Gracie Uribe
El Paso,TX
Summary
Experienced professional in structuring deals, menu selling, and building rapport. Skilled in driving productivity and achieving optimal outcomes. Committed to enhancing production levels and delivering exceptional results. Eager to contribute to a dynamic team and make a significant impact in a role that values strategic thinking, effective communication, and relationship building.
Overview
14
14
years of professional experience
Work History
Payment Solutions Advocate
Bread Financial
08.2023 - Current
- Built rapport with customers by demonstrating understanding of their situation while seeking fair resolutions.
- Processed payments and applied to customer balances.
- Maintained high volume of calls and met demands of busy and productive group.
- Negotiated to collect balance in full.
- Achieved successful debt collection results by utilizing negotiation skills and developing customized payment plans.
- Exceeded monthly targets consistently as a result of strong negotiation skills combined with effective account management strategies.
- Worked diligently under pressure during peak periods, maintaining a consistent record of excellent performance.
- Ensured compliance with industry regulations by staying up-to-date on the latest policies and guidelines.
Field Risk Specialist/ Floorplan Auditor
Data Scan / JM Family Enterprise Inc
02.2021 - 10.2021
- Floorplan auditor for several bank lenders who provide lending Automotive Franchise/Independent dealership’s
- Responsibility’s to work closely with dealer accounts, by auditing months and reporting in to their bank lender
- Maintaining good relationships with GM, Used Car/New Car managers to locate all inventory required
- Working closely with Finance Managers to go over all sold/pending contracts and to make sure all proper documentation is in each deal jacket
- Looking at funding on DealerTrack/RouteOne
- Training office managers to follow all rules and guidelines that bank lender requires collecting payments on sold inventor
- Going over all required MSOs/Titles
- Looking at daily reports to have a weekly game plan and complete all audits assigned
- Reporting back to lenders (Ally, Santander, GM Financial, Nextgear, ect.) on dealership performance and risks
Onstar Account Manager
General Motors
04.2022 - 12.2023
- Working with GM Franchise Dealer (Chevrolet, Buick, GMC, Cadillac) from El Paso, Lubbock, Amarillo, Midland to use our product Onstar/Guardian subscription
- Responsibility’s to work closely with dealer accounts, General Sales manager, New/Used Managers and Sales to push sales for products to reach monthly goals and increase volume for dealership revenue profits
- Weekly training to introduce new products and service with all staff
- Travel on a weekly basis to work with large territory and create a monthly plan to achieve marketshare increase
Area Sales Manager
Western Funding
01.2019 - 11.2019
- Responsible for approving auto loans for subprime customers
- Looking at portfolio activity daily to manage each individual account as needed
- To achieve weekly/monthly goals on deals funding and grow market share at a steady pace
- Loaded credit applications into F&I software and contracted loans
- Trained dealers and finance managers making sure they had a full understanding of the system, dealer pulls and the guidelines to get deal funded
- Maintained a strong relationship with Independent dealers in order to gain business
- Successfully grew market share territory for Independent dealers in EL Paso, Las Cruces by selling program to dealers as well working with the existing dealers
Business Development Manager
Lobel Financial Corp
03.2015 - 09.2018
- Responsible for approving auto loans for subprime and mid-prime customers; analyzing credit report based on lenders guidelines
- Loaded credit applications into F&I software and contracted loans
- Trained dealers and finance managers making sure they had a full understanding of the system and the guidelines to get deal funded
- Maintained a strong relationship with franchise dealers in order to gain business
- Successfully grew market share territory for Franchise/Independent dealers in EL Paso, Las Cruces, Alamogordo, and Deming by selling the Lobel program to dealers as well working with the existing dealers
Dealer Sales Representative
EPI Auto Auction
01.2011 - 03.2015
- Managed large portfolio of40-70 new car stores and independent dealerships weekly to bring to sale and consign units
- Consigning about300-450 vehicles negotiating the sale, selling about60%-75% per sale in a team of3 sales reps
- Built solid relationships with various lenders
- Demonstrated an unwavering commitment to customer service, adding new customers while maintaining premium service levels with existing accounts
Education
Diploma - Automotive Finance Management
Automotive Dealership Institute
Business Management & Administration
El Paso Community College
Skills
- Excellent communication & negotiation skills
- Ability to structure deals
- Top Performer
- Proven ability to exceed the expectations of internal and external customers
- Experienced contributor known to maximize profits
- Working knowledge of sub-prime lending and guidelines, and how to get loans approved
- Record of building strong relationships with lenders
FINANCE MANAGEMENT PROFILE
- Automotive Dealership Institute
- Scottsdale, AZ
- 2018
- Complete non-confrontational menu selling/objection handling.
- Knowledge of F&I procedures regarding cash flow and contracts in transit.
- Ability to analyze credit reports: Experian, Equifax, TransUnion, and CREDCO.
- Understanding of prime and nonprime lenders-structuring/budgeting deals based on the lender’s guidelines.
- Well-versed on all compliance laws, rules and federal regulations.
- Lease training for F&I – How Leasing Works, Lease Guidelines, Disclosures/Advertising.
- Excellent customer service skills and work ethics/resourceful and adaptable.
- F&I software- Advent Resources, Reynolds & Reynolds, RouteOne, DealerTrack, Frasier, Dealwriter (lobel), ProMax and iTap Menu.
HIGHLIGHTS OF QUALIFICATIONS
- Proven ability to Perform under pressure
- Knowledge Products and Ability to Present
- Excellent Communications and Problem Solving skills
- Working knowledge of sales management and getting deals approved.
Timeline
Payment Solutions Advocate
Bread Financial
08.2023 - Current
Onstar Account Manager
General Motors
04.2022 - 12.2023
Field Risk Specialist/ Floorplan Auditor
Data Scan / JM Family Enterprise Inc
02.2021 - 10.2021
Area Sales Manager
Western Funding
01.2019 - 11.2019
Business Development Manager
Lobel Financial Corp
03.2015 - 09.2018
Dealer Sales Representative
EPI Auto Auction
01.2011 - 03.2015
Diploma - Automotive Finance Management
Automotive Dealership Institute
Business Management & Administration
El Paso Community College
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