improving customer loyalty with NMAC.
- Provide training to dealership and staff on all NMAC programs and procedures.
- Consult with stakeholders and review financial statements to help keep dealers profitable.
- Develop action plans to obtain objectives to increase penetration and volume.
- Collaborate with NMAC internal departments to increase market share.
- Create presentations to promote NMAC programs and products.
- Developed strong relationships with clients, leading to increased referrals and business growth.
- Provided financial reports and interpreted financial information to managerial staff while recommending further courses of action.
- Established and enforced operational policies and procedures to maintain efficient and effective accounting operations.
- Led cross-departmental initiatives to optimize budgeting procedures, improving resource allocation across teams.
- Mentored junior staff on compliance standards and regulatory requirements, fostering a culture of accountability.
- Collaborated with executive leadership to create long-term financial plans aligned with organizational goals.
- Analyzed market trends to inform investment strategies, resulting in improved portfolio performance and risk management.
- Enhanced client relationship management strategies, driving retention rates through personalized service offerings.
- Managed 46 stores with accomplishing FY22 West Region of the year team member and in FY23 achieved highest percentage for new car penetration
Supervisor Consumer Credit
NMAC
Irving
03.2020 - Current
- Manage credit analysis team.
- Conduct monthly or weekly audits to ensure service levels.
- Service Nissan dealers in Northeast and Central regions.
- Analyze applications for credit risk.
- Conducted performance evaluations to identify areas for improvement and professional development.
- Streamlined workflow processes, resulting in improved efficiency and reduced downtime.
- Developed training materials to support onboarding of new employees effectively.
- Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows.
- Trained and mentored team members on operational procedures and best practices.
Supervisor Customer Relations
NMAC
Irving
11.2016 - 03.2020
- Coach, mentor, and develop employees.
- Monitor reports in Cisco Unified Intelligence Center (CUIC) to manage call volumes and service levels.
- Recruit, train, and develop staff on increasing customer retention.
- Staff included seventeen representatives and two seniors tasked with delivering superior customer service.
- Coordinate weekly meetings with managers, supervisors, and seniors to identify trends and strategies impacting call center service levels.
- Monitor employee attendance, vacations, and leaves of absence monthly or as needed.
- Analyzed statistics, primarily in Tableau, to rate and calibrate customer service performance. Through coaching able to provide guidance and resources for the team to attain required corporate metrics.
Senior Consumer Credit Analyst
NMAC
Irving, Texas
08.2014 - 11.2016
- Evaluate credit applications based on information received from credit bureau reports and other sources.
- Process and decision credit application.
- Develop and maintain business relationship with dealers.
- Utilized scoring and credit analysis to administer risk.
- Maintains positive relationship with support staff and field service managers to resolve credit and finance issues.
- Collaborated with cross-functional teams to streamline loan processing procedures and improve turnaround times.
- Developed comprehensive credit reports to support underwriting processes and mitigate financial exposure.
- Conducted presentations on credit policy changes, promoting understanding among stakeholders and enhancing decision-making efficiency.
- Evaluated emerging trends in consumer behavior to inform risk management strategies and product development efforts.
Consumer Credit Analyst II
NMAC
Irving, Texas
12.2013 - 08.2014
- Analyzes consumer credit applications to determine credit worthiness of applicants.
- Determines risk level based on an evaluation and assessment of the Credit bureau and other sources.
- Negotiates tiers, terms, and term structure with dealers.
- Developed credit policies to enhance approval processes and reduce default rates.
- Analyzed consumer credit data to assess risk and inform lending decisions.
- Evaluated borrower profiles and recommended tailored financial solutions for clients.
- Conducted market research to identify trends impacting consumer credit behavior.
- Managed a team of 15 credit analyst with taking incoming escalation calls, emails and faxes per day from customers
Senior Credit Analyst
Omni American Bank
Fort Worth, Texas
06.2012 - 12.2013
- Review and decision credit applications and ensure finance directors have a positive perception of the company’s products and services.
- Develop marketing strategies with sales representative to generate new business.
- Cultivate and maintain strong working relationships with finance directors and managers.
- Negotiate with dealers to achieve volume goals while remaining profitable. Resolve contract issues.
- Monitor and evaluate market and competition.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Developed comprehensive credit reports to support loan approval decisions.
- Performed credit reviews on corporations to assess financial conditions.
- Analyzed credit data and financial statements to evaluate lending risks.
Full-time Student
University of Texas @ Arlington
Arlington, Texas
01.2008 - 01.2012
- Conducted research to support faculty projects and enhance academic contributions.
- Collaborated with peers to develop innovative solutions for coursework challenges.
- Assisted in organizing events that fostered community engagement and student involvement.
- Analyzed feedback to improve course materials and instructional methods effectively.
Senior Credit & Funding Analyst
HSBC
Lewisville, Texas
01.2001 - 01.2008
- Collaborated with cross-functional teams to streamline funding processes and improve efficiency.
- Developed comprehensive financial models to support investment decision-making initiatives.
- Identified market trends and presented insights to senior management for strategic planning purposes.
Credit Assistant
Soris Financial
Dallas, Texas
01.2000 - 01.2001
- Reviewed and processed credit applications to ensure compliance with company policies.
- Coordinated with internal departments to streamline communication and expedite application approvals.
- Analyzed credit reports to identify risks and recommend appropriate actions for loan approvals.
- Managed approximately 30 incoming calls emails and faxed per day from customers
- Assisted clients in understanding credit terms and conditions to enhance customer satisfaction.
Education
Master of Business Administration -
Texas Woman’s University
Denton, Texas12-2017
Bachelor of Science - University Studies
University of Texas At Arlington
Arlington, Tx05-2012
Associate degree - Arts & Science
Tarrant County College
Fort Worth, Tx05-2004
Skills
- Computer skills include Microsoft Word, Lemans, Siebel, Shaw, Excel, PowerPoint, LOS, AS400, and Crif Finance Software
- Customer service
- Strategic planning
- Credit analysis
- Teamwork
- Problem-solving
- Teamwork and collaboration
- Multitasking
- Excellent communication
- Team collaboration
- Organizational skills
Timeline
Supervisor Consumer Credit
NMAC
03.2020 - Current
Supervisor Customer Relations
NMAC
11.2016 - 03.2020
Senior Consumer Credit Analyst
NMAC
08.2014 - 11.2016
Consumer Credit Analyst II
NMAC
12.2013 - 08.2014
Senior Credit Analyst
Omni American Bank
06.2012 - 12.2013
Full-time Student
University of Texas @ Arlington
01.2008 - 01.2012
Senior Credit & Funding Analyst
HSBC
01.2001 - 01.2008
Credit Assistant
Soris Financial
01.2000 - 01.2001
Financial Services Manager
NMAC
6 2021 - Current
Master of Business Administration -
Texas Woman’s University
Bachelor of Science - University Studies
University of Texas At Arlington
Associate degree - Arts & Science
Tarrant County College
CAREER SUMMARY
- Twenty years’ experience in the auto industry Areas of expertise include:
- Strong Sales & Analytical Skills
- Powerful Negotiator
- Delegation & Leader Support
- Collaborative Partnering
- Market Strategy Planning/Organization
- Excellent Communication Skills
- Credit Analysis Management
- Customer Relations Supervision