Jung(Kim) Morrow
Houston,TX
Summary
High energy sales and management professional with exceptional interpersonal communication skills and extensive background in: Auto F & I sales, Client satisfaction, Consultative Sales and Sales management. Hard working dependable team player. Focused and goal oriented with get the job done attitude. Get along well with others in any environment.
Knowledgeable in Auto Finance and Sales with solid background in financial services and client relationship management. Accurate at identifying client needs and recommending tailored banking solutions. Demonstrated expertise in cross-selling banking products and maintaining high client satisfaction through effective communication and problem-solving.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Personal Banker
Citibank N.A
10.2023 - 11.2024
- As a Personal Banker at the Oakland MacArthur Branch, I was responsible for building relationships with clients by providing personalized banking services.
- My duties included opening accounts, issuing and unblocking debit cards, offering loans, credit cards, helping manage clients’ investments and identifying financial needs to recommend products to clients such as Mortgage, HELOC, CD, High Yield Savings Accounts.
- Assist and supervise Universal Bankers to adhere to compliance set forth by Citibank at branch level daily.
- Educated clients digital tools to enhance their banking experiences.
F&I Manager
Volvo Dealerships of San Diego
10.2017 - 02.2020
- As a dealership financial services manager, I was responsible for securing customer’s finance after the car purchase at a competitive interest rate and ensure prompt funding.
- My responsibility also included producing extra income for the dealership by selling warranty, gap, surface protection, lease end protection and theft system while staying compliant with the State and Federal laws.
- Maintain relationships with financial institutions to ensure the best available options for customers by cultivating and developing new lending relationships.
Finance Manager
Weseloh Chevrolet/Kia
01.2015 - 01.2016
- Performed day to day Finance Duties as well as selling Vehicle Service Contracts, Gap, Security systems and other ancillary products to improve profit margin on each deal.
- Maintained high PVR (per vehicle retail) Which was much higher than the store’s history.
- Assisted in fast cash flow by ensuring prompt funding for the deals either financed or leased by the financial institutions.
Finance Manager
Downtown Auto Center
01.2013 - 01.2014
- Performed daily duties contracting, selling products, training salespeople and getting deals funded in a timely manner to shorten the CIT (cash in transit).
- I was able to bring in fresh ideas to increase sales in VSC, Gap, and security products to increase the overall income for the dealership.
- Trained salespeople and worked with sales managers to structure deals based on customers’ credit worthiness.
F&I Manager
Mission Valley Ford
01.2012 - 01.2013
- The store’s business was mostly Commercial Fleet.
- Opened relationships with commercial lenders on a day-to-day basis.
- My role was to get the line of credit for the business owners who need more than a truck or two for their growing business.
- Also worked with salespeople to structure their deals prior to sale to maximize the profit.
- Whenever the Sales Manager or the GSM were not available for the salespeople I was go-to-person.
- Compared to the previous finance manager who was there for over 11 years, I was able to increase the backend profit by 100%.
Finance Manager
Kolbe Honda
01.2008 - 01.2012
- Present the finance and insurance products to every customer such as warranty, theft devices, appearance protection packages, gap.to maximize profit on each deal using menu.
- Cultivate and maintain good relationships with lenders to maximize profit and quick funding.
- Work with desk managers in structuring deals to ensure prompt funding by collecting necessary documents.
- Help the dealer win HONDA COE award every year since joining the company by maintaining warranty penetration and CSI above national level which is awarded to only top 15% of the dealers.
- Ensure the dealership follows applicable laws and regulations.
Finance Manager / Finance Director
Toyota Dealerships
01.2004 - 01.2008
- Set up the dealership finance department under new management.
- Maintained the high profit margin by menu presenting finance products to every customer.
- Trained other finance managers and salespeople.
- Maintained above national average CSI.
Mortgage Consultant
Security Lending Wholesale LLC
01.2002 - 01.2004
- Handle all aspects of mortgage sales.
- Originate FHA, VA, Non-Conforming, Conventional, Jumbo, and Sub-Prime loans.
- Executed sales responsibilities including business development, account management, and customer service.
- Design and distribute marketing collateral.
- Interact with appraisers, underwriters, and borrowers to ensure timely closing on mortgage loans.
- Participate in recruiting and professional development efforts relating to loan officers.
- Surpassed sales objectives, increased client retention, and optimized sales levels within saturated market.
- Acknowledged for sales excellence as the top 3rd producer within the company during 2003.
Finance Manager
Phil Long Dealerships
01.1997 - 01.2004
- Promoted to F&I from sales position after 3 years as Master level salesperson.
- Performed daily duties as a finance manager in a high volume, multi franchise dealership.
- Won the regional warranty competition with Ryan Resource Group Which Included 15 states by achieving 63% penetration.
- Increased dealership’s bottom line by menu selling Warranty, Gap, Security Systems, Maintenance care and Surface Protection.
- While maintaining above national level CSI.
- Cultivated and developed new lending relationships.
- Offered Sales management position.
Education
Associate of Arts - English
Pikes Peak Community College
Colorado Springs, CO05-2004
Skills
- Strategic networking skills
- Operational oversight
- Client support
Certification
- Ryan Resource Financial Services
- NMLS Certificate for California and Texas
- Reynolds and Reynolds
- ADP
Sales Profile
- F & I Sales
- Account Management
- Sales Management
- Mortgage Sales
Summary Of Qualification
High energy sales and management professional with exceptional interpersonal communication skills and extensive background in: Auto F & I sales, Client satisfaction, Consultative Sales and Sales management. Hard working dependable team player. Focused and goal oriented with get the job done attitude. Get along well with others in any environment.
Citizenship
United States
Personal Information
Nationality: United States
Timeline
Personal Banker
Citibank N.A
10.2023 - 11.2024
F&I Manager
Volvo Dealerships of San Diego
10.2017 - 02.2020
Finance Manager
Weseloh Chevrolet/Kia
01.2015 - 01.2016
Finance Manager
Downtown Auto Center
01.2013 - 01.2014
F&I Manager
Mission Valley Ford
01.2012 - 01.2013
Finance Manager
Kolbe Honda
01.2008 - 01.2012
Finance Manager / Finance Director
Toyota Dealerships
01.2004 - 01.2008
Mortgage Consultant
Security Lending Wholesale LLC
01.2002 - 01.2004
Finance Manager
Phil Long Dealerships
01.1997 - 01.2004
Associate of Arts - English
Pikes Peak Community College
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