Joey Shih
Rancho Santa Margarita,California
Summary
Professional Automotive, Motorsport and Marine Credit Underwriter offering in-depth knowledge of federal lending regulations and bank underwriting policies. Proactive and independent professional with years of experience evaluating, authorizing and recommending approval of auto loans in California, Utah, Idaho, Washington and Arizona. Well-versed in analyzing credit history and financial status of borrowers. Recognized for processing high volumes of error-free loan applications and meeting or exceeding all quotas. Achieved Capital One's prestigious Chairman and President's Award in 2020 and Relationship Manager of the Year in 2018 and 2020.
Overview
22
22
years of professional experience
Work History
Credit Underwriter II
Yamaha Motor Corporation, USA
05.2024 - Current
- Decision applications by placing emphasis on response time, quantity of applications processed, and quality of applications approved.
- Structure approvals and handle rehashes to maximize profits and enhance dealer relationships.
- Maintain and establish dealer relationships and educate and train dealerships on YMFUS programs and policies.
- Initiate sales calls to capture applications and where appropriate, prepare written follow-up. Provide prompt accurate response to all internal and external customer inquiries.
- Review and calculate income documentation and perform verification calls on employment and consumers.
- Participate in loan origination software program testing, for development and improvements.
- Perform related duties as needed.
- Maintained up-to-date knowledge of market trends, allowing for informed decision making in evaluating applications.
- Built strong relationships with dealers, fostering trust and loyalty in the company''s services.
Relationship Manager, Auto Loans
Capital One Auto Finance
06.2011 - 01.2024
- Enhanced customer satisfaction by promptly addressing concerns and providing tailored financial solutions.
- Established strong relationships with clients, fostering trust and loyalty to the bank''s services.
- Collaborated with internal teams to streamline loan processing, reducing application turnaround time.
- Conducted comprehensive analyses of client profiles, identifying suitable auto loan products and terms.
- Maintained thorough knowledge of industry trends and competitor offerings, ensuring competitiveness in the market.
- Provided expert advice on credit policies and procedures to colleagues, enhancing their decision-making capabilities.
- Developed sales strategies targeting specific market segments for maximum auto loan penetration.
- Spearheaded training initiatives for junior staff members, elevating overall team performance in auto loan sales.
- Managed a diverse portfolio of auto loans while maintaining strict adherence to regulatory requirements and guidelines.
- Exceeded sales targets through diligent prospecting activities and effective relationship-building techniques.
- Displayed adaptability during economic fluctuations by adjusting sales tactics accordingly while maintaining client focus.
- Played an instrumental role in resolving escalated issues or disputes involving customers'' auto loans diplomatically.
- Contributed to revenue generation by cross-selling additional banking products and services to existing clientele.
Insurance Agent
Auto Club Of Southern California
11.2009 - 05.2011
- Increased client satisfaction by providing personalized insurance solutions tailored to individual needs.
- Built strong relationships with clients through consistent communication and excellent customer service.
- Expanded client base by actively prospecting for new business opportunities and generating referrals.
- Conducted thorough policy reviews with existing clients, identifying gaps in coverage and offering additional protection options when necessary.
- Mentored junior agents, sharing industry insights and best practices for success in the field.
- Consistently exceeded monthly sales quotas by effectively presenting product offerings to potential customers.
- Built relationships with clients using active listening and issue resolution to provide excellent service.
- Cross-sold insurance products to existing clients to reach sales targets.
- Finalized sales and collected necessary deposits.
Area Manager
Enterprise Car Sales
03.2008 - 03.2009
- Increased team productivity by streamlining processes and implementing more efficient systems.
- Managed daily operations for optimal performance, ensuring timely completion of tasks and projects.
- Led a team to achieve company goals and exceed targets consistently, fostering a positive work environment.
- Mentored junior staff members, providing guidance on best practices and professional development opportunities.
- Conducted regular performance evaluations to identify areas for improvement and develop action plans for growth.
- Oversaw inventory management, reducing costs through accurate forecasting and strategic purchasing decisions.
- Developed comprehensive training programs that equipped employees with the skills necessary for success in their roles.
- Facilitated conflict resolution among team members, promoting open communication and fostering a positive workplace culture.
- Achieved high employee retention rates by creating an inclusive work environment where staff felt valued and supported.
- Conducted training sessions to educate employees on best practices and procedures to increase profitability.
- Transformed underperforming teams into productive, profitable teams.
- Brought in exceptional candidates to boost team productivity and operational efficiency.
- Drove revenues and team morale by developing and deploying sales contests.
Assistant Manager - Finance
Enterprise Car Sales
11.2005 - 02.2008
- Developed strong relationships with lenders to secure favorable loan terms for customers.
- Streamlined financing procedures for faster approval and processing times.
- Collaborated with sales team to ensure seamless integration of financing options into the sales process.
- Conducted thorough evaluations of client credit history to determine the best financing options available.
- Educated customers on various loan products, ensuring they fully understood their financial commitments.
- Negotiated favorable interest rates and terms with lending institutions, benefiting both dealership and clients.
- Maximized revenue generation by upselling a variety of finance and insurance products to customers.
- Maintained compliance with all state and federal regulations governing automotive financing practices.
- Provided ongoing training and support to sales staff on updated financing programs and offerings.
- Provided expert guidance during complex transactions, navigating challenging situations to close deals successfully.
- Prioritized transparency in communication with clients, building trust through clear explanations of financial obligations.
- Continuously sought out opportunities for professional growth, attending industry conferences and workshops to stay current on trends in automotive finance.
Account Executive
Enterprise Car Sales
11.2004 - 10.2005
- Boosted client satisfaction by developing and maintaining strong relationships through effective communication.
- Exceeded sales targets consistently by identifying new business opportunities and creating customized solutions for clients.
- Provided exceptional customer service, addressing client concerns promptly and effectively to ensure long-term loyalty.
- Developed a solid pipeline of prospects through diligent research and targeted outreach efforts.
- Managed multiple accounts simultaneously while maintaining organization and prioritizing tasks efficiently.
- Maintained up-to-date knowledge on product offerings, ensuring accurate representation during sales pitches or negotiations with clients.
- Trained junior team members on best practices for account executive responsibilities, fostering a collaborative work environment focused on continuous improvement.
Management Trainee
Enterprise Rent A Car
01.2004 - 10.2004
- Improved management skills by participating in rigorous training programs and workshops.
- Enhanced team performance by implementing effective communication strategies within the group.
- Developed problem-solving abilities through hands-on experience with real-life business scenarios.
- Strengthened leadership skills by overseeing projects and guiding team members towards successful outcomes.
Education
Bachelor of Science - Business Administration And Management
California State University Bakersfield
06.2001
Skills
- Multitasking
- Team collaboration
- Industry knowledge
- Strong communication
- Credit assessment
- Relationship building
- Creditworthiness Determination
- Credit History Review
- Regulatory Compliance
- Documentation review
- Market Analysis
- Loan structuring
- Problem-solving abilities
Timeline
Credit Underwriter II
Yamaha Motor Corporation, USA
05.2024 - Current
Relationship Manager, Auto Loans
Capital One Auto Finance
06.2011 - 01.2024
Insurance Agent
Auto Club Of Southern California
11.2009 - 05.2011
Area Manager
Enterprise Car Sales
03.2008 - 03.2009
Assistant Manager - Finance
Enterprise Car Sales
11.2005 - 02.2008
Account Executive
Enterprise Car Sales
11.2004 - 10.2005
Management Trainee
Enterprise Rent A Car
01.2004 - 10.2004
Bachelor of Science - Business Administration And Management
California State University Bakersfield
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